Office of Thrift Supervision

Consumer Resources

Credit Reports

• How do I obtain a copy of my credit report? (Link to External Website)

• How do I correct inaccurate information in my credit report? (Link to External Website)

Consumer Credit and Foreclosure Counseling

I may not be able to make my mortgage payment. What can I do?

• Making Home Affordable Plan - The President's plan was created to help millions of homeowners refinance or modify their mortgages. (Link to External Website)
   
• The Homeownership Preservation Foundation - The foundation creates partnerships with local governments, nonprofit organizations, borrowers and lenders to help families overcome obstacles that could result in the loss of their homes. (Link to External Website)

• National Foundation for Credit Counseling - The NFCC has more than 900 local offices throughout the country and more than 100 nonprofit, community-based member agencies. Many of these NFCC members are Consumer Credit Counseling Service agencies that provide budget counseling and education, debt management planning, counseling referral, financial literacy courses, housing counseling and other services. (Link to External Website)

• NeighborWorks America  - A national nonprofit organization created by Congress to provide financial support, technical assistance and training for community-based revitalization efforts.  NeigborWorks Center for Foreclosure Solutions was created to preserve homeownership amid rising foreclosure rates. (Link to External Website)

Mortgage Information

• AARP Fact Sheet on Reverse Mortgages (Link to External Website)
• Reverse Mortgages: Information to Consider on Benefits and Risks Excerpted Article from Volume No. 2008, Issue 1, of the Community Liaison, the Community Affairs newsletter of the Office of Thrift Supervision

Identity Theft

My identity was stolen. What can I do?

• Federal Trade Commission's Identity Theft Site (Link to External Website)

Financial Literacy Resources

• Financial Literacy and Education Commission - Coordinates financial education efforts throughout the federal government, supports promotion of financial literacy by the private sector and encourages cooperative efforts between the public and private sectors. (Link to External Website)

• Department of the Treasury's Office of Domestic Finance - Provides links to financial literacy information. (Link to External Website) 

• FDIC - Money Smart - An Adult Education Program - Designed to help adults enhance their money skills and create positive banking relationships. (Link to External Website)

• Consumer Protection - Highlights consumer protection and education efforts around the country. (Link to External Website)

• mymoney.gov - The federal government's financial education website provides important information to help individuals better understand their money - how to save it, invest it and manage it wisely to meet personal goals. Information in English and Spanish. (Link to External Website)

Other Resources

• USA.GOV – A resource for contacting other government and state agencies, and access to frequently asked questions.  By phone at 1 (800) 333-4636. (Link to External Website)

• Lien Releases - The OTS does not provide lien releases. If the savings association that held the lien has become insolvent and was dissolved by the FDIC, you may be able to obtain a lien release from the FDIC Division of Resolutions and Receiverships by calling 1 (888) 206-4662.