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.

• Debt Settlement Negotiation - High credit card balances making your monthly payments impossible to meet? The negotiation of your outstanding bills with your creditors may be a good debt solution for you. Educate yourself on your options and compare available programs.
• Debt Consolidation Service - If you have a large amount of  credit card and other debts, now may be a good time to consolidate your debt and lower your payments.
• Personal Loan Companies - Looking for a smaller loan for the consolidation of debt? Start your search at the directory of personal loans, where you can compare and apply online with different lenders and related companies.

Protect All Your Deposits with FDIC Insurance

If you or your family have more than $100,000 at one institution, it makes sense to periodically review your coverage and, if necessary, make adjustments

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Periodically review your insurance coverage. It makes sense to check up on your deposit insurance coverage if you or your family have more than $100,000 at one institution. You especially may want to take another look if there's been a change in your life that could reduce your insurance coverage.

For example, if two people own a joint account and one dies, the FDIC's rules allow a six-month grace period after the depositor's death to give survivors or estate executors a chance to restructure accounts. If you fail to act within six months, that joint account could become part of the survivor's individual accounts, and that could put funds over the $100,000 limit.

You also should review your insurance coverage before depositing a large sum of money, a common situation after an inheritance, a home sale, a payout from a pension or an insurance claim. Also do your homework if you own accounts at two institutions that merge and the combined funds exceed $100,000. The deposit insurance rules also allow for a grace period of six months, and sometimes longer, after a merger, so you should review your accounts within that time period to avoid a potential problem.

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 2/1/2007

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