Consumer Tips and Alerts/Información Para Consumidor   The Department of Insurance, Securities and Banking (DISB), a regulatory agency for the District’s financial services industries, issues consumer tips and alerts to protect consumers from unfair and fraudulent business practices. Select from the following links to learn more. Para la información en español, seleccione el título.     Automobiles / Automóviles Banks and Credit Unions in DC COBRA/Displaced  Workers Credit / Crédito Established Families Financial Literacy Flood Insurance Foreclosure Help Fraud / Fraudes Health / Salud   Home / Casa How to File a Complaint /       Para someter una queja Insurance / Seguros Investments / Inversiones Loans / Prestamos Life Insurance/Seguros de Vidas Military/Militares   Retirement / Jubilación Savings Seniors / Personas de      Edad Avanzada Small Business Information Taxes  Unemployment Young Families Young Singles     Automobiles/Automóviles 10 Things to Know About Buying Automobile Insurance* / 10 Cosas que Debe Saber Antes de Comprar Seguro de Automóvil* Uninsured Motorist Fund in the District of Columbia Winter Weather and Insurance* / Temporada de Invierno y su Seguro* Banks and Credit Unions in DC Bank and Credit Union information COBRA/Displaced Workers Frequently Asked Questions: Small Group Health Insurance Continuation of Coverage (DC mini-COBRA) and the American Recovery and Reinvestment Act (Stimulus Bill)* COBRA Fact Sheet*   Credit/Crédito Cosigning a Loan* Credit Scoring* Insurance Credit Scoring: A Consumer’s Credit Score May Affect Auto and Homeowners Insurance Premiums* Want a Free Credit Report*  Established Families  Are you overwhelmed trying to understand insurance? – Here is some help for established families* Other Considerations for Established Families* Financial Literacy What's Your Financial 411? Flood Insurance Flood Insurance: As Spring Rains Approach, Flood Insurance Should Be Considered* / Seguro De Inundación: Con las Lluvias de Primavera, el Seguro Contra Inundación es una Consideración* DDOE's Floodplain Management Program in the District of Columbia Notice of Emergency Rulemaking for the District's Flood Hazard Regulations Two-Year Extension of FEMA’s Preferred Risk Policy for Reduced Insurance Policy Rates* Flood Maps, Insurance, and Information FloodSmart.gov Foreclosure Help Foreclosure Mediation Program Foreclosure Mitigation Kit* Foreclosure Statement - Q&A's HUD's Settlement Cost Booklet* Home Lending and Foreclosure Rescue Scams* IRS Tax Relief for Homeowners Facing Foreclosure*   Mortgage Loan Assistance Programs District’s HomeSaver Program Making Home Affordable Home Affordable Refinance Program (HARP) Home Affordable Modification Program (HAMP) Home Affordable Foreclosure Alternatives (HAFA) Fannie Mae Unemployment Forbearance Program* (for Fannie Mae Loan Holders only) Fraud/Fraudes    In an effort to keep District consumers informed, DISB houses the latest insurance, securities, and banking scams being perpetuated in the financial services marketplace. Also, with the advent of electronic mail, scam artists have discovered new ways to try and cheat people out of their money or other assets. DISB has received several samples of electronic mail scams. Individuals should not respond to such emails but instead, should delete them. Listed below are links to agency fraud alerts and samples of messages that individuals should avoid. For more information or to report fraud, contact DISB at (202) 727-8000 or complete the agency's consumer complaint form by following this link, File a complaint or report fraud.   For additional information, the Federal Trade Commission has extensive listings of scams that may be of interest or assistance. This information may be found on its consumer protection website.   Advance Fee Loan Scams Affinity Fraud: Scams Targeting the Faithful* Anti-Laundering Money Program for Insurance Companies* ASSISTANCE Email Scam Automatic Debit Scams* District Joins Global Fight Against Fraud: National Fraud Week Is July 9 to 14 Don't Get Ripped Off: Protect Yourself Against Securities Fraud* El Alza en el Robo de Identidad Inspira la Venta de un Nuevo Tipo de Seguros* Fraudulent Use of Departmental Letterhead and Logo to Facilitate Financial Scams* Glendale Settlements Warning* How to Avoid Becoming a Victim of Insurance Fraud* Medicare Fact Sheet* Older Americans: How to Avoid Investment Fraud and Abuse* Preventing Bank Fraud* Preventing Identity Theft, Volume 1, Issue 1* Preventing Identity Theft* Preventing Securities and Investment Fraud* Protecting Against Ponzi Schemes* Protecting Small Businesses from Fraudulent Health Plans* RESPOND ASAP Email Scam Scam Artists Impersonating GEBCO Insurance Agents Urgent Business Proposal Email Scam  What Is Insurance Fraud?* Health Insurance and Health Reform Implementation in DC (PPACA)/Salud   Consumer Satisfaction Information on DC Health Plans DC Health Reform Portal Health Care Reform Information Health Insurance Products Marketed in the District of Columbia Health Insurance Rate Review Health Insurance Rate Filings Health Rate Target Medical Loss Ratio (MLR) Exemption Requests Medical Malpractice Rate Filings Information on Health Insurance Rate Increases Know Your Health Insurance Rights Medicare Appeals and Grievance Program Pandemnic Influenza Information  Prescription Drug Discount Card A Guide to Health Insurance Exchanges* The Impact of the Federal Health Care Law on District of Columbia Residents* Scammers Take Advantage of Health Reform* 10 Things You Should Know About Buying Cancer Insurance* 10 Things You Should Know About Buying a Medigap Policy* 10 Things You Should Know About Buying Long-Term Care Insurance* / 10 Cosas que debe conocer antes de adquirir seguro de cuidado prolongado de salud* Proceed With Caution When Buying a Health Discount Card* Consumer Health Insurance Brochures and Publications written by the Health Policy Institute, Georgetown University  Medicare Part D Prescription Drug Coverage Predatory Practices in the Sales of Medicare Products* What You Should Know about Medicare Prescription Drug Coverage* Home/Casa  Making Home Affordable.gov IRS Tax Relief for Homeowners Facing Foreclosure* Home Lending and Foreclosure Rescue Scams* Flood Insurance: As Spring Rains Approach, Flood Insurance Should Be Considered* / Seguro De Inundación: Con las Lluvias de Primavera, el Seguro Contra Inundación es una Consideración* Questions to Ask Your Lender Before Signing a Loan Contract* Reverse Mortgages—Cashing in on Home Ownership* Winter Weather and Insurance* / Temporada de Invierno y su Seguro* What You Should Know Before You Finance Your Home* Insurance/Seguros  Contractual Liability Contracts* Current Rate Quotes Automobile Insurance Condominium Insurance Homeowner's Insurance Renter's Insurance Title Insurance Dealing with a Disaster* Insurance Consumer Complaint Ratio Reports Insurance Glossary Insure U for Small Business / Insure U para Empresas Pequeñas Medical Malpractice Rate Filings Pre-Paid Legal Services* Service Contracts and Warranties* A Rise in Identity Theft Spurs New Type in Insurance* / El Alza en el Robo de Identidad Inspira la Venta de un Nuevo Tipo de Seguros* Get Smart About Insurance How to Avoid Becoming a Victim of Insurance Fraud* Insurance Credit Scoring: A Consumer’s Credit Score May Affect Auto and Homeowners Insurance Premiums* Insure U / Insure U - Eduquese Acerca del Seguro Investments/Inversiones  Investor Bill of Rights* Investor Education MoneyTrack - Season Three*  Older Americans: How to Avoid Investment Fraud and Abuse* Preventing Securities and Investment Fraud* Wise and Safe Investing Life Insurance/Seguros de Vida  10 Things You Should Know about Buying Fixed Deferred Annuities Life Insurance Tips for Established Families* Life Insurance Tips for Seniors and Empty Nesters* Life Insurance Tips for Young Families* Life Insurance Tips for Young Singles* Loans/Prestamos  Be Aware of Refund Anticipation Loans (RALS)* Cosigning a Loan* Foreclosure Mitigation Kit*  Making Home Affordable.gov  Payday Loans = Costly Cash* / Los Préstamos de Día de Pago Le Pueden Costar Caro*  Questions to Ask Your Lender Before Signing a Loan Contract* Reverse Mortgages—Cashing in on Home Ownership* What You Should Know Before You Finance Your Home* Military/Militares A Salute to Smart Investing* Annuities* Health Insurance*  Home Insurance*  Life Insurance*  Personal Finance for Military Families* Information for Military Personnel* If You've Started a Savings or Investment Plan, Do You Know Where Your Money Is Really Going?* Financial Field Manual: The Personal Finance Guide for Military Families* Retirement/Jubilación  Life Insurance Tips for Established Families* Life Insurance Tips for Seniors and Empty Nesters* Wise and Safe Investing  Savings     Seniors/Personas de Edad Avanzada  Medicare Appeals and Grievance Program Lower Costs, Better Care for District of Columbia Seniors: Medicare After The Affordable Care Act Benefits in 2011* Moving In and Out of the Doughnut Hole Navigating the Part D Coverage Gap* Are you overwhelmed trying to understand insurance? – Here is some help for Seniors and Empty Nesters* Annual Medicare Enrollment: Dates and Benefits Changes Seniors Should Know* Overview of Medicare and Predatory Sales Practices* Fraud Target: Senior Citizens* 10 Things You Should Know About Buying a Medigap Policy* 10 Things You Should Know About Buying Long-Term Care Insurance* / 10 Cosas que debe conocer antes de adquirir seguro de cuidado prolongado de salud* Life Insurance Tips for Seniors and Empty Nesters* Older Americans: How to Avoid Investment Fraud and Abuse* Predatory Practices in the Sales of Medicare Products* Reverse Mortgages—Cashing in on Home Ownership* What You Should Know about Medicare Prescription Drug Coverage* Other Consideration for Seniors and Empty Nesters* Persona de Tercera Edad: Edúquese Sobre las Anualidades* Small Business Information     Disaster Planning for Small Businesses* Doing Business 2.0: Business Insurance* Insure U for Small Business / Insure U para Empresas Pequeñas  Introduction to Business Owner's Policy: A Package Solution* Introduction to Liability Insurance*  Introduction to Property Insurance*  Taxes Make Sure You Cover all Your Tax Bases*   Unemployment     Young Familes  Here is Some Help for Young Families* Other Insurance Tips for Young Families* Young Singles New Health Care Reform Benefits for Young Adults* Are you overwhelmed trying to understand insurance? – Here is some help for Young Singles* Renters Insurance for College Students* Other Insurance Tips for Young Singles*