A school facility's quality and accessibility have important impacts on schools' functionality to serve as places of high-quality education. While these challenges are familiar to most schools in the United States, charter schools are responsible for acquiring and paying for their educational facilities, a responsibility that local school…

This report tells what information is likely to be in a credit report; how it is collected, filed, and communicated; and how individual rights regarding credit are protected by law. Topics covered include: (1) information generally contained in a credit profile (identification, family status, public record information, credit accounts, and…

This biweekly newsletter contains news and information about school improvement in the United States, designed expressly for parents and families. This issue highlights federal student loan interest rates, which have dropped to 3.37 percent, the lowest in nearly 35 years, saving money for millions of borrowers.

This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5)…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses a federal law that requires that the borrower as well as the lender comply with government rules relating to the use of credit in purchasing securities, even when the borrower obtains credit outside the United States. The pamphlet…

This booklet is designed to help first-time car buyers determine if they can or should buy a car and how to get the most from their car-buying dollar. Leasing and renting options also are discussed. The booklet outlines the process of buying a new car, starting with a review of sizes, types, and features. This is followed by a rundown on showroom…

This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of…

Designed for the general public and possibly suitable also for high school economics students, this booklet briefly explains the terminology associated with general economic concepts about banking and the Federal Reserve System. Part 1 deals with financial regulators and institutions, including nondeposit intermediaries and depository…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet explains how to resolve a billing dispute in a way that protects the customer's credit rating and legal rights. The pamphlet focuses on specific requirements of the Fair Credit Billing law and presents the following: (1) six legal criteria…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet describes the provisions of the Equal Credit Opportunity Act. The act prevents age from being used as the basis to deny or decrease credit to those who otherwise qualify. The pamphlet presents general rules for rating an applicant: (1) a…

Designed for the general public and possibly suitable also for high school economics students, this booklet examines the Electronic Fund Transfer Act (EFT), which protects consumers who use debit cards for the electronic transfer of funds. This commercially adapted version of the character in "Alice in Wonderland," uses a story-teller…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet explains how a complaint against a Federal Reserve bank concerning a possible violation of any of the federal consumer credit laws can be filed. Seven consumer credit laws are listed with a brief statement about the major protections of…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet discusses the provisions of the Truth in Lending Law. The act requires that creditors state credit charges in a uniform way. The pamphlet provides a brief description of finance charges and annual percentage rates. It also focuses on…

This document contains five lists of consumer resources pertaining to credit, credit problems, and home mortgages and equity loans. The first list, targeted at adults, provides information on general credit, applying for credit and contracts, seniors and women and credit, credit options and costs, credit protection, credit reports and bureaus, and…

Designed for the general public and possibly suitable also for high school economics students, this pamphlet describes the provisions of the Equal Credit Opportunity Act. The act prohibits discrimination because of race, color, religion, national origin, sex, marital status, and age when applying for a mortgage or home improvement loan. The…