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Consumer Action Publications

Consumer Action creates unbiased, reader-friendly educational guides on a wide range of personal finance topics and other subjects of interest to consumers. All publications are available in English, and many are available in Spanish, Chinese, Vietnamese and Korean as well.

In addition to being available, at no charge, to individual consumers, our publications are distributed through a national network of more than 6,000 community-based organizations. Government agencies, nonprofits and other groups who wish to distribute our materials for educational purposes can use the downloadable PDF file on the publication webpage to instantly produce a professional-looking brochure using an office printer.

2021

April

09
Privacy and security when using FinTech apps (Spanish) Cover

Privacy and security when using FinTech apps (Spanish) Comparta datos financieros con precaución.

Esta publicación le ofrece al usuario de fintech el conocimiento que le permitirá tomar decisiones prudentes cuando elija y utilice aplicaciones fintech, tomar medidas eficaces para proteger la seguridad de los datos de sus cuentas financieras, y comprender sus opciones si algo va mal. (Nuestra guía complementaria, Lo que debe saber sobre cómo funcionan las aplicaciones ‘fintech’, ofrece un resumen de la tecnología financiera y sobre lo que el usuario debe considerar con respecto a la privacidad y seguridad antes de seleccionar y utilizar herramientas financieras digitales.)

This fact sheet gives FinTech users the knowledge to make wise decisions when choosing and using FinTech apps, take effective steps to keep their financial account data safe, and understand their options if something goes wrong. (Our companion guide, What you need to know about how FinTech apps work, offers an overview of financial technology and what privacy and security considerations users should be aware of before choosing and using digital financial tools.)

08
What you need to know about how FinTech apps work (Spanish) Cover

What you need to know about how FinTech apps work (Spanish) Comparta datos financieros con precaución.

La tecnología financiera puede ofrecerle atractivos beneficios al consumidor que desea manejar sus finanzas de forma digital. Pero, como con cualquier herramienta o servicio de internet, las aplicaciones fintech deben seleccionarse y utilizarse de forma prudente. Esta publicación explica los tipos de herramientas fintech disponibles, cómo funcionan, y cómo afectan la privacidad y seguridad de sus datos. (Nuestra guía complementaria, Privacidad y seguridad para usuarios de aplicaciones ‘fintech’, le ofrece consejos para administrar y proteger sus datos.)

Financial technology can offer attractive benefits for consumers who want to take their personal finances digital. But, like all internet-based tools and services, FinTech apps need to be chosen and used with care. This publication explains the types of FinTech tools available, how they work, and what that means for your data privacy and security. (Our companion guide, Privacy and security when using fintech apps, offers actionable tips for managing and protecting your data.)

February

16
Privacy and security when using FinTech apps Cover

Privacy and security when using FinTech apps Share financial data with care.

This fact sheet gives FinTech users the knowledge to make wise decisions when choosing and using FinTech apps, take effective steps to keep their financial account data safe, and understand their options if something goes wrong. (Our companion guide, What you need to know about how FinTech apps work, offers an overview of financial technology and what privacy and security considerations users should be aware of before choosing and using digital financial tools.)

What you need to know about how FinTech apps work Cover

What you need to know about how FinTech apps work Share financial data with care. Financial technology can offer attractive benefits for consumers who want to take their personal finances digital. But, like all internet-based tools and services, FinTech apps need to be chosen and used with care. This publication explains the types of FinTech tools available, how they work, and what that means for your data privacy and security. (Our companion guide, Privacy and security when using fintech apps, offers actionable tips for managing and protecting your data.)

January

05
Get Credit for Your Hard Work (2020 Tax Year) (Korean) Cover

Get Credit for Your Hard Work (2020 Tax Year) (Korean) 저소득 근로 납세자들은 연방 근로 소득세액 공제(EITC)를 받을 자격이 있을 수 있습니다.

근로 소득세액 공제(the Earned Income Tax Credit, EITC)는 저소득 근로계층 납세자들과 가족들이 연방 소득세 신고를 할때 보다 많은 환불을 받을 수 있도록 도와줍니다. 본 출판문은 2020 과세 연도 EITC 지침을 포함한다 (2021년 4월 세금 납세).

The Earned Income Tax Credit (EITC) helps low-income working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

04
Improving your financial health with FinTech - Video (Chinese) Cover

Improving your financial health with FinTech - Video (Chinese) 個人理財應用程式初學者指南.

金融科技(FinTech)是專門使用互聯網及各種apps (應用程式, 是可供下載的行動軟件)的現代科技,專為消費者和企業而開發出功能強大的金融理財服務工具。對於那些希望改善他們的財務狀況並致力於實現目標的人,金融科技可以使相關過程更加便捷,成效高,甚至有回報。這本指南將詳盡介紹目前可供使用的金融科技(FinTech)種類以及它們如何為你提供幫助。本指南也將解釋選擇這些應用程序時應考慮的事項以及當你使用FinTech金融科技時應如何確保安全。

Financial technology (FinTech) is the use of modern technology, such as the internet and apps (downloadable mobile software), to develop powerful financial services tools for consumers and businesses. For those who are motivated to improve their finances and dedicated to working toward their goals, FinTech can make the process more convenient, efficient and even rewarding. This guide will introduce you to the types of FinTech tools available and how they can help you. It will also tell you what to consider when choosing an app and how to stay safe when using FinTech.

Get Credit for Your Hard Work (2020 Tax Year) (Chinese) Cover

Get Credit for Your Hard Work (2020 Tax Year) (Chinese) 低收入工薪納稅人可以享有聯邦退稅優惠.

工薪退稅優惠(EITC) 有助於低收入工作納稅人及家庭在申報聯邦所得稅時得到更多的退稅。這本刊物內容包括EITC(聯邦低收入者工薪退稅優惠)2020年度稅務申報各項指標 (即為納稅人在2021年4月應繳的稅金)。

The Earned Income Tax Credit (EITC) helps low-income, working taxpayers and families get more money back when they file their federal income tax forms. This publication contains EITC guidelines for the 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

Get Credit for Your Hard Work (2020 Tax Year) (Vietnamese) Cover

Get Credit for Your Hard Work (2020 Tax Year) (Vietnamese) Người làm lương ít có thể nhận lại thuế liên bang EITC.

Tiền được trả về từ thuế thâu nhập EITC (The Earned Income Tax Credit) giúp những người lao động và gia đình của họ có mức thâu nhập thấp nhận thêm tiền thuế trả về khi họ khai thuế liên bang. Ấn bản này bao gồm các hướng dẫn về EITC cho mùa thuế năm 2020 (hạn chót nộp thuế là tháng tư 2021).

The Earned Income Tax Credit (EITC) helps low-income, working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

Get Credit for Your Hard Work (2020 Tax Year) Cover

Get Credit for Your Hard Work (2020 Tax Year) Low-income working taxpayers may qualify for the federal EITC. The Earned Income Tax Credit (EITC) helps low-income working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

Get Credit for Your Hard Work (2020 Tax Year) (Spanish) Cover

Get Credit for Your Hard Work (2020 Tax Year) (Spanish) Los contribuyentes activos de bajos ingresos pueden calificar para el Crédito Tributario por Ingreso del Trabajo (EITC).

El Crédito Tributario por Ingreso del Trabajo (EITC, siglas de Earned Income Tax Credit) ayuda a los contribuyentes activos de bajos ingresos y a sus familias a recibir más dinero en reembolsos cuando presentan su declaración federal de impuestos. Esta publicación contiene las pautas establecidas para el año impositivo 2020 (para impuestos que se pagan en abril del 2021).

The Earned Income Tax Credit (EITC) helps low-income working taxpayers and families get more money back when they file their federal income tax return. This publication contains EITC guidelines for the 2020 tax year (for taxes due in April 2021).

NOTE: Announced on Dec. 20, a “lookback” provision will allow low-income workers to apply their 2019 earned income to their 2020 tax returns for the purposes of calculating the EITC or Additional Child Tax Credit (ACTC). For both these credits, the more you earn (while still remaining below the maximum), the higher your credit. The lookback measure will allow filers to receive a credit in line with their normal earnings level, rather than be penalized with a lower credit on top of reduced 2020 earnings caused by the pandemic. However, taxpayers must actively “opt in” to the lookback provision (it won’t automatically occur).

 

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