Have you gotten your free annual credit report this year?

It's important to check your credit report on a regular basis, and it's available to you at no cost every 12 months.  Get your free annual credit report here from each of the nationwide consumer credit reporting companies.

Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "non-interest bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "non-interest bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAs").  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

List of Credit Counseling Agencies

• http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm - U.S. Department of Justice, U.S. Trustee Program - Find a list of credit counseling agencies.
  

Personal Resources

• How to be proactive in today's economic conditions . . .
  

• http://www.ftc.gov/bcp/edu/microsites/idtheft// - Federal Trade Commission - On this site, consumers can learn how to avoid identity theft - and learn what to do if their identity is stolen.  Businesses can learn how to help their customers deal with identity theft, as well as how to prevent problems in the first place.  Law enforcement can get resources and learn how to help victims of identity theft.  

• http://www.fdic.gov/quicklinks/consumers.html - Federal Deposit Insurance Corporation - Information, alerts and advice for consumers and communities.

• http://www.irs.gov/ - Internal Revenue Service - Obtain forms and publications, check out online tools, and get answers to many tax questions.

• http://www.newyorkfed.org/publications/frame1.cfm?nav=picnic - Federal Reserve Bank - View, order and/or subscribe to public information materials for students, teachers and the general public.

• http://www.oregon.gov/ - State of Oregon - Official Oregon State Website
  

• http://www.leg.state.or.us/ors/home.html - State of Oregon - Oregon Revised Statutes

• http://www.oregon.gov/DSL/UP/index.shtml - State of Oregon - Department of State Lands - Information pertaining to unclaimed property in the State of Oregon

• http://www.secretservice.gov/know_your_money.shtml - U.S. Secret Service - A site designed to help you detect counterfeit currency and guard against forgery loss.
  

• http://www.ustreas.gov/education/ - US Treasury - Learn about the Treasury Department Office and Bureau.