We Are All Consumers

Middle and low-income consumers must navigate myriad, potentially dangerous financial products and services designed to trap them in an unending cycle of debt. Corporations and industries are constantly evolving to circumvent common sense state and federal regulations enacted to prevent unfair, deceptive and unconscionable practices such as triple-digit small loans (payday loans, title loans).

Banks, mortgage lenders, insurance companies, cryptocurrency and the financial technology era all pose additional risks and challenges for unsophisticated or desperate consumers. As the economic divide continues to widen, so do the types of financial products and services targeted specifically to financially disadvantaged individuals and families.

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Predatory Lending
CEI Initiatives
Consumer Protection
Additional Resources

File a Complaint

For a consumer related complaint

Contact the

Tell the CFPB you want them to write strong rules to prevent payday lenders and auto title lenders from taking advantage of vulnerable consumers. Submit your comment to CFPB.

File by phone or online

File a consumer complaint against a Lender in Arizona charging document preparation fees

To file a consumer complaint against a Lender engaging in transactions with Arizona consumers, and charging document preparation fees on auto title or small loans on or after July 1, 2013, please visit the Arizona Department of Financial Institutions.

Or send mail to:
Arizona Department of Financial Institutions
2910 N. 44th Street, Suite 310
Phoenix, AZ 85018

File a consumer complaint with the AZ State Attorney General

AZ State Attorney General’s Office
Online: Consumer Information and Complaints
By email: consumerinfo@azag.gov
By phone or fax:
(602) 542-5763 (Phoenix) / Fax (602) 542-4579
(520) 628-6504 (Tucson) /

File a consumer complaint with the Federal Trade Commission

The FTC encourages consumers to file a complaint whenever they have been the victim of fraud, identity theft, or other unfair or deceptive business practices.

For a labor related complaint

Contact the Industrial Commission of Arizona
Phone: (602) 542-4515
Fax: (602) 542-8097

Note: The Labor Department has three areas of jurisdiction: resolution of disputes involving wages; youth employment law enforcement; and the licensing of private employment agencies that charge fees to applicants.

Freeze Your Credit Files for Free

As of September 21, 2018 you have the right to ask the nationwide reporting agencies to freeze your credit files and lift the freeze, whenever you want, at no charge.

Research and Helpful Information

Research articles

* CRL = Center for Responsible Lending, ** CFPB = Consumer Financial Protection Bureau

“Don’t Borrow Trouble” help hotline

Don’t Borrow Trouble® (DBT) is a HUD certified counseling agency and a program of Southwest Fair Housing Council. It is an unbiased, non-profit agency dedicated to helping those in financial trouble.
By phone:
Hotline: (520) 792-3087
Toll Free: 1-888-624-4611

Four things you can do when experiencing debt collection problems

Here are four things that you or your loved ones can do when experiencing debt collection problems.
No one should have to put up with harassing or offensive phone calls from debt collectors.

BE AWARE that older Americans are specifically targeted.

Harmful debt collection practices

The CFPB issued two bulletins to both creditors and debt collectors reminding them they may not misrepresent the amount, character, or legal status of debts they are collecting, fail to post payments, falsely threaten arrest, or take other unfair, deceptive or abusive action.
In addition, another bulletin warned debt collectors they may not misrepresent the effect of payment on credit scores and creditworthiness. The CFPB also announced it will now accept consumer complaints on debt collection and published sample action letters consumers may send to collectors to dispute the debt, request proof of the debt, and restrict or stop communication.
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