Sources

The receipt behind every video: the actual regulation, agency page, or report — quoted word for word, with a link straight to it.

Sep 23, 2026

Card Balances Rose 37% for Borrowers "Finding It Difficult to Get By"

Federal Reserve survey data matched to credit records, 2023 to 2025: over $2,500 for struggling borrowers, $748 overall. Who's in the data.

Sep 23, 2026

Your Bank Needs Your Opt-In Before Charging Overdraft Fees on Debit Card Purchases

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.

Sep 23, 2026

Payments Above the Minimum Go to the Highest-APR Balance First

Regulation Z sets the order your card issuer applies the extra payment — with two exceptions. The rule and its own worked example.

Sep 23, 2026

Tickets and Hotels Must Show the Total Price Upfront — the FTC Fees Rule

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.

Sep 23, 2026

Affirm Loans Can Now Show Up on Your Experian Credit File

Including Pay-in-4, for loans issued from April 1, 2025. What Experian's announcement says — and what it doesn't cover.

Sep 23, 2026

82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data

What the CFPB's 2014 payday lending report actually measured, how it defines "renewal," and how old the data is.

Sep 23, 2026

Closing a Credit Card Can Raise Your Utilization — FICO's Own Words

FICO puts "amounts owed" at 30% of a FICO Score and says closing credit lines may hurt it. The quotes, and their limits.

Sep 23, 2026

Credit Card Grace Periods Aren't Required by Law

Most cards offer one on purchases. Here's what the CFPB says ends it — and what happens to new purchases after.

Sep 23, 2026

An Escrow Shortage Can Be Spread Over 12 Months — at the Servicer's Option

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

You Have 3 Business Days to Cancel a Door-to-Door Sale

The FTC's Cooling-Off Rule sets two price thresholds — and puts the cancellation form on the seller, not you.

Sep 22, 2026

You Can Ask for PMI Cancellation at 80% — Not Just Wait for 78%

The Homeowners Protection Act sets two different numbers. Here's the text, word for word.

Sources

Card Balances Rose 37% for Borrowers "Finding It Difficult to Get By"

Your Bank Needs Your Opt-In Before Charging Overdraft Fees on Debit Card Purchases

Payments Above the Minimum Go to the Highest-APR Balance First

Tickets and Hotels Must Show the Total Price Upfront — the FTC Fees Rule

Affirm Loans Can Now Show Up on Your Experian Credit File

82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data

Closing a Credit Card Can Raise Your Utilization — FICO's Own Words

Credit Card Grace Periods Aren't Required by Law

An Escrow Shortage Can Be Spread Over 12 Months — at the Servicer's Option

You Have 3 Business Days to Cancel a Door-to-Door Sale

You Can Ask for PMI Cancellation at 80% — Not Just Wait for 78%

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