<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=us-ascii">
<meta name="Generator" content="Microsoft Word 15 (filtered medium)">
<style><!--
/* Font Definitions */
@font-face
{font-family:Wingdings;
panose-1:5 0 0 0 0 0 0 0 0 0;}
@font-face
{font-family:"Cambria Math";
panose-1:2 4 5 3 5 4 6 3 2 4;}
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;}
@font-face
{font-family:Verdana;
panose-1:2 11 6 4 3 5 4 4 2 4;}
@font-face
{font-family:"Century Schoolbook";
panose-1:2 4 6 4 5 5 5 2 3 4;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{margin:0in;
margin-bottom:.0001pt;
font-size:12.0pt;
font-family:"Times New Roman",serif;}
a:link, span.MsoHyperlink
{mso-style-priority:99;
color:blue;
text-decoration:underline;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-priority:99;
color:purple;
text-decoration:underline;}
span.EmailStyle17
{mso-style-type:personal;
font-family:"Times New Roman",serif;
color:windowtext;}
span.EmailStyle18
{mso-style-type:personal-reply;
font-family:"Calibri",sans-serif;
color:#1F497D;}
.MsoChpDefault
{mso-style-type:export-only;
font-size:10.0pt;}
@page WordSection1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;}
div.WordSection1
{page:WordSection1;}
/* List Definitions */
@list l0
{mso-list-id:809830304;
mso-list-type:hybrid;
mso-list-template-ids:1988365556 67698689 67698691 67698693 67698689 67698691 67698693 67698689 67698691 67698693;}
@list l0:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level2
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level3
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l0:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level5
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level6
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l0:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Symbol;}
@list l0:level8
{mso-level-number-format:bullet;
mso-level-text:o;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:"Courier New";}
@list l0:level9
{mso-level-number-format:bullet;
mso-level-text:\F0A7;
mso-level-tab-stop:none;
mso-level-number-position:left;
text-indent:-.25in;
font-family:Wingdings;}
@list l1
{mso-list-id:1826970770;
mso-list-template-ids:1204837316;}
@list l1:level1
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level2
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:1.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level3
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:1.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level4
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:2.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level5
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:2.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level6
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:3.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level7
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:3.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level8
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:4.0in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
@list l1:level9
{mso-level-number-format:bullet;
mso-level-text:\F0B7;
mso-level-tab-stop:4.5in;
mso-level-number-position:left;
text-indent:-.25in;
mso-ansi-font-size:10.0pt;
font-family:Symbol;}
ol
{margin-bottom:0in;}
ul
{margin-bottom:0in;}
--></style><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body lang="EN-US" link="blue" vlink="purple">
<div class="WordSection1">
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D">An update from our friends at the Consumer Financial Protection Bureau … lots of great resources to explore!
<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p> </o:p></span></p>
<div>
<div style="border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> McDonnell, Kenneth (CFPB) [mailto:Kenneth.McDonnell@cfpb.gov]
<br>
<b>Sent:</b> Tuesday, February 21, 2017 6:18 AM<br>
<b>To:</b> CFPB_FinancialEducation <CFPB_FinancialEducation@cfpb.gov><br>
<b>Subject:</b> Program Ideas about Debt Collection <o:p></o:p></span></p>
</div>
</div>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">Dear Library Staff,<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal">The CFPB recently released new consumer oriented resources to help consumers deal with issues concerning debt collection.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">1) Debt Collection<o:p></o:p></span></b></p>
<p class="MsoNormal">Addressing debt collection issues can be challenging. Patrons do not have to face them alone. Our resources can help them better understand how debt collection works and what their rights are when dealing with debt collectors. Resources
we make available are:<span style="font-size:11.0pt"><o:p></o:p></span></p>
<ul style="margin-top:0in" type="disc">
<li class="MsoNormal" style="mso-list:l0 level1 lfo3">Five sample letters to send debt collectors<o:p></o:p></li><li class="MsoNormal" style="mso-list:l0 level1 lfo3">The basics of debt collection and key terms<o:p></o:p></li><li class="MsoNormal" style="mso-list:l0 level1 lfo3">Understanding your situation: common issues and know your rights<o:p></o:p></li><li class="MsoNormal" style="mso-list:l0 level1 lfo3">Consumer stories: stories from consumers across the country about their experiences with debt collection.
<a href="http://www.consumerfinance.gov/consumer-tools/everyone-has-a-story/bernadette-unwanted-contact/http:/www.consumerfinance.gov/consumer-tools/everyone-has-a-story/bernadette-unwanted-contact/">
Watch Bernadette’s story here</a><span style="color:#101820"> and learn how you or someone you know can
</span><a href="https://help.consumerfinance.gov/app/tellyourstory">share a debt collection experience.</a><o:p></o:p></li></ul>
<p class="MsoNormal"><br>
You can access all of these new resources on our website at <b><a href="http://www.consumerfinance.gov/consumer-tools/debt-collection/">Debt Collection</a></b>.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">2) Webinar: Debt Collection Resources<o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span lang="EN">Thursday, February 23, 2017</span></b><b><span lang="EN" style="font-size:11.0pt"><o:p></o:p></span></b></p>
<p class="MsoNormal"><b><span lang="EN">2:00-3:00 p.m. EST<o:p></o:p></span></b></p>
<p class="MsoNormal"><span lang="EN"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN">Join us for a webinar to learn more about a new CFPB report on consumer views and experiences in debt collection. This survey is the first of its kind, and the most in-depth analysis currently available of consumers’ encounters
with the debt collection industry. You will also hear stories about consumers’ personal experiences in debt collection and learn more about new debt collection resources available to use with the people you serve.<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN">To join the February 23rd webinar, please go to the following link at the time of the webinar:<o:p></o:p></span></p>
<p class="MsoNormal"> <a href="https://www.mymeetings.com/nc/join.php?i=PWXW2772968&p=7979368&t=c">
https://www.mymeetings.com/nc/join.php?i=PWXW2772968&p=7979368&t=c</a><span style="font-size:10.0pt;color:black">
<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span lang="EN">(Note that this webinar link will not be live until the day of the webinar).<o:p></o:p></span></b></p>
<p class="MsoNormal"><span lang="EN"><o:p> </o:p></span></p>
<p class="MsoNormal"><span lang="EN">Then, to listen to the audio, dial 888-795-5920 and enter participant passcode, 7979368.<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-left:.25in"><span lang="EN"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">3) Order free money books, brochures, worksheets and more<o:p></o:p></span></b></p>
<p class="MsoNormal">Now’s the time to <b><a href="http://promotions.usa.gov/cfpblibraries.html">place your orders</a></b> for free money guides, worksheets and other materials from the CFPB and other government agencies like the Federal Trade Commission, Securities
and Exchange Commission, Social Security Administration, Department of Labor, and others.<o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">4) Meet a FLEC Agency<o:p></o:p></span></b></p>
<p class="MsoNormal">What is FLEC? FLEC stands for the Financial Literacy and Education Commission. It is a coordinating body of the federal government for 23 federal government agencies working to provide financial literacy tools and resources to the public.
The CFPB is the vice chair of the FLEC. In this, and upcoming issues of this e-mail alert, we are going to highlight a FLEC agency and a resource that agency provides.
<o:p></o:p></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b>U.S. Department of Agriculture, National Institute of Food and Agriculture (USDA NIFA)</b> is the federal agency working with the Cooperative Extension program of federal land grant universities. Extension professionals are located
across the country. The Cooperative Extension program advances agriculture, the environment, human health and well-being, and communities by supporting research, education, and extension programs at land-grant universities and other organizations it partners
with. Developing and promoting financial capability programs are one of their functions.
<o:p></o:p></p>
<p class="MsoNormal"><b><a href="https://learn.extension.org/events/2113">Predatory Lending Practices and How to Avoid Them</a></b>, Dr. Barbara O’Neill and Marcus Beauregard present a 90 minute webinar on behalf of the Military Families Learning Network that
will focus on the practices and schemes associated with predatory lending, as well as tip for educators and practitioners to share with clients to help them avoid becoming victims of these practices.<o:p></o:p></p>
<p class="MsoNormal">This is one of many webinars the Cooperative Extension provides on
<b><a href="http://articles.extension.org/pages/67907/personal-finance-webinars">personal finance topics</a></b>.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">5) America Saves Week: February 27 – March 4, 2017<o:p></o:p></span></b></p>
<p class="MsoNormal">Sponsored by America Saves and the American Savings Education Council (ASEC), America Saves Week, is an opportunity to promote a message of savings to your patrons.
<span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal">Putting money away in an emergency savings account is one of many ways to help avoid taking on too much debt. America Saves Week provides tweets and Facebook posts your library can use during the week to help promote a savings message
to your patrons. You can access that information in the <b><a href="http://www.americasavesweek.org/america-saves-week-2017-mini-kit/">America Saves Week Mini Kit</a></b>.
<o:p></o:p></p>
<p class="MsoNormal">To help you promote the savings message, there are many saver campaigns across the country. A local campaign can help you amplify the savings message. Use the
<b><a href="https://americasaves.org/for-savers/connect-to-a-campaign">find a local campaign</a></b> section of America Saves webpage to find a campaign in your area.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-left:.25in"><b><span style="font-size:14.0pt">6) Digital resources<o:p></o:p></span></b></p>
<p class="MsoNormal">Promote financial education digitally with our <b><a href="http://www.consumerfinance.gov/library-resources/marketing-materials/">free electronic graphics</a></b> and marketing materials. Add financial screen savers to your computers or
web banners to your website. Plus, access the CFPB’s <b><a href="https://www.facebook.com/CFPB/">Facebook</a></b>,
<b><a href="https://twitter.com/cfpb">Twitter</a></b> and <b><a href="https://www.youtube.com/user/cfpbvideo">YouTube</a></b> pages to share our posts, info-graphics and videos with your patrons, like this
<b><a href="https://www.youtube.com/watch?v=MD5iOesN-2o">Everyone has a story: Meet Venida</a>.
</b><span style="font-size:11.0pt"><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:120%;text-autospace:none"><b><span style="font-size:10.0pt;line-height:120%;font-family:"Century Schoolbook",serif;color:#595959">Ken McDonnell<o:p></o:p></span></b></p>
<p class="MsoNormal" style="margin-top:6.0pt;line-height:120%;text-autospace:none">
<span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:#595959;letter-spacing:.35pt">Office of Financial Education<br>
Division of Consumer Education and Engagement <br>
Consumer Financial Protection Bureau <br>
1275 First Street, NE Washington, DC<o:p></o:p></span></p>
<p class="MsoNormal" style="margin-top:6.0pt;line-height:120%;text-autospace:none">
<span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:#595959;letter-spacing:.35pt">Tel: 202-435-7303<br>
Cell: 202-440-3699<br>
Email: </span><u><span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:blue;letter-spacing:.35pt"><a href="mailto:kenneth.mcdonnell@cfpb.gov">kenneth.mcdonnell@cfpb.gov</a></span></u><span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:#595959;letter-spacing:.35pt"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-top:6.0pt;line-height:120%;text-autospace:none">
<b><span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:#54B847">consumerfinance.gov</span></b><span style="font-size:10.0pt;line-height:120%;font-family:"Verdana",sans-serif;color:#595959"><o:p></o:p></span></p>
<p class="MsoNormal" style="margin-top:6.0pt;line-height:120%"><span style="font-family:"Calibri",sans-serif;color:#1F497D">Visit
<a href="http://promotions.usa.gov/cfpbpubs.html">http://promotions.usa.gov/cfpbpubs.html</a> to get free copies of CFPB consumer brochures
<o:p></o:p></span></p>
<p class="MsoNormal"><span lang="EN" style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#212121">Confidentiality Notice: If you received this email by mistake, you should notify the sender of the mistake and delete the e-mail and any attachments.
An inadvertent disclosure is not intended to waive any privileges.</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
</div>
</body>
</html>