Payday Loans, Debt, and Banking Regulations

General Legal Information

This section prvides guides and publications on the following subjects:

Personal Loans: A situation where a person borrows funds from another person or party (ex: Bank) and agrees to repay the funds, along with interest in the future.

Payday Loans: This is a type of short term loan that must be paid in full when the borrower recieves his or her paycheck. There are high fees associated with payday loans and it is generally not a good idea to get a payday loan.

Banking Services:  The services and value that banks or credit unions provide to their customers.

  • Payday Loans: The Law, Easy to Read Pamplets & Videos

    This includes a list of links to the actual statutes, laws, and regulations on Payday loans. Below the listing of legal reference links are links to easy to read guides published by government and nonprofits explaining your rights, what to watch out for, and possible remedies. Read More

    By:
    Various
  • Co-Signing a Loan: Important Facts

    Information about full liability for the loan, debt collection risks, credit dings, and other considerations involved in co-signing a loan. Content Detail

    By:
    Federal Trade Commission
  • Save Bank Fees, Earn Interest, Choose the Best Type of Bank Account

    Learn more about the differences in bank fees, interest earnings, and what to consider when choosing a bank. Read More

    By:
    Various
  • Reverse Mortgages and Loans

    If you’re 62 or older – and looking for money to finance a home improvement, pay off your current mortgage, supplement your retirement income, or pay for healthcare expenses – you may be considering a reverse mortgage. It’s a product that allows you to convert part of the equity in your home into cash without having to sell your home or pay additional monthly bills. Before signing anything, please read the information at the link below. Content Detail

    By:
    Federal Trade Commission
  • The Difference Between Fixed and Variable Rate Financing

    Ever wonder what the difference between fixed and variable rate financing is? Click this link for more information. Content Detail

    By:
    Consumer Financial Protection Video
  • Required Mortgage Disclosures

    List of documents and disclosures that must accompany mortgages and applications. Content Detail

    By:
    Consumer Financial Protection Bureau
  • How to File an Appeal

    This how-to guide explains how to file an appeal to a court's decision and includes sample templates and explanations for the necessary paperwork and court-imposed deadlines. Read More

    By:
    Texas Young Lawyers Association
    Read this in:
    Spanish / Español