Related Consumer Finance Programs - The following sub-directories of companies offer a wide variety of financial programs to assist you with the management of your finances. Consolidate debt with a consolidation loan or use a debt counseling service or mortgage refinance for help with the consolidation of your charge card debt and other monthly payments.

• Credit Card Debt Consolidation - Are your bills piling up? Lower your monthly payments and consolidate them with a debt consolidation loan or a related service.
• Debt Settlement Negotiation - Are you finding yourself unable to meet your monthly budget because of too many credit card payments? Negotiating your debts may or may not be the right choice to get help with your financial situation. Compare programs designed for helping people with similar debt problems.
• Debt Management Services - Too many credit bills for you to handle with your budget? Compare different programs and find the one that is the right match for your individual situation.

Treasury Report: Direct Deposit Safer Than Checks

The U.S. Treasury Department has released a survey showing large numbers of consumers mistakenly believe that paper checks are safer than direct deposit when, in fact, the opposite is true.

The Treasury said paper checks account for more than 90 percent of the reported problems with its federal benefit payments, such as stolen Social Security checks.

To learn more about the misconceptions and the facts about direct deposit, see the Treasury's February 28, 2007, press release at http://www.godirect.org/Media/news_2_28_07.cfm.

The FDIC is part of the "Go Direct" campaign by the Treasury Department and the Federal Reserve Banks to encourage recipients of Social Security and other federal benefits to use direct deposit.

FDIC Consumer News is published by the Federal Deposit Insurance Corporation

FDIC Consumer News is produced quarterly by the FDIC Office of Public Affairs in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies. Mention of a product, service or company does not constitute an endorsement.

Find current and past issues of FDIC Consumer News at http://www.fdic.gov/consumernews. Refer to this same index to locate the issues that are specially formatted for being reprinted in any quantity.

To receive an e-mail notice about each new issue of FDIC Consumer News posted on the FDIC Web site, with links to stories, follow instructions posted at www.fdic.gov/about/subscriptions/index.html.

Last updated on 5/08/2007

Make better decisions when shopping for banking, debt consolidation and related financial services. Educate yourself!

The Debt Consolidation Loan Directory has a growing library of free informative and educational financial resources for consumers shopping for many types of financial services related to the management of your finances, such as the consolidation of credit card debt, fraud alerts and life insurance. There is no better way to make decisions regarding the management of your personal finances than to read and understand how they work. Please feel free to visit our consumer information library to learn more.

• Do You Know the Warning Signs of Too Much Debt? - Take control of your spending as soon as you recognize any of the warning signs cited by this article provided by CitiFinancial.
• What Do Banks Do? - A bank is a private, for-profit business that offers a variety of financial services to the public.
• Learning about Bank CDs (Certificates of Deposit) - Learn about the different types of bank CDs and how to choose the type that is right for you.
• Pros and Cons of Internet Banking - Review some of the positive and negative aspects of Internet online banking.

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