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  2. Criticism of credit scoring systems in the United States

    en.wikipedia.org/wiki/Criticism_of_credit...

    The expansion of accessible credit can come with a downside of exclusion as people with poor credit (those that are considered high risk by credit scoring systems) become dependent on short-term alternatives such as licensed money lenders (the home credit industry), pawn brokers, payday lenders, and even loan sharks. [20]

  3. California Department of Financial Protection and Innovation

    en.wikipedia.org/wiki/California_Department_of...

    The department operates under the California Business, Consumer Services and Housing Agency. The DFPI protects California consumers and oversees the operations of state-licensed financial institutions, including banks, credit unions, debt collectors, nonbank mortgage lenders, student loan servicers, money transmitters, and others. Additionally ...

  4. Fair Credit Reporting Act - Wikipedia

    en.wikipedia.org/wiki/Fair_Credit_Reporting_Act

    Under the Fair and Accurate Credit Transactions Act (FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. [7] The free report can be requested by telephone, mail, or through the government-authorized website: AnnualCreditReport.com. [8]

  5. Government Orders Lenders to Repay Wrongfully Foreclosed ...

    www.aol.com/news/2011-04-13-government-orders...

    The federal government has ordered 16 mortgage servicers and lenders to reimburse homeowners whose property was wrongfully foreclosed on. Citibank, Bank of America, JPMorgan Chase and Wells Fargo ...

  6. Financial Institutions Reform, Recovery, and Enforcement Act ...

    en.wikipedia.org/wiki/Financial_Institutions...

    The Act, which gives the government broad authority to bring civil claims and has less stringent requirements to establish liability than commercial fraud statutes, was used after the subprime mortgage crisis to attempt to establish the liability of banks that allegedly misrepresented the quality of loans to the Federal Housing Administration ...

  7. Hong Kong Companies Registry - Wikipedia

    en.wikipedia.org/wiki/Hong_Kong_Companies_Registry

    It administers the licensing regime [5] for trust and corporate service providers under the Anti-Money Laundering and Counter-Terrorist Financing Ordinance as well as the licensing regime [6] for money lenders under the Money Lenders Ordinance. Its headquarters is located at Queensway Government Offices in Hong Kong Island.

  8. Mortgage lender vs. servicer: What’s the difference? - AOL

    www.aol.com/finance/mortgage-lender-vs-servicer...

    Mortgage lender. Mortgage lenders provide money borrowers use to buy, build or make improvements to homes. ... Your mortgage loan servicer might also report your loan payment history to the credit ...

  9. New York State Department of Financial Services - Wikipedia

    en.wikipedia.org/wiki/New_York_State_Department...

    The DFS has the authority to license and regulate service contract providers. [20] A list of the currently licensed service contractor providers can be found at Currently Registered Service Contract Providers. New York State and other states, such as California, [5] have the authority to fine or prosecute unlicensed service contract providers. [21]