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Federal Trade Commission
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FEDERAL TRADE COMMISSION

The NJLTA is pleased to present the latest news and advice from the Federal Trade Commission:

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Deceptive Mortgage Ads

If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or in the paper, or whether they come by fax or mail, some of these ads look like they’re from your mortgage company or a government agency. Regardless of where you see the ads, remember that while the offers are tempting, some are terribly flawed:...

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Making Payments to Your Mortgage Servicer

 

When you get a mortgage, you may think that the lender will hold and service your loan until you pay it off or sell your home. That’s often not the case. In today’s market, loans and the rights to service them often are bought and sold. In many cases, the company that you send your payment to is not the company that owns your loan.

A home is one of the most expensive purchases you’ll make, so it’s important to know who is handling your payments

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Getting Mortgage Offers?

If you apply for a mortgage, your inbox, answering machine, and mailbox may fill up quickly with competing offers from other mortgage companies. It’s not that the company you applied to is selling or sharing your information. Rather, it’s that creditors – including mortgage companies – are taking advantage of a federal law that allows them to identify potential customers for the products they offer, and then market to them. The Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know why your application for a mortgage may trigger 

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Let’s focus on cybersecurity for small businesses

 

If you own a small business or work for one, you’re probably concerned with protecting your business’ data. You want to make sure that sensitive information isn’t accidentally deleted, turned over to a scammer, or hacked. So this week, during National Cybersecurity Awareness Month, let’s focus on making sure you know the resources the Federal Trade Commission (FTC)...

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The Equifax Data Breach: What to Do

 

If you have a credit report, there’s a good chance that you’re one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nation’s three major credit reporting agencies.

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Getting a Mortgage after a Short Sale

The Federal Trade Commission (FTC), the nation’s consumer protection agency, has some tips to help short sellers avoid a potentially costly mistake: being kept out of the housing market because of difficulties...

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Deceptive Mortgage Ads

 

If you’re looking for a mortgage to buy a home or refinance an existing loan, you may see or hear ads with offers of low rates or payments. Whether you see them on the Internet, on television or in the paper, or whether they come by fax or mail, some of these ads look like they’re from your mortgage company or a government...

Click here for more information

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 FTC Six-Month Accomplishments

Significant progress for Economic Liberty, regulatory reform, small business, and more

 Federal Trade Commission Acting Chairman Maureen K. Ohlhausen released a summary of the agency’s major accomplishments since President Trump named her to the position in January. “I have pursued my long-held principles by promoting... 

 

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Tips for Using Public Wi-Fi Networks

 

Wi-Fi hotspots in coffee shops, libraries, airports, hotels, universities, and other public places are convenient, but often they’re not secure.  If you connect to a Wi-Fi network, and send information through websites or mobil apps...

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Homes & Mortgages

 

Buying or renting a home is a big financial decision. And whether it’s a condo, a townhouse, or a single family residence — new construction or a home with a history...

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