The costs you never agreed to — and the ones nobody explained. Receipts from primary sources. Information, not financial advice.
Sep 23, 2026
We read the fine print so it's on the record — and here is how a claim makes it onto this site.
The costs you never agreed to — and the ones nobody explained. Find your situation, then read the rule behind it.
Federal Reserve survey data matched to credit records, 2023 to 2025: over $2,500 for struggling borrowers, $748 overall. Who's in the data.
Regulation E's four conditions for ATM and one-time debit card overdraft fees — and the right to revoke. The text, and what it doesn't cover.
Regulation Z sets the order your card issuer applies the extra payment — with two exceptions. The rule and its own worked example.
Since May 12, 2025, mandatory fees for live-event tickets and short-term lodging belong in the first price you see. The rule's text and its limits.
Including Pay-in-4, for loans issued from April 1, 2025. What Experian's announcement says — and what it doesn't cover.
What the CFPB's 2014 payday lending report actually measured, how it defines "renewal," and how old the data is.
FICO puts "amounts owed" at 30% of a FICO Score and says closing credit lines may hurt it. The quotes, and their limits.
Most cards offer one on purchases. Here's what the CFPB says ends it — and what happens to new purchases after.
Regulation X lists the 12-month repayment as one of the servicer's choices, not the borrower's. Here's the text.
Sep 22, 2026
6 rules buried in your paperwork — with the receipts.
The setting that decides whether a debit purchase gets covered for a fee — or simply declined for free.
The FTC rule that lets you cancel certain sales made away from a seller's normal place of business.
Insurance you pay for that protects the lender — with two separate dates written into federal law for when it ends.
The share of your available credit you're using — and the category it sits inside on a FICO Score.
The window where a credit card purchase doesn't accrue interest — and the conditions that end it.
When the money held for your taxes and insurance falls short of what your servicer projected.
The FTC's Cooling-Off Rule sets two price thresholds — and puts the cancellation form on the seller, not you.
The Homeowners Protection Act sets two different numbers. Here's the text, word for word.
