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Workplace Health and Safety">Workplace Health and Safety
- Workplace Health and Safety">Workplace Health and Safety
In addition to setting standards with respect to the minimum wage, overtime, and other factors affecting worker pay, the federal government also sets standards for workplace health and safety.
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Financial Services Regulation">Financial Services Regulation
- Financial Services Regulation">Financial Services Regulation
Federal, state, and local consumer protection agencies all have a role in safeguarding consumers against fraud, deception, and unfair practices.
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Banking, Credit, and Debt">Banking, Credit, and Debt
- Banking, Credit, and Debt">Banking, Credit, and Debt
To save and invest, individuals need access to the banking system and credit.
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Community Reinvestment Act">Community Reinvestment Act
- Community Reinvestment Act">Community Reinvestment Act
Banks are granted charters to help meet the needs and convenience of the communities where they are located, including low- and moderate-income neighborhoods.
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Debit, Credit, and Prepaid Cards">Debit, Credit, and Prepaid Cards
- Debit, Credit, and Prepaid Cards">Debit, Credit, and Prepaid Cards
Credit cards are a fixture of U.S. economic life.
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Student Loans">Student Loans
- Student Loans">Student Loans
In 2020, Americans owed $1.5 trillion in outstanding student loan debt, second only to mortgage debt.
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Consumer Credit">Consumer Credit
- Consumer Credit">Consumer Credit
The Consumer Financial Protection Bureau (CFPB) enforces most federal laws that protect consumers when they apply for and obtain credit.
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Credit- and Debt-Related Services">Credit- and Debt-Related Services
- Credit- and Debt-Related Services">Credit- and Debt-Related Services
According to a 2020 survey by the National Foundation for Credit Counseling, 69 percent of Americans struggle to minimize their debt.
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Financial Capability">Financial Capability
- Financial Capability">Financial Capability
Financial capability is the ability to make informed decisions about the use and management of money.
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Bankruptcy">Bankruptcy
- Bankruptcy">Bankruptcy
Personal bankruptcy is a legal process for people who cannot pay off their debts.