Related Services - The following company listings on the Debt Consolidation Loan Directory are offered to assist you with handling your credit card bills and other monthly payments. Also, in addition shop for other financial services ranging from credit card offers to home and car insurance.

• Debt Consolidation Company - Learn more on how debt consolidation can work for you and compare a detailed company list of lenders and related services offering help to people that need to consolidate debt.
• Fast Personal Loan - Need a smaller loan for the consolidation of your credit cards? Personal loan credit is typically unsecured and does not require you to provide security in the form of your assets, such as your car or other personal assets.
• Consumer Debt Management - Too many credit cards and other bills to make monthly payments on? Start here by reviewing and comparing different debt management options for getting help with your credit card bills and other monthly obligations.

Interim Final Rules on the Use of Medical Information

Federal financial regulators in June issued interim final rules that clarify instances in which a lender can obtain or use a consumer's medical information in connection with a decision about credit eligibility. The agencies said that a lender generally cannot consider a consumer's medical status or prognosis in making a credit-related decision but can consider payment information, such as whether he or she owes money to a hospital.

The regulations contain a few limited exceptions, such as one that allows a lender to consider medical information if doing so would be to the benefit of the consumer. For example, a creditor could consider someone's medical information if the person is requesting a higher credit limit to pay for a medical emergency.

The interim final rules will take effect on March 7, 2006.

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 8/15/2005

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