vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Supervisory Highlights | Consumer Financial Protection Bureau
Supervisory Highlights | Consumer Financial Protection Bureau

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Housing Is Key
éä¿è­·ç¸éè³æº | ìì°¨ì¸ í´ê±° ë³´í¸ ë¦¬ìì¤ | CÃ¡c Nguá»n lá»±c Há» trá»£ Báº£o vá» NgÆ°á»i thuÃª nhÃ  Khá»i bá» Trá»¥c xuáº¥t | Mga Mapagkukunan ng Impormasyon Patungkol sa Proteksyon sa Pagpapaalis ng Nangungupahan
Tenant Eviction Protection Forms
Formularios de protecciÃ³n contra el desalojo para inquilinos | ç§å®¢é©éä¿è­·è¡¨æ ¼ | ìì°¨ì¸ í´ê±° ë³´í¸ ìì | CÃ¡c máº«u VÄn báº£n vá» Báº£o vá» NgÆ°á»i thuÃª nhÃ  Khá»i bá» Trá»¥c xuáº¥t | Mga Form para sa Proteksyon sa Pagpapaalis ng Nangungupahan
Landlord Protection Information
InformaciÃ³n sobre la protecciÃ³n para los propietarios | æ¿æ±ä¿è­·ç¸éè³è¨ | ìëì¸ ë³´í¸ ì ë³´ | ThÃ´ng tin vá» Báº£o vá» Chá»§ nhÃ  cho thuÃª | Mga Impormasyon sa Proteksyon sa Kasero
Landlord Protection Forms
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Resources for Financial Practitioners, Educators & Professionals | Consumer Financial Protection Bureau
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Enhance the ways you advocate for others with our research and materials
 
 

If you are a financial practitioner, educator or other professional who helps consumers plan and manage their money, these materials will help you strengthen your professional practice.

Resources to share with the people you serveWe have guides to help people understand and plan for big financial goals, answers to hundreds of financial questions, and more.Browse resources to shareFind free print handouts to download or order 

Strengthen your outreach and engagement

Measure and monitor financial well-being

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See research and best practices for coaching

See financial coaching reportsPromote behavior change with money motivations

Use five principles for effective financial education

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Tenant background checks: Help people understand their rightsThe CFPB has worked with other federal agencies to gather information that helps people understand tenant background checks (also called resident or tenant screening reports).
Agencia Federal para el Manejo de Emergencias
AUSTIN, Texas -- Se insta a los habitantes de Texas que sufrieran daños o pérdidas a causa del huracán Ike y que recibieran un formulario de solicitud de préstamo de la Agencia Federal para el Desarrollo de la Pequeña Empresa (SBA, por sus siglas en inglés) a completar y enviar la solicitud. De este modo se les tendrá en cuenta para todas las opciones de asistencia por desastre que estén disponibles para ellos.
La SBA es la fuente principal de dinero del gobierno federal para la reconstrucción a largo plazo de la propiedad privada dañada por desastre. La SBA ayuda a propietarios de vivienda, inquilinos, empresas de todos los tamaños y organizaciones privadas sin fines de lucro para que puedan financiar sus esfuerzos de reparación o de reconstrucción y a cubrir el coste de reemplazar la propiedad privada que se perdió o que sufrió daños por el desastre.
La SBA informa que ya ha aprobado un total de más de $3.8 millones en préstamos por los daños y pérdidas que el huracán Ike causó en Texas (Artículo Completo)
Más Información

Solicitar Ayuda por Desastre
Información y Recursos sobre el Huracán Ike
Préstamos De Sba Ayudan A Propietarios De Casa E Inquilinos, No Sólo A Negocios 

 

Centro de Asistencia Individual

Inscríbase Vía Teléfono al 1-800-621-3362
Operador de Habla Hispana Oprima Opción 2
Inscríbase o Verifique
su Reclamación Vía Internet 

Noticias Importantes
Benefit Overpayments and Penalties
View your balance and payments.
Set up an agreement to make monthly payments.

Pay with Benefit Overpayment Services
Make a One-Time Payment
If you do not enroll in Benefit Overpayment Services, you can make a payment online.

Pay by Automated Clearing House debit (no fee).
Pay by credit or debit card (fee applies) through ACI Payments, Inc.

Make a One-Time Payment
Note: ACI Payments, Inc. administers our credit and debit card program (with a convenience fee). The convenience fee is not paid to the EDD.

Pay by Phone

Pay by phone with a credit card (fee applies) through ACI Payments, Inc. 

Call toll-free 1-800-2PAYTAX (1-800-272-9829).
Choose option 3.
Enter jurisdiction code 1577 and follow the recorded instructions.

Note: ACI Payments, Inc. administers our credit and debit card program (with a convenience fee). The convenience fee is not paid to the EDD.

Pay by Mail

Pay by mail using a personal check, cashier’s check, or money order payable to the EDD and include your Claimant ID.
Mail payments to:
Employment Development DepartmentAttention: Cashier Benefit RecoveryPO Box 826806Sacramento, CA 94206-0001

Penalties
If you do not repay your overpayment on time, the money can be deducted from future unemployment, disability, or PFL benefits. We can also:

Withhold your federal and state income tax refunds.
Withhold your state lottery winnings.
Withhold other money the state owes you.
File a claim against you in court.
Charge you court costs and interest.
Record a lien on your property.

For more information, visit:

Benefit Overpayments FAQs
Your Tax Refund or Lottery Money Was Sent to the EDD
Legal References for Unemployment

Benefit Overpayment Services

The best way to manage your overpayment is through Benefit Overpayment Services.

Contact Us
Rules Under Development | Consumer Financial Protection Bureau
The Bureau is proposing to extend the effective date of two final rules titled Debt Collection Practices (Regulation F) from November 30, 2021 until January 29, 2022.
 

•
 Debt collection
 
 

•
 Fair Debt Collection Practices Act
 
 

•
 Rulemaking
 
 

•
 Compliance
 
 

 

 
 
 
 Proposed rule
 
 

APR 05, 2021

Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X

 The Bureau of Consumer Financial Protection (Bureau) is proposing amending Regulation X to assist borrowers affected by the COVID-19 emergency. The proposed amendments would generally prohibit servicers from making the first notice or filing required for foreclosure until after December 31, 2021, amend early intervention and reasonable diligence obligations to ensure that servicers are communicating timely and accurate information to borrowers about their loss mitigation options during the current crisis, and temporarily permit mortgage servicers to offer certain loss mitigation options made available to borrowers experiencing a COVID-19-related hardship based on the evaluation of an incomplete application.
 

•
 Mortgage servicing
 
 

•
 Real Estate Settlement Procedures Act (RESPA)
 
 

•
 Foreclosure
 
 

•
 Rulemaking
 
 

•
 Mortgages
 
 

•
 Disasters and emergencies
 
 

 

 
 
 
 Proposed rule
 
 

MAR 03, 2021

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date

 The Bureau proposes to amend Regulation Z to replace the Temporary GSE QM loan definition’s sunset date with a provision that extends the definition to expire upon the effective date of final amendments to the General QM loan definition.
 

•
 Rulemaking
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

NOV 05, 2020

Role of Supervisory Guidance

 The Bureau and other agencies are inviting comment on a proposed rule that would codify the Interagency Statement Clarifying the Role of Supervisory Guidance.
 

•
 Supervision
 
 

 

 
 
 
 Proposed rule
 
 

AUG 18, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition
Applying for Benefits - Veterans Benefits Administration
Home Loan Benefits for Servicemembers and Veterans

You can apply for a home loan certificate of eligibility online using eBenefits.You may also apply for a home loan certificate of eligibility through your lender.
To apply by mail, download and complete VA Form 26-1880, "Request for Certificate of Eligibility" and send it to the Regional Loan Center that serves your state.

For more information on home loan benefits, visit the VA Home Loans website.

Home Loan Benefits for Survivors

Download and complete VA Form 26-1817, "Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses. You can also call 1-877-827-3702 and follow the prompts for "Eligibility" and we will send the form to you. Mail your completed application to the Regional Loan Center that serves your state.

For information about home loan benefits for survivors, visit the VA Certificate of Eligibility web page.

Life Insurance Benefits for Servicemembers, Veterans, and Survivors

Servicemembers' Group Life Insurance (SGLI): SGLI coverage is automatic. You do not need to apply. To designate beneficiaries, or reduce, decline or restore SGLI coverage, you must use either the SGLI Online Enrollment System (SOES) or form SGLV 8286, "Servicemembers’ Group Life Insurance Election and Certificate.
To find out whether you should use SOES or to download the form visit https://www.benefits.va.gov/INSURANCE/resources-forms.asp#sgli.

For more information, visit the VA Servicemembers’ Group Life Insurance web page.

Veterans' Group Life Insurance (VGLI): To file for VGLI, you can apply online at eBenefits. You may also download and complete SGLV 8714, "Application for Veterans' Group Life Insurance".
Mail your application to this address:
OSGLIPO Box 41618Philadelphia, PA  19176-9913

For more information, visit the VA Veterans’ Group Life Insurance web page.
Publication order form | New York State Attorney General
Immigrant tenant rights - Russian
 

 Immigrant tenant rights - Spanish
 

 Immigrant tenant rights - Yiddish
 

 Cooperative & condo conversion manual
(Under revision, currently unavailable)

 Tenants rights
 

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Immigration fraud brochure

 Immigration services fraud : know your rights!
 

 Immigration services fraud : know your rights! (Spanish version)
 

Internet

Investor protection

Labor

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 Equal pay - Spanish
 

 On the job: your rights in the workplace
 

 On the job: your rights in the workplace (Spanish)
 

Senior citizens

 Grandchildren against the grandparent scheme
 

 Grandchildren against the grandparent scheme (Bengali)
 

 Grandchildren against the grandparent scheme (Chinese)
 

 Grandchildren against the grandparent scheme (Haitian Creole)
 

 Grandchildren against the grandparent scheme (Korean)
 

 Grandchildren against the grandparent scheme (Russian)
 

 Grandchildren against the grandparent scheme (Spanish)
 

 Smart seniors, smart investors: don't be scammed
 

 Smart seniors, smart investors: don't be scammed (Arabic version)
 

 Smart seniors, smart investors: don't be scammed (Bengali version)
 

 Smart seniors, smart investors: don't be scammed (Chinese version)
 

 Smart seniors, smart investors: don't be scammed (Haitian Creole version)
 

 Smart seniors, smart investors: don't be scammed (Italian version)
 

 Smart seniors, smart investors: don't be scammed (Korean version)
 

 Smart seniors, smart investors: don't be scammed (Polish version)
 

 Smart seniors, smart investors: don't be scammed (Russian version)
 

 Smart seniors, smart investors: don't be scammed (Spanish version)
Native American Direct Loan | Veterans Affairs
The ability to refinance a current NADL for a lower interest rate.
The ability to borrow up to the Fannie Mae/Freddie Mac conforming loan limit on a no-down-payment loan in most areas—and more in some high-cost counties. You can borrow more than this amount if you want to make a down payment.
Learn about VA home loan limits

 How do I get an NADL?
 

 Request a VA home loan Certificate of Eligibility (COE)
This certification confirms that you qualify for the VA home loan benefit.
Find out if you can get a COE based on your service history and duty status
Request your COE 
 Contact an NADL coordinator to start the NADL process
You can contact an NADL coordinator by email at NADL@va.gov or by phone at 888-349-7541 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET. 

 Will I have to pay any fees with my loan?
 

You may need to pay the VA funding fee. This one-time fee helps to lower the cost of the loan for U.S. taxpayers since the VA home loan program doesn’t require down payments or monthly mortgage insurance. Your lender will also charge interest on the loan in addition to closing fees.
Learn about the VA funding fee and other closing costs

 What if I have more questions?
 

You can contact an NADL coordinator by email at NADL@va.gov or by phone at 888-349-7541 (TTY: 711). We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.
Note: If you’re a tribal government representative with questions about an MOU agreement for your trust land, you can contact us using the email or phone number provided here too.
 

Last updated: March 23, 2023

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Benefit Overpayment Services

A benefit overpayment is when you collect unemployment, disability, or Paid Family Leave benefits you are not eligible to receive. For more information about benefit overpayments and repayment options, visit Benefit Overpayments and Penalties.
Benefit Overpayment Services is a convenient and secure way to manage your overpayment online.
Enroll in Benefit Overpayment Services
Before enrolling in Benefit Overpayment Services, you must first create a myEDD account and select a login verification method. For more information on what you need to create a myEDD account, visit myEDD FAQs.
To create a myEDD account:

Visit myEDD.
Select Create Account.

After you’ve created your myEDD account, log in to myEDD and select Benefit Overpayment Services to begin your enrollment.
Important: To enroll in Benefit Overpayment Services, you need your:

Claimant ID
Letter ID
Date of Birth
Email Address

Where to find your Letter ID and Claimant ID

Your Letter ID and Claimant ID can be found on the Benefit Overpayment Collection Notice (DE 8344JUDR), mailed 30 days after we mail the Notice of Overpayment or Notice of Denial of Benefits and Overpayment, or when an appeal is denied.
Your Claimant ID and Letter ID are also included on the Benefit Overpayment Statement of Amount Due (DE 8301R) and the Final Collection Notice (DE 138).

Payments
In Benefit Overpayment Services, you can make a payment, view past payments, and set up an installment agreement to make monthly payments.

Show All

Make a payment
Solicitar el Seguro de Desempleo – Información general
Crear una cuenta es un paso importante que debe realizar tan pronto como cumpla con los requisitos para recibir beneficios por desempleo.
Con esta cuenta, usted puede solicitar beneficios por desempleo, reactivar una solicitud existente y administrar la solicitud.

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Cómo solicitar el Seguro de Desempleo

Descubra si es eligible para recibir los beneficios de desempleo y conozca cómo solicitarlos.

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¿No encuentra lo que busca? Consulte los siguientes recursos para obtener información adicional.

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Solicitudes

El EDD administra los programas del Seguro de Desempleo y del Seguro Estatal de Incapacidad (SDI) para el estado de California.
El SDI incluye el:

Seguro de Incapacidad
Permiso Familiar Pagado
Seguro de Incapacidad No Industrial (incluye el Seguro de Incapacidad y la Ausencia por Cuidado Familiar)

Es importante que los solicitantes y los empleadores entiendan sus papeles y responsabilidades para garantizar que todos los beneficios pagados y datos reportados sean correctos. El cometer un acto de fraude tiene consecuencias graves. Para obtener más información, visite Ayude a combatir el fraude.

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Seguro de Desempleo (UI) 

Solicitar el Seguro de Desempleo – Información general
Cumplir con los requisitos de elegibilidad para el UI
Registrarse y solicitar el UI
Certificación para beneficios del UI
Administración de su cuenta
Enlaces rápidos
Preguntas frecuentes - Seguro de Desempleo

Seguro de Incapacidad (DI) 

Seguro de Incapacidad – Información general
¿Soy elegible para recibir beneficios del DI?
Opciones para solicitar los beneficios del DI (por internet o correo postal)