Skip to Content

Translate | Disclaimer

Credit & Debt

Using a Licensed Budget Planner

Debt can arise from an emergency situation, but it can also arise from a consistent pattern of spending even just a little bit more than you make. Learn what can be done once your debt becomes unmanageable.

Using Cards Wisely

There are many types of cards out there that can be used to make purchases: credit cards, debit cards, gift cards, store cards, etc. Learn more about each and what you need to know about using them wisely.

Avoiding Predatory Loans and Loan Scams

Learn more about certain types of loans - cash-advance loans, payday loans, tax refund anticipation loans, rent-to-own and others - that may cost you more than you think.

Understanding your Credit Report & Credit Score

A bad credit history can affect the credit that is made available to you and the cost of that credit. it can even cause you to be denied credit completely. Learn more about your credit score.

Dealing With Debt Collectors

Learn about your rights concerning debt collectors, including how you are protected from abusive, deceptive, and unfair debt collection practices.

Credit Card Terms and Fees

The Consumer Financial Protection Bureau (CFPB) is the federal agency charged with protecting consumers in the U.S. market for financial products and services. The CFPB's Know Before You Owe: Credit Cards page offers important information about credit cards.

The CFPB takes a survey twice a year of the terms of credit card plans offered by some of the largest credit card issuers in the country. In addition, the CFPB's database of credit card complaints and complaint responses informs the public about complaints. Its database of credit card agreements, from more than 300 card issuers, features general credit card terms and conditions, pricing, and fee information.

Although the credit terms and agreements provided by the CFPB are subject to change and you should contact issuers for current rates, fee, and other types of plans, the CFPB complaint database, credit card plan survey and agreement database are good places to start if you are shopping for a credit card.

If you have questions about the information on this website contact the Department of Financial Services. If you have questions or concerns about the information offered on the CFPB website, please contact the CFPB directly.

About DFS

Contact DFS

Reports & Publications

Licensing

Laws and Regs

Connect With DFS

DFS Facebook page

Follow NYDFS on Twitter