Understand your rights
Navigating your financial issues such as loans, mortgages, and debt can be challenging. While we cannot provide individual legal advice, we can help you understand your rights as a consumer, and provide information so you can make informed decisions about your finances.
Banks and credit unions
Having a bank or credit union account is an important part of your financial management and security. Without one, you will get stuck paying check cashing and money order fees to cash checks and pay bills. Banks and credit unions also provide an additional layer of security to your money. Without an account at a bank or credit union to keep your money safe, you and your family could easily lose your money to theft or fire.
When you deposit money into a bank or credit union, it is protected by the federal government – insured by the Federal Deposit Insurance Corporation or the National Credit Union Administration. In fact, up to $250,000 of your money is protected. If you do not have a checking or savings account, visit BankOnOregon.org to learn how to get one, even if you have been turned away in the past.
Mortgage and foreclosure help
Are you having trouble paying your mortgage or worried about foreclosure? Learn about your foreclosure options and rights.
Remember, if an investment sounds too good to be true, it probably is. Learn more about investing.
Payday and title loans
If you think you are being overcharged for a loan, check Oregon’s legal interest rate and fees, and whether the lender has an Oregon license.
Those that cash checks, money orders and other money instruments are limited to the fees they can charge.