Consumer Banking is comprised of the financial services, such as checking and savings accounts, mortgages, home equity lines of credit, personal loans, and credit cards, offered by financial institutions. The Check Clearing for the 21st Century Act (Check 21) has fostered innovation and efficiency in the consumer payment by permitting electronic checks. State and federal also laws prevent individuals from engaging in fraudulent or deceptive banking practices, such as bounced checks, and protects consumers from illegal acts, such as ID theft and phishing e-mail fraud. A history of consumer financial data, such as payment history, debt, bankruptcy, and garnishments, is compiled in credit reports by several consumer reporting agencies. Please read on to find a consumer banking attorney, consumer banking lawyer, or learn more about federal banking law.

Find a Consumer Banking attorney in your area.

Consumer Banking Articles

State Specific Resources

-   State Codes and Statutes Websites -   State Consumer Protection Office Websites

Articles

-   Minding Your Bank Checks -   Garnishment and Forcing Debt Payment

-   Choosing a Credit Card -   Changing Names or Adding a Spouse to a Credit Card

-   Joint Credit Cards -   Add a Spouse's Name to Titled Property & Accounts

-   Private Mortgage Insurance -   Home Equity Loan Scams

-   Foreclosed Property -   Buying A House In A Short Sale

-   Mortgages and Deeds of Trust -   Pay Day Loan Scams

-   Email Scams and Frauds -   Predatory Lending

-   Dealing with Bank Failures -   Co-Owned FDIC Insured Accounts

-   Bank Account Basics -   When Your Credit Card Is Stolen

-   Minimizing Your Risk of Identity Theft -   Correcting Errors on Credit Reports

-   Consumers and Congress Tackle Big Bank Fees -   Banking & Finance - Selecting a Good Lawyer

-   Banking & Finance - Meeting with a Lawyer -   Easy Come, Easy Go: Americans and Credit Card Debt

-   Fraudulent Transfers

Hot Topics

-   Are You Creditworthy? -   Credit Insurance for Outstanding Account Balances

-   Debit Cards, Credit Cards, Charge Cards, Oh My... -   Does Your Bank Meet the Stress Test?

-   The FDIC: Can It Go Bankrupt? -   Lenders Are Watching More than Your Credit Score

-   New Rules to Protect Credit Card Holders -   Changing Credit Card Terms

-   Chapter 11 Reorganization of Debts for an Individual -   The State May Have Your Unclaimed Property

-   Who Owns Your Loan?

Consumer Banking FAQ's

-   Consumer Law: Fair Debt Collection FAQ -   Consumer Law: Credit and Credit Cards FAQ

-   Consumer Law: Federal Credit Law FAQ -   Financing A House FAQ

-   Consumer Law: Electronic Fund Transfers FAQ

Do-it-Yourself Legal Forms

-   Promissory Note -   Returned Check Notice

Lawyers.comsm Virtual Community

Legal Forums

-   Consumer Rights - General -   Mail Order and Internet Purchases

-   Credit and Collection Problems -   Automobile

-   Class Actions -   Contracts

-   Small Claims

Chats

-   Chat Listing -   Michael Siegel

Related Topics on Lawyers.comsm

-   Personal Bankruptcy -   Contracts Basics

-   Finance