Part 4 of Annual “Freebies” – FTC Resources

Written By: Stacey Sprain, Op-Ed Writer

The Federal Trade Commission website is a resource I refer people to fairly often because of the informative and educational materials available for consumer distribution. The FTC offers a lot of great information available in web format, PDF format and some materials are even available to order in bulk quantities for free which makes this a great resource for seminar materials and overall distribution to homebuyers and homeowners. Heck, you can probably learn a lot about some of the topics for your own knowledge as well! This is where I learned a lot of what I know about credit reporting rules and regulations, for example!

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For a better understanding of what the Federal Trade Commission is, their mission is “To prevent business practices that are anti-competitive or deceptive or unfair to consumers; to enhance informed consumer choice and public understanding of the competitive process; and to accomplish this without unduly burdening legitimate business activity.”

Strategic goals of the FTC include the following:
1. Protect Consumers: Prevent fraud, deception, and unfair business practices in the marketplace.
2. Maintain Competition: Prevent anticompetitive mergers and other anticompetitive business practices in the marketplace.
3. Advance Performance: Advance the FTC’s performance through organizational, individual, and management excellence.
Now after reading that information about the FTC, it may make more sense to you how the FTC relates to those of us in the lending industry. With consumer protection at the forefront of the FTC, mortgage-related topics are definitely found and addressed at the website. is the home page of the Federal Trade Commission website. You’ll find an abundance of consumer topics of interest at the left hand column of the FTC’s Consumer Information website at The majority of information I have found to be most informative and useful the years for mortgage-related purposes can be found under
• Credit & Loans at; and
• ID Theft, Privacy & Security at
There are five sub-topics linked under the Credit & Loans Heading which include Credit Reporting, Credit Cards and Consumer Loans, Credit Reports and Scoring, Debt, Mortgages and Real Estate and Privacy. You’ll find specific materials by single interest under these sub-headings in the forms of bulletins, brochures and booklets.
Here are individual links that take you directly to some of my most commonly used resource information. Most are available in both English and Spanish!
• FTC Facts for Consumers- Your Access to Free Annual Credit Reports Make sure you educate your borrowers about their rights to free annual credit reports but make sure they know the difference between the fed website and all the other free credit scammers out there!
• “Getting Credit” website for Consumers and 24 page booklet at This booklet is a great resource for credit education seminars!

Need FHA Training? CLICK HERE:

• FTC Facts for Consumers- Building a Better Credit Report
• FTC Facts for Consumers- Co-Signing a Loan
• FTC Facts for Consumers- Credit and Divorce
• FTC Facts for Consumers- Credit and Your Consumer Rights
• Equal Credit Opportunity: Understanding Your Rights Under the Law
• FTC Facts for Consumers- How to Manage Your Mortgage if Your Lender Files Bankruptcy
• FTC Facts for Consumers- Knee Deep in Debt
• FTC Facts for Consumers Prescreened Offers for Credit and Insurance
• FTC Facts for Consumers- Selling Your Home? Tips for Selecting a Realtor
• FTC Facts for Consumers- Deceptive Mortgage Ads- What They Say and Leave Out
• FTC Facts for Consumers- Shopping for a Home Equity Loan
• FTC Facts for Consumers- Credit Repair: How to Help Yourself Are you sick and tired of having to refer your borrowers to costly credit repair places who can’t always be relied on for timely results? Provide this information to your borrower so he/she can make use of his/her legal right to a free annual credit report and a free resource to dispute errors and inaccurate reporting at no charge!
• FTC Facts for Consumers- How to Dispute Credit Report Errors Do you have a borrower’s credit report in front of you that desperately needs some clean up? Provide this information to your borrower so he/she can make use of his/her legal right to a free annual credit report and a free resource to dispute errors and inaccurate reporting at no charge!
• Remedying the Effects of Identity Theft This is a great resource for borrowers who discover they are victims of identity theft when you pull their credit for mortgage application!
• FTC Consumer Alert- Fake Credit Report Sites: Cashing in on Personal Information

Need FHA Training? CLICK HERE:

• FTC Consumer Alert- Shopping or a Mortgage? Your Application May Trigger Competing Offers Ever get a call from an irate borrower wondering why they are getting marketing calls immediately after you pulled their credit with their mortgage application? Read this! It explains how and why this happens and how consumers can opt out to avoid it in the future!
• How to Plan and Host Identity Theft Prevention Seminars Order free hard copies of this 28 page kit with sample materials on CD and videos on DVD at the bulk orders website at and the FTC will ship the materials right to your door for no charge!
• Instructions on How to Complete and Submit Identity Theft Victim Complaint
• National Do Not Call Registry Make sure you direct your borrowers to register at the Do Not Call Registry so you can eliminate marketing opportunities for your competitors!
For bulk quantities of FTC publications, which may include brochures, booklets, book markets and pamphlets, visit the following bulk orders websites:
• Credit and Loans Bulk Orders
• Identity Theft, Privacy and Security
• Business-Related Publications
These resources have offered excellent education to me over many years and I hope you’ll find them useful and informative too! It’s amazing the amount of additional help you can offer homebuyers and homeowners when you are an informed consumer yourself!

About The Author

Stacey Sprain - As an op-ed writer, Ms. Stacey Sprain is currently a NAMP® Certified Ambassador Loan Processor (NAMP®-CALP). With over 15+ years of mortgage banking experience, Stacey is also a Quality Control Manager for a major mortgage lending institution. 


Opinion-Editorial (Op-Ed) Disclaimer For NAMP® Library Articles: The views and opinions expressed in the NAMP® Library articles are those of the authors and do not necessarily reflect any official NAMP® policy or position. Examples of analysis performed within this article are only examples. They should not be utilized in real-world application as they are based only on very limited and dated open source information. Assumptions made within the analysis are not reflective of the position of NAMP®. Nothing contained in this article should be considered legal advice.