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diff --git a/wget.log.gz b/wget.log.gz
index 85412e686120..10739d1c009a 100644
Binary files a/wget.log.gz and b/wget.log.gz differ
diff --git a/www.consumerfinance.gov/about-us/blog/index.html b/www.consumerfinance.gov/about-us/blog/index.html
index a8031c7167ff..9969e842471d 100644
--- a/www.consumerfinance.gov/about-us/blog/index.html
+++ b/www.consumerfinance.gov/about-us/blog/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small business lending database
+        Small Business Lending Database
     </a>
 </li>
             </ul>
@@ -1140,11 +1140,11 @@
         </div>
     </div>
 </header>
-    <main class="content content__2-1 content__bleedbar"
+    <main class="content content__2-1 content__bleedbar "
           id="main">
-<div class="content_wrapper">
-    <div class="content_main ">
-        <section>
+        <div class="content_wrapper">
+            <div class="content_main ">
+                <section>
    <div class="block block__flush-top">
 <h1>Blog</h1>
    </div>
@@ -2533,9 +2533,9 @@ <h3 class="o-post-preview_title">
             </section>
 </div>
     </div>
-        </section>
-    </div>
-    <aside class="content_sidebar o-sidebar-content">
+                </section>
+            </div>
+            <aside class="content_sidebar o-sidebar-content">
    <div class="block block__flush-top">
 <div class="o-email-signup">
     <header class="m-slug-header">
@@ -2592,8 +2592,8 @@ <h2 class="m-slug-header_heading ">
     </a>
 </div>
             </div>
-    </aside>
-</div>
+            </aside>
+        </div>
     </main>
 <footer class="o-footer">
     <div class="wrapper wrapper__match-content">
diff --git a/www.consumerfinance.gov/about-us/careers/index.html b/www.consumerfinance.gov/about-us/careers/index.html
index faef6b2377d2..b1435f99edf3 100644
--- a/www.consumerfinance.gov/about-us/careers/index.html
+++ b/www.consumerfinance.gov/about-us/careers/index.html
@@ -1176,33 +1176,33 @@ <h3>Current openings</h3>
     <ul class="m-list m-list__unstyled m-list__links">
         <li class="m-list_item">
             <a class="m-list_link"
-               href="/about-us/careers/current-openings/congressional-liaison-24-cfpb-66-p/">
-                  Congressional Liaison
+               href="/about-us/careers/current-openings/enforcement-economist-24-cfpb-62-dh/">
+                  Enforcement Economist
                 <span class="m-list_link-subtext">
                     Closing
-                    <span class="datetime"><time class="datetime_date" datetime="2024-01-10T00:00:00">Jan. 10, 2024</time>
+                    <span class="datetime"><time class="datetime_date" datetime="2024-01-12T00:00:00">Jan. 12, 2024</time>
 </span>
                </span>
             </a>
         </li>
         <li class="m-list_item">
             <a class="m-list_link"
-               href="/about-us/careers/current-openings/enforcement-economist-24-cfpb-62-dh/">
-                  Enforcement Economist
+               href="/about-us/careers/current-openings/acquisition-support-specialist-24-cfpb-65-mp/">
+                  Acquisition Support Specialist
                 <span class="m-list_link-subtext">
                     Closing
-                    <span class="datetime"><time class="datetime_date" datetime="2024-01-12T00:00:00">Jan. 12, 2024</time>
+                    <span class="datetime"><time class="datetime_date" datetime="2024-01-16T00:00:00">Jan. 16, 2024</time>
 </span>
                </span>
             </a>
         </li>
         <li class="m-list_item">
             <a class="m-list_link"
-               href="/about-us/careers/current-openings/acquisition-support-specialist-24-cfpb-65-mp/">
-                  Acquisition Support Specialist
+               href="/about-us/careers/current-openings/paralegal-specialist24-cfpb-70-p24-cfpb-69-mp/">
+                  Paralegal Specialist
                 <span class="m-list_link-subtext">
                     Closing
-                    <span class="datetime"><time class="datetime_date" datetime="2024-01-16T00:00:00">Jan. 16, 2024</time>
+                    <span class="datetime"><time class="datetime_date" datetime="2024-01-22T00:00:00">Jan. 22, 2024</time>
 </span>
                </span>
             </a>
diff --git a/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html b/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html
new file mode 100644
index 000000000000..1d96ba9fbab8
--- /dev/null
+++ b/www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/index.html
@@ -0,0 +1,1463 @@
+<!DOCTYPE html>
+<html lang="en" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>I think I or someone I know was the victim of a scam or financial exploitation. Who can I contact for help? | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="ask-cfpb/answer-page.html">
+    <meta name="description"
+          content="If you suspect a scam, there are a few important steps you should take right away.">
+    <link rel="canonical" href="https://www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/">
+    <meta property="og:title" content="I think I or someone I know was the victim of a scam or financial exploitation. Who can I contact for help? | Consumer Financial Protection Bureau">
+    <meta property="og:type" content="website">
+    <meta property="og:url" content="https://www.consumerfinance.gov/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/">
+        <meta property="og:image" content="https://files.consumerfinance.gov/f/images/ask-cfpb-social-bank-accounts-and-services.original.png">
+        <meta property="twitter:image" content="https://files.consumerfinance.gov/f/images/ask-cfpb-social-bank-accounts-and-services.original.png">
+            <meta name="twitter:card" content="summary_large_image">
+    <meta property="og:description"
+          content="If you suspect a scam, there are a few important steps you should take right away.">
+    <meta property="og:site_name" content="Consumer Financial Protection Bureau">
+    <meta property="fb:app_id" content="210516218981921">
+    <link rel="icon" href="/static/favicon.ccb3dcabd67e.ico" sizes="any">
+    <link rel="icon" href="/static/icon.c46f4400c465.svg" type="image/svg+xml">
+    <link rel="apple-touch-icon" href="/static/apple-touch-icon.fdc50b7ff8a9.png">
+    <link rel="manifest" href="/static/site.82101d434c3b.webmanifest">
+    <link rel="preload"
+          href="/static/fonts/2cd55546-ec00-4af9-aeca-4a3cd186da53.457e94a5b665.woff2"
+          as="font"
+          type="font/woff2" crossorigin>
+    <link rel="preload"
+          href="/static/fonts/627fbb5a-3bae-4cd9-b617-2f923e29d55e.24932ad03d18.woff2"
+          as="font"
+          type="font/woff2" crossorigin>
+    <link rel="preload" href="/static/js/routes/common.295b5396c0ca.js" as="script">
+    <link rel="preconnect" href="//google-analytics.com/" crossorigin>
+    <link rel="dns-prefetch" href="//google-analytics.com/">
+    <link rel="preconnect" href="//googletagmanager.com/" crossorigin>
+    <link rel="dns-prefetch" href="//googletagmanager.com/">
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+    <link rel="dns-prefetch" href="//js-agent.newrelic.com/">
+    <link rel="dns-prefetch" href="//ytimg.com/">
+    <link rel="dns-prefetch" href="//doubleclick.net/">
+</head>
+<body>
+    <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-KMMLRS"
+    height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
+    <div class="a-overlay u-hidden"></div>
+    <div class="skip-nav">
+        <a class="skip-nav_link"
+          href="#main">
+            Skip to main content
+        </a>
+    </div>
+<header class="o-header o-header__mega-menu">
+    <div class="m-global-eyebrow
+                m-global-eyebrow__horizontal">
+        <div class="wrapper
+                    wrapper__match-content">
+<div class="a-tagline"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
+      <span class="u-nowrap">United States government</span>
+   </div>
+</div>
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
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+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
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+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            Search
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">Search</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">Close</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Search</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Search</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children o-mega-menu_content-link__current o-mega-menu_content-1-link__current" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+       >
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+       >
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+       >
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+       >
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+       >
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+       >
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+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+                    Fraud and scams
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+    <div class="content_main  content__flush-bottom">
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+    <div class="block
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+            <time datetime='2018-03-06' class="answer-edited-date">last reviewed: MAR 06, 2018</time>
+        <h1>
+            I think I or someone I know was the victim of a scam or financial exploitation. Who can I contact for help?
+        </h1>
+    </div>
+    <div class="block
+                block__flush-top">
+            <div class="lead-paragraph">
+                <p data-block-key="mwwtd">If you suspect a scam, there are a few important steps you should take right away.</p>
+            </div>
+        <div class="block block__sub">
+            <div class="o-summary o-summary__mobile">
+                <div class="o-summary_content answer-text">
+    <div class="row text-row"
+        >
+        <ol><li data-block-key="70tpa">Contact your local police or sheriff’s office to report the scam.</li><li data-block-key="fx400">Contact your state attorney general. Visit the <a class="a-link a-link__icon" data-pretty-href="http://www.naag.org/naag/attorneys-general/whos-my-ag.php" href="/external-site/?ext_url=http%3A%2F%2Fwww.naag.org%2Fnaag%2Fattorneys-general%2Fwhos-my-ag.php&amp;signature=faTglntonjJci2u4cAjyb0LOLQ1Fls6ONjGzD8XhwcE"><span class="a-link_text">National Association of Attorneys General</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> website for the contact information of each state attorney general.</li><li data-block-key="d0731">If the victim is an older person or a person with a disability, contact your local adult protective services agency. You can find your state or local agency that receives and investigates reports of suspected elder financial exploitation by using the online <a class="a-link a-link__icon" href="https://eldercare.acl.gov/"><span class="a-link_text">Eldercare Locator</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> or calling (800) 677-1116.</li><li data-block-key="fxez5">If you or someone you care about is the victim of a fraud, scam or financial exploitation, you can <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">submit a complaint</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> with the Federal Trade Commission.</li></ol><p data-block-key="1ypj9">Because all scams are different, you might have to reach out to a number of other local, state, and federal agencies depending on your situation.</p>
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diff --git a/www.consumerfinance.gov/complaint/data-use/index.html b/www.consumerfinance.gov/complaint/data-use/index.html
new file mode 100644
index 000000000000..0e8bea0e31f5
--- /dev/null
+++ b/www.consumerfinance.gov/complaint/data-use/index.html
@@ -0,0 +1,1467 @@
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+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/complaint/">
+                    Submit a complaint
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top block__padded-bottom block__border-bottom">
+<h1>How we share complaint data</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="9smw5">Each week we send thousands of consumer complaints about financial products and services to companies for response. Data from those complaints helps us understand the financial marketplace and protect consumers.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-info-unit-group" id="ways-we-use-complaint-data" >
+<h2 id="ways-we-use-complaint-data">Ways we use complaint data</h2>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1">
+<div class="m-info-unit m-info-unit__inline">
+        <img class="m-info-unit_image m-info-unit_image__square"
+            src="https://files.consumerfinance.gov/f/images/complaint-process-analyze-round-300x300.original.png"
+            alt=""><div class="m-info-unit_content">
+        <p data-block-key="s94eb"></p><ul><li data-block-key="e5h6o">We <b>forward</b> each complaint to the appropriate company for a response.<br/></li><li data-block-key="1s2ff">We <b>share</b> complaint data with state and federal agencies. We also present reports to Congress.<br/></li><li data-block-key="37ck0">We <b>analyze</b> complaint data to help with our work to supervise companies, enforce federal consumer financial laws, and write better rules and regulations.<br/></li><li data-block-key="r2gq">We <b>publish</b> complaints in the <a href="/data-research/consumer-complaints/">Consumer Complaint Database</a> (without information that directly identifies you).</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="2nbgo">What we publish in the Consumer Complaint Database</h2><p data-block-key="5lvp1">Complaints must meet all of the publication criteria in our <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201303_cfpb_Final-Policy-Statement-Disclosure-of-Consumer-Complaint-Data.pdf"><span class="a-link_text">policy statement</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>, <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201503_cfpb_disclosure-of-consumer-complaint-narrative-data.pdf"><span class="a-link_text">narrative data policy statement</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>, and <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_narrative-scrubbing-standard_2023-05.pdf"><span class="a-link_text">narrative scrubbing standard</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>.</p><h3 data-block-key="c4kj2">Types of complaint data we publish</h3><p data-block-key="8ccde">We publish complaints after the company responds or after 15 days, whichever comes first.</p><p data-block-key="r67o"></p>
+            </div>
+            <div class="block">
+<table class="o-table o-table__stack-on-small u-w100pct">
+    <thead>
+        <tr>
+                <th scope="col">Field name</th>
+                <th scope="col">Description</th>
+        </tr>
+    </thead>
+    <tbody>
+            <tr>
+                <td data-label="Field name">Date received</td>
+                <td data-label="Description"><p>The date the CFPB received the complaint. For example, “05/25/2013.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Product</td>
+                <td data-label="Description"><p>The type of product the consumer identified in the complaint. For example, “Checking or savings account” or “Student loan.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Sub-product</td>
+                <td data-label="Description"><p>The type of sub-product the consumer identified in the complaint. For example, “Checking account” or “Private student loan.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Issue</td>
+                <td data-label="Description"><p>The issue the consumer identified in the complaint. For example, “Managing an account” or “Struggling to repay your loan.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Sub-issue</td>
+                <td data-label="Description"><p>The sub-issue the consumer identified in the complaint. For example, “Deposits and withdrawals” or “Problem lowering your monthly payments.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Consumer complaint narrative</td>
+                <td data-label="Description"><p>Consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Company public response</td>
+                <td data-label="Description"><p>The company’s optional, public-facing response to a consumer’s complaint. Companies can choose to select a response from a pre-set list of options that will be posted on the public database. For example, “Company believes complaint is the result of an isolated error.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Company</td>
+                <td data-label="Description"><p>The complaint is about this company. For example, “ABC Bank.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">State</td>
+                <td data-label="Description"><p>The state of the mailing address provided by the consumer.<br/></p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">ZIP code</td>
+                <td data-label="Description"><p>The mailing ZIP code provided by the consumer. This field may: i) include the first five digits of a ZIP code; ii) include the first three digits of a ZIP code (if the consumer consented to publication of their complaint narrative); or iii) be blank (if ZIP codes have been submitted with non-numeric values, if there are less than 20,000 people in a given ZIP code, or if the complaint has an address outside of the United States).</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Tags</td>
+                <td data-label="Description"><p>Data that supports easier searching and sorting of complaints submitted by or on behalf of consumers.<br/></p><p>For example, complaints where the submitter reports the age of the consumer as 62 years or older are tagged “Older American.” Complaints submitted by or on behalf of a servicemember or the spouse or dependent of a servicemember are tagged “Servicemember.” Servicemember includes anyone who is active duty, National Guard, or Reservist, as well as anyone who previously served and is a veteran or retiree.</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Consumer consent provided?</td>
+                <td data-label="Description"><p>Identifies whether the consumer opted in to publish their complaint narrative. We do not publish the narrative unless the consumer consents, and consumers can opt-out at any time.</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Submitted via</td>
+                <td data-label="Description"><p>How the complaint was submitted to the CFPB. For example, “Web” or “Phone.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Date sent to company</td>
+                <td data-label="Description"><p>The date the CFPB sent the complaint to the company.</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Company response to consumer</td>
+                <td data-label="Description"><p>This is how the company responded. For example, “Closed with explanation.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Timely response?</td>
+                <td data-label="Description"><p>Whether the company gave a timely response. For example, “Yes” or “No.”</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Consumer disputed?</td>
+                <td data-label="Description"><p>Whether the consumer disputed the company’s response.</p></td>
+            </tr>
+            <tr>
+                <td data-label="Field name">Complaint ID</td>
+                <td data-label="Description"><p>The unique identification number for a complaint.</p></td>
+            </tr>
+    </tbody>
+</table>
+            </div>
+            <div class="m-full-width-text">
+                <p data-block-key="8w09m"></p><h3 data-block-key="is20">We only share narratives with the consumer’s consent</h3><p data-block-key="2d09e">A consumer complaint narrative is the consumer-submitted description of “what happened” from the complaint. Consumers must opt-in to share their narrative. We will not publish the narrative unless the consumer consents, and consumers can opt-out at any time. The CFPB takes reasonable steps to scrub personal information from each complaint that could be used to identify the consumer.</p><h3 data-block-key="cmqr1">We don’t publish personal information</h3><p data-block-key="b2r4m">Personal information submitted as part of a complaint, such as names, contact information, account numbers, social security numbers, and supporting documents, helps the company identify the consumer. This information is not published in the Consumer Complaint Database.</p><h3 data-block-key="6f91o">Read our latest annual report to Congress</h3><p data-block-key="fth50"><a href="/data-research/research-reports/2022-consumer-response-annual-report/">Read the full report</a></p>
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+                <h2 data-block-key="nkmsv"></h2><hr/><h2 data-block-key="5a1c1"><br/>Ready to start your complaint?</h2><p data-block-key="aa3a4">You can submit a complaint <a href="/complaint/">online now</a>. It usually takes less than 10 minutes.</p><p data-block-key="94mkc"><a href="https://portal.consumerfinance.gov/consumer/s/?_gl=1*1fjzu0k*_ga*MTMxMTY4MTQ4OC4xNjAyODYyMzgw*_ga_DBYJL30CHS*MTY0NzAzMTQ2MC41OS4xLjE2NDcwMzYzMTUuMA..">Check the status of a complaint you've already submitted.</a></p>
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+                        <a class="m-list_link" href="/tribal/">
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\ No newline at end of file
diff --git a/www.consumerfinance.gov/complaint/index.html b/www.consumerfinance.gov/complaint/index.html
index 35c62594110d..489bce81eb5e 100644
--- a/www.consumerfinance.gov/complaint/index.html
+++ b/www.consumerfinance.gov/complaint/index.html
@@ -1,5 +1,7 @@
 <!DOCTYPE html>
-<html lang="en" class="no-js">
+<html lang="en" class="no-js"
+itemscope="" itemtype="http://schema.org/FAQPage"
+>
 <head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
     <meta http-equiv="X-UA-Compatible" content="IE=edge">
     <meta charset="utf-8">
@@ -873,7 +875,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small business lending database
+        Small Business Lending Database
     </a>
 </li>
             </ul>
@@ -1134,10 +1136,8 @@
         </div>
     </div>
 </header>
-    <main class="content content__2-1 content__bleedbar"
-          id="main"
-            itemscope="" itemtype="http://schema.org/FAQPage"
-          >
+    <main class="content content__2-1 content__bleedbar "
+          id="main">
    <div class="block block__flush-top block__flush-top block__flush-bottom">
 <section class="m-hero">
     <div class="m-hero_wrapper">
@@ -1183,9 +1183,9 @@ <h1 class="m-hero_heading">Submit a complaint about a financial product or servi
     </style>
 </section>
    </div>
-<div class="content_wrapper">
-    <div class="content_main ">
-        <section>
+        <div class="content_wrapper">
+            <div class="content_main ">
+                <section>
             <div class="block block__flush-top">
 <section class="o-featured-content-module
                 ">
@@ -1412,9 +1412,9 @@ <h2 data-block-key="3k0tm">Ready to begin?</h2><p data-block-key="ag5bg">Submitt
             </div>
 </div>
    </div>
-        </section>
-    </div>
-    <aside class="content_sidebar o-sidebar-content">
+                </section>
+            </div>
+            <aside class="content_sidebar o-sidebar-content">
    <div class="block block__flush-top">
       <div class="m-related-links">
         <header class="m-slug-header">
@@ -1441,8 +1441,8 @@ <h2 class="m-slug-header_heading">
         </ul>
 </div>
    </div>
-    </aside>
-</div>
+            </aside>
+        </div>
     </main>
 <footer class="o-footer">
     <div class="wrapper wrapper__match-content">
diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/ar/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/ar/index.html
new file mode 100644
index 000000000000..4be01b46d925
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/ar/index.html
@@ -0,0 +1,1574 @@
+<!DOCTYPE html>
+<html lang="ar" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>إرسال النقود إلى دولة أخرى: | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/browse-basic/index.html">
+    <meta name="description"
+          content="هل قمت من قبل بإرسال نقود إلى عائلتك أو أصدقائك أو آخرين في دولةٍ أخرى؟ هل تخطط لإرسال نقود إلى الخارج؟">
+    <link rel="canonical" href="https://www.consumerfinance.gov/consumer-tools/sending-money/ar/">
+    <meta property="og:title" content="إرسال النقود إلى دولة أخرى: | Consumer Financial Protection Bureau">
+    <meta property="og:type" content="website">
+    <meta property="og:url" content="https://www.consumerfinance.gov/consumer-tools/sending-money/ar/">
+        <meta property="og:image"
+              content="https://www.consumerfinance.gov/static/img/logo_open-graph_facebook.d0dedfbe1787.png">
+        <meta property="twitter:image"
+              content="https://www.consumerfinance.gov/static/img/logo_open-graph_twitter.ebc43e92acd1.png">
+    <meta property="og:description"
+          content="هل قمت من قبل بإرسال نقود إلى عائلتك أو أصدقائك أو آخرين في دولةٍ أخرى؟ هل تخطط لإرسال نقود إلى الخارج؟">
+    <meta property="og:site_name" content="Consumer Financial Protection Bureau">
+    <meta property="fb:app_id" content="210516218981921">
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+          as="font"
+          type="font/woff2" crossorigin>
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+          href="/static/fonts/627fbb5a-3bae-4cd9-b617-2f923e29d55e.24932ad03d18.woff2"
+          as="font"
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+    <link rel="preload" href="/static/js/routes/common.295b5396c0ca.js" as="script">
+    <link rel="preconnect" href="//google-analytics.com/" crossorigin>
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+        <a class="skip-nav_link"
+          href="
+    #content_main">
+            Skip to main content
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+    </div>
+<header class="o-header o-header__mega-menu">
+    <div class="m-global-eyebrow
+                m-global-eyebrow__horizontal">
+        <div class="wrapper
+                    wrapper__match-content">
+<div class="a-tagline"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
+      <span class="u-nowrap">United States government</span>
+   </div>
+</div>
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
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+                        <a href="/es/" hreflang="es" lang="es">
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+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
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+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">بحث</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">اغلاق</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
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+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
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+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">بحث</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">بحث</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children o-mega-menu_content-link__current o-mega-menu_content-1-link__current" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
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+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
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+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+           dir="rtl" >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/consumer-tools/sending-money/">
+                    Sending Money
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            "
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            انتقل إلى هذا القسم
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/zh/>
+    中文
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/vi/>
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/tl/>
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ru/>
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ko/>
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+<h1>إرسال النقود إلى دولة أخرى:</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/zh/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/vi/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ko/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/tl/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ru/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="cwwz9">هل قمت من قبل بإرسال نقود إلى عائلتك أو أصدقائك أو آخرين في دولةٍ أخرى؟ هل تخطط لإرسال نقود إلى الخارج؟</p>
+    </div>
+    <p data-block-key="h0t7p">نحن مكتب الحماية المالية للمستهلك (CFPB)، وهو مكتب يمثل جهة حكومية فيدرالية جديدة لحماية المستهلكين وضمان استفادة الجميع من المنتجات والخدمات المالية في الولايات المتحدة، بما في ذلك عند إرسال نقود إلى دولة أخرى. لذا، نريد أن نحيطك علمًا بالمعلومات التي تحتاج إليها لاتخاذ أفضل قرار مالي لك ولعائلتك.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="su7z1"><b>إذا ظننت أنك تواجه مشكلة، فاتصل بنا على الرقم التالي:</b> <b><span dir="ltr"></b><a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b></span></b> <b>واضغط على 8.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="xx8d9">حقوقك</h2><p data-block-key="2tpl0">عندما تقوم بإرسال نقود إلى دولة أخرى، تتمتع في معظم الحالات بحقوق فيدرالية جديدة تحميك، بما في ذلك حقك فيما يلي:<br/></p><ul><li data-block-key="3hl2">تسليم النقود إلى الشخص المعني أو الشركة المعنية بدون خطأ.<br/></li><li data-block-key="d9ufs">الحصول على المعلومات الآتية قبل الدفع  و بعد تحويل المبلغ :<br/><ul><li data-block-key="9eg3m">سعر الصرف (إن وُجِد)</li><li data-block-key="5rk8k">الرسوم المطبقة</li><li data-block-key="2k1r1">الضرائب</li><li data-block-key="46o5s">المبلغ المقرر تسليمه</li></ul></li><li data-block-key="6s5l8">إلغاء التحويل بدون تكلفة ، عادةً في غضون 30 دقيقة بعد إرسال النقود،.</li><li data-block-key="9ed6l">إبلاغ الشركة (المحول) بوجود مشكلة في غضون 180 يومًا و بدء التحقيق فيها. ويتعين على الشركة النظر في المشكلة في غضون 90 يومًا وإعلامك بالنتائج التي توصلت إليها.<br/><ul><li data-block-key="ceo3u">في بعض الحالات، يجوز لك استرداد نقودك أو إعادة إرسال المبلغ مجددًا.</li></ul></li><li data-block-key="4r630">الاتصال بمكتب CFPB إذا واجهت مشكلة عند إرسال النقود.</li></ul>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <h3 data-block-key="iwmou">االمسائل  الشائعة التي يتم إبلاغ مكتب CFPB بها</h3><ul><li data-block-key="84ujv">لم تمدك الشركة، قبل إرسالك للنقود أو بعد ذلك، بأي معلومات عما يلي:<ul><li data-block-key="7pv2j">سعر الصرف (إن وُجد)</li><li data-block-key="5qk5n">الرسوم المطبقة</li><li data-block-key="6e0m0">إجمالي المبلغ المتوقع تسليمه</li></ul></li><li data-block-key="3ueas">إحدى أو كل المعلومات المذكورة اعلاه (سعر الصرف أو الرسوم أو إجمالي المبلغ المقرر تسليمه)المُدرجة على الوصل غير صحيحًة.</li><li data-block-key="2hr9s">لم يتمكن المرسل إليه من الحصول على النقود في التاريخ المحدد.</li><li data-block-key="71chk">تمت محاسبتك خطأ وطلب منك دفع مبلغ  بقيمة خاطئة.</li><li data-block-key="5jv7m">استلم المرسل إليه  المبلغ بقيمة خاطئة.</li><li data-block-key="jhmq">يراودك شعور بأن الشركة أو الشخص الذي أرسلت إليه النقود قد احتال عليك.</li></ul>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="6jcqm">إذا كنت تعتقد أنك واجهت إحدى المشكلات المبيّنة أعلاه أو أنه قد تم انتهاك حقوقك الفيدرالية الجديدة، فاتصل بالشركة على الفور. في بعض الحالات، قد تسترد أموالك أو تتم إعادة إرسالها مجددا بدون أية تكلفة إضافية. وبعد ذلك، اتصل بنا على الرقم (855) 411-2372 ، ثم اضغط على 8 لـ العربية، وسنتابع المشكلة مع الشركة.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="i4l73">قبل وبعد</h2><p data-block-key="q0iag">فيما يلي أمثلة على المعلومات التي يتعين على معظم الشركات تزويدك بها قبل إرسال النقود وبعد ذلك.<br/></p><p data-block-key="cbg8b"></p>
+            </div>
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+   </div>
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+<div class="o-info-unit-group" >
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+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">قبل الدفع</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="uf68s">قبل إرسال النقود، سترى ما يلي:<br/></p><ul><li data-block-key="8qubl">المبلغ الذي يجب عليك دفعه</li><li data-block-key="4dg8g">سعر الصرف (إن وُجد)</li><li data-block-key="2rnhd">إجمالي المبلغ المتوقع تسليمه للمرسل إليه</li></ul>
+    </div>
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+<div class="m-info-unit">
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+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
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+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">بعد الدفع</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="poecc">بعد إرسال النقود، سترى ما يلي:<br/></p><ul><li data-block-key="3en81">وقت توفر النقود</li><li data-block-key="82lo6">ما يجب القيام به في حالة حدوث خطأ</li><li data-block-key="dg1m2">كيفية تقديم شكوى</li><li data-block-key="b688h">سعر الصرف (إن وُجد)</li><li data-block-key="7v42e">إجمالي المبلغ المتوقع تسليمه للمرسل إليه</li><li data-block-key="508f">تعليمات بشأن حقك في إلغاء التحويل بدون تكلفة في غضون 30 دقيقة بعد إرساله بشرط ان يكون ذالك فبل أستلامه من المرسل إليه</li><li data-block-key="e8nif">كيفية تقديم شكوى، بما في ذلك معلومات حول كيفية الاتصال بمكتب CFPB، وبالجهة التنظيمية للولاية في بعض الحالات.</li></ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="6nghc">مقارنة التكلفة</h2><p data-block-key="83qtn">نرغب في أن يتوفر لديك كل المعلومات التي تحتاجها لتحديد اي الشركات أفضل بالنسبة لك.</p><p data-block-key="e6mis">قبل إرسال النقود، يتعين على الشركات أن تمدك بمعلومات حول سعر الصرف (إن وُجد) والضرائب التي سيحصّلها موفّر الخدمة وقيمة رسوم محددة سيتم فرضها عليك والمبلغ الذي سيحصل عليه المستلم. وفي هذه المرحلة، يمكنك اختيار عدم إرسال النقود كما يمكنك استخدام تلك المعلومات التي حصلت عليها للمقارنة بين المبالغ التي حصلت عليها من شركات مختلفة، وسيساعدك ذلك على التأكد من اختيار الشركة المناسبة لك ولأسرتك.</p>
+            </div>
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+   </div>
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+<div class="o-well">
+        <p data-block-key="wrbid"><b>إذا ظننت أنك تواجه مشكلة، فاتصل بنا على الرقم التالي:<span dir="ltr"></b><a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b></span>واضغط على 8.</b></p>
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diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/ko/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/ko/index.html
new file mode 100644
index 000000000000..35b72bff4bfe
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/ko/index.html
@@ -0,0 +1,1570 @@
+<!DOCTYPE html>
+<html lang="ko" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>한국어 | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/browse-basic/index.html">
+    <meta name="description"
+          content="다른 나라에 있는 가족, 친구 또는 다른 사람에게 송금하신 적이 있습니까? 해외로 송금하실 계획이 있으십니까?">
+    <link rel="canonical" href="https://www.consumerfinance.gov/consumer-tools/sending-money/ko/">
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+    <meta property="og:type" content="website">
+    <meta property="og:url" content="https://www.consumerfinance.gov/consumer-tools/sending-money/ko/">
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+          content="다른 나라에 있는 가족, 친구 또는 다른 사람에게 송금하신 적이 있습니까? 해외로 송금하실 계획이 있으십니까?">
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+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
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+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
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+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
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+            <div class="m-global-search"
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+            <span class="u-hide-on-mobile">검색</span>
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+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
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+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
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+                   <button class="a-btn">검색</button>
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+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
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+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children o-mega-menu_content-link__current o-mega-menu_content-1-link__current" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
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+       >
+        Notices and Opportunities to Comment
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+       >
+        Advisory Committees
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+        Enforcement
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+                aria-label="Enforcement"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/zh/>
+    中文
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/vi/>
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/tl/>
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ru/>
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ar/>
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+<h1>해외 송금</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/zh/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/vi/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/consumer-tools/sending-money/tl/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ru/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ar/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="cdksx">다른 나라에 있는 가족, 친구 또는 다른 사람에게 송금하신 적이 있습니까? 해외로 송금하실 계획이 있으십니까?</p>
+    </div>
+    <p data-block-key="uvqvv">저희 소비자금융보호국(CFPB)은, 소비자를 보호하는 한편, 미국의 모든 사람들이 해외 송금 등 금융 상품과 금융 서비스를 잘 사용할 수 있도록 지원하는 신설 연방 정부기관입니다. 우리는 귀하가 자신과 가족을 위해 가장 올바른 금전적 결정을 내리는 데 필요한 정보를 제공합니다.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="agwew"><b>문제가 있다고 생각되시면 연락 주십시오</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a> <b>그리고 다음 숫자를 누르세요 5.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="j6r11">소비자의 권리</h2><p data-block-key="dbuud">다른 나라에 송금하실 때, 대부분의 경우에 아래에 대한 권리를 포함하여 새로운 연방정부 차원에서의 권리가 귀하를 보호합니다.</p><ul><li data-block-key="cl1an">금전이 올바른 사람이나 사업체에 전달되도록 할 권리</li><li data-block-key="bfgdt">송금하기 전에 그리고 송금 후에 아래의 정보를 받을 권리<ul><li data-block-key="btam9">환율 (해당될 경우)</li><li data-block-key="fpoef">수수료</li><li data-block-key="8bdv1">세금</li><li data-block-key="6hvbc">수령하게 될 금액</li></ul></li><li data-block-key="c27va">일반적으로 송금한 지 30분 이내에 추가 비용 없이 송금을 취소할 수 있는 권리</li><li data-block-key="cg0ne">180일 내에 회사에 문제를 신고하고 그것을 조사하도록 요청할 권리. 회사는 90일 내에 그 문제를 조사하고 귀하에게 그 결과를 알려야 합니다.<ul><li data-block-key="9587p">경우에 따라서는 환불을 받거나 송금을 다시 할 수 있습니다.</li></ul></li><li data-block-key="1oje0">송금 시 문제가 발생할 경우 CFPB에 연락할 권리</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="hlyuv">CFPB에 신고되는 일반적인 문제</h3><ul><li data-block-key="3nigu">송금을 전후하여 해당 회사가 소비자에게 아래의 정보를 주지 않는 경우:<ul><li data-block-key="fmsno">환율 (해당될 경우)</li><li data-block-key="d9ab0">수수료</li><li data-block-key="4ve6o">전달될 것으로 예상되는 총액</li></ul></li><li data-block-key="51cq3">환율, 수수료, 영수증에 기재된 수취인에게 갈 총액이 부정확한 경우.</li><li data-block-key="7smbc">수취인이 약속된 날짜에 돈을 찾을 수 없는 경우.</li><li data-block-key="6050k">맞지 않는 돈을 수수료로 낸 경우.</li><li data-block-key="8hadp">수취인이 맞지 않는 금액을 받은 경우.</li><li data-block-key="7abbv">소비자가 송금을 위탁한 회사나 사람이 사기나 속임수를 저지른 것으로 믿어지는 경우.</li></ul>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <p data-block-key="j6r11">여기에서 언급한 문제가 발생하였거나 귀하의 새로운 연방 권리가 침해되었다고 생각되는 경우에는 <i>즉시</i> 해당 회사에 연락하십시오. 경우에 따라서는 환불을 받거나 추가 비용 없이 송금을 다시 할 수 있습니다.  그 다음으로, <a href="tel:(855) 411-2372">(855) 411-2372</a>로 연락하셔서 5 를 눌러 한국어 를 선택하시면 저희가 그 회사에 확인 연락을 취합니다.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="sbgq7">발생 전후</h2><p data-block-key="1um14">이것은 대부분의 회사에서 귀하가 송금하시기 전과 후에 귀하에게 제공해야 하는 정보의 예입니다.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">지불 전</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="l288d">송금하기 전에 아래의 정보를 알아야 합니다:</p><ul><li data-block-key="2rhfp">즉시 지불하는 금액</li><li data-block-key="c2khm">환율 (해당될 경우)</li><li data-block-key="buv9e">수령인에게 가는 총액 (즉, 예상 송금액)</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">지불 후</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="l288d">송금한 후에 아래의 정보를 알아야 합니다:</p><ul><li data-block-key="5lm91">돈을 찾을 수 있는 날짜</li><li data-block-key="7d3ri">오류 발생 시에 필요한 사항</li><li data-block-key="6lih0">민원 제기 방법</li><li data-block-key="7v5nc">환율 (해당될 경우)</li><li data-block-key="686tg">수취인에게 가는 총액 (즉, 예상 송금액)</li><li data-block-key="ajv8v">송금을 취소할 수 있는 소비자의 권리에 대한 설명</li><li data-block-key="3ima5">CFPB 및 경우에 따라 주의 규제기관에 연락할 수 있는 정보를 포함하여 민원을 제기할 수 있는 방법</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="sbgq7">비용 비교</h2><p data-block-key="a65rh">저희는, 소비자가 소비자에게 가장 잘 맞는 회사를 선택하기 위해 필요한 모든 정보를 제공받아야 한다고 믿습니다.</p><p data-block-key="bho0i">해당 회사는 소비자가 송금하기 전에 환율(해당되는 경우), 제공자가 징수하는 세금, 수수료, 수취인이 받을 금액에 대한 정보를 소비자에게 제공해야 합니다. 정보를 제공받은 이후, 소비자는 송금을 하지 않기로 선택할 수 있습니다. 소비자는 제공된 정보를 이용해 원하시는 만큼 다른 회사를 이용했을 때의 해당금액과 비교할 수 있습니다. 이를 통해 소비자는 자신과 가족에게 가장 잘 맞는 회사를 선택할 수 있습니다.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <p data-block-key="agwew"><b>문제가 있다고 생각되시면 연락 주십시오</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a> <b>그리고 다음 숫자를 누르세요 5.</b></p>
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diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/ru/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/ru/index.html
new file mode 100644
index 000000000000..c49d79e699a0
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/ru/index.html
@@ -0,0 +1,1574 @@
+<!DOCTYPE html>
+<html lang="ru" class="no-js">
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+    <link rel="canonical" href="https://www.consumerfinance.gov/consumer-tools/sending-money/ru/">
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+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
+    </button>
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+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
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+       >
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+    </a>
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
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+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/consumer-tools/sending-money/">
+                    Sending Money
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            "
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Навигация по этому разделу
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/zh/>
+    中文
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/vi/>
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/tl/>
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ko/>
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ar/>
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+<h1>Денежные переводы в другие страны</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/zh/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/vi/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ko/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/tl/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/consumer-tools/sending-money/ar/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="ov0g5">Вы послали деньги родным, друзьям или другим людям, живущим за границей? Вы планируете послать денежный перевод в другую страну?</p>
+    </div>
+    <p data-block-key="rbs7e">Мы – Бюро по финансовой защите потребителей (CFPB), новое федеральное агентство, которое защищает интересы потребителей и обеспечивает, чтобы каждый человек мог без проблем использовать финансовые продукты и услуги, включая перевод денег в другую страну. Мы хотим, чтобы у вас была вся необходимая информация, позволяющая вам принимать наилучшие финансовые решения для себя и вашей семьи.<br/></p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="q2yee"><b>Если вам кажется, что у вас возникла проблема, позвоните по телефону:</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a> <b>и нажмите 7.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="wdnr4">ВАШИ ПРАВА</h2><p data-block-key="n4xjw">Когда вы посылаете деньги в другую страну, в большинстве случаев вы имеете новые федеральные права, включая право:</p><ul><li data-block-key="7cn6d">На то, чтобы деньги были доставлены указанному вами человеку или компании.</li><li data-block-key="v7mib">Получить следующую информацию до оплаты и после отправки перевода:<ul><li data-block-key="1vmke">валютный курс (если он применяется)</li><li data-block-key="phkxw">размеры определенных взносов</li><li data-block-key="yi2yp">налоги</li><li data-block-key="q7vr9">сумму, которая будет получена</li></ul></li><li data-block-key="r7y0l">Бесплатно отменить перевод, как правило, в течение 30 минут после отправки.</li><li data-block-key="ncgdj">Сообщить о проблеме в компании в течение 180 дней, которая обязана провести расследование. Компания обязана разобраться с проблемой в течение 90 дней и сообщить вам о результате.<ul><li data-block-key="g2syz">В некоторых случаях вы можете получить возврат денег, или перевод может быть отправлен повторно.</li></ul></li><li data-block-key="8a75q">Если у вас возникла проблема с отправкой денег, обратитесь в CFPB.</li></ul>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <h3 data-block-key="hwgpq">Распространенные проблемы, о которых следует сообщать в CFPB</h3><ul><li data-block-key="bqzzr">До или после отправки денежного перевода компания не сообщила вам:<ul><li data-block-key="77b8l">валютный курс (если он применяется)</li><li data-block-key="mzc4k">размеры определенных взносов</li><li data-block-key="8njo8">общую сумму, которая, как ожидается, будет получена</li></ul></li><li data-block-key="2afkw">Валютный курс, взносы или общая сумма неправильно указаны в квитанции.</li><li data-block-key="1o5s6">Получатель не мог получить деньги в обещанный срок.</li><li data-block-key="5yz6t">С вас взяли неверную сумму.</li><li data-block-key="0ruun">Получателю выдали неверную сумму.</li><li data-block-key="cgh7t">Вы считаете, что компания или человек, которым вы отправили деньги, занимается мошенничеством или махинацией.</li></ul>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="tyka8">Если вы считаете, что у вас возникла одна из вышеописанных проблем, или что были нарушены ваши новые федеральные права, <i>немедленно</i> обратитесь в компанию. В некоторых случаях вам могут вернуть деньги или бесплатно отправить перевод повторно. Затем вам следует позвонить нам по телефону <a href="tel:(855) 411-2372">(855) 411-2372</a> и нажать 7, чтобы выбрать русским, и мы свяжемся с компанией.<br/></p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="b61fr">ДО И ПОСЛЕ</h2><p data-block-key="4bhhm">Ниже приводятся примеры сведений, которые большинство компаний обязаны дать вам до и после отправки денежного перевода.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">До оплаты</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="0r2h2">До отправки денег вы должны знать:</p><ul><li data-block-key="r9ri1">Сумму, которую вы должны будете заплатить.</li><li data-block-key="26hj8">Валютный курс, если он применяется.</li><li data-block-key="xtd97">Общую сумму, которая будет выдана получателю (т.е. сумму, которая, как ожидается, будет получена).</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">После оплаты</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="5yae6">После отправки денег вы должны знать:</p><ul><li data-block-key="zwsfx">Когда деньги могут быть получены</li><li data-block-key="kgzkf">Что нужно делать в случае ошибки</li><li data-block-key="7tqsj">Как подать жалобу</li><li data-block-key="qlzbu">Валютный курс, если он применим.</li><li data-block-key="7af9r">Общую сумму, которая будет выдана получателю (т.е. сумму, которая, как ожидается, будет получена).</li><li data-block-key="ld1e1">Инструкции о вашем праве на отмену перевода</li><li data-block-key="osdz8">Как подать жалобу, включая информацию о том, как связаться с CFPB и, в некоторых случаях, регулятивным органом штата.</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="28uos">СРАВНЕНИЕ РАСЦЕНОК</h2><p data-block-key="fle9z">Мы хотим, чтобы у вас была вся необходимая информация для того, чтобы выбрать наиболее подходящую для вас компанию.</p><p data-block-key="6ez4t">До того как вы отправите денежный перевод, компании должны предоставить вам информацию о валютном курсе (если он применяется), налогах, взимаемых поставщиком услуг, определенных сборах и сумме, которая будет выдана получателю. На этом этапе вы можете принять решение не отправлять перевод. Вы можете использовать эту информацию для сравнения сумм, которые будут выданы, для любого количества компаний. Это поможет вам убедиться в том, что вы выбрали наилучшую компанию для себя и своей семьи.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
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diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/tl/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/tl/index.html
new file mode 100644
index 000000000000..d1792256cd0a
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/tl/index.html
@@ -0,0 +1,1574 @@
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+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Search</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Search</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children o-mega-menu_content-link__current o-mega-menu_content-1-link__current" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+                Data &amp; Research Overview
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Reports
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+       >
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+       >
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+       >
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+       >
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+    >
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
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+                    ">
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+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/consumer-tools/sending-money/">
+                    Sending Money
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            "
+     aria-label="Section navigation">
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
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+                   o-secondary-nav_list__parents">
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
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+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/zh/>
+    中文
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+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/vi/>
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ru/>
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ko/>
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ar/>
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+<h1>Pagpapadala ng pera sa ibang bansa</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/zh/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/vi/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ko/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/consumer-tools/sending-money/ru/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ar/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="kj2ob">Nagpadala ka ba ng pera sa pamilya, mga kaibigan, o sa iba pa sa ibang bansa? Nagpaplano ka bang magpadala ng pera sa ibang bansa?<br/></p>
+    </div>
+    <p data-block-key="8t2rp">Kami ang CFPB, isang bagong ahensiyang pederal na pamahalaan, na pumoprotekta sa mga mamimili at tinitiyak na gumagana ang mga produkto at serbisyo sa pananalapi sa lahat ng nasa U.S.–kasama ang kapag nagpapadala ka ng pera sa ibang bansa. Nais namin na magkaroon ka ng impormasyon na kailangan mo para gumawa ng pinakamagandang desisyon sa pananalapi para sa iyo at sa iyong pamilya.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="e0rpf"><b>Kung sa palagay mo mayroon kang problema, tawagan kami sa:</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a> <b>at pindutin ang 6.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="xiiso">ANG IYONG MGA KARAPATAN</h2><p data-block-key="n5iko">Kapag nagpapadala ka ng pera sa ibang bansa, sa karamihang mga kaso mayroon kang mga bagong pederal na karapatan para protektahan ka, kasama ang karapatan mong:</p><ul><li data-block-key="oazg5">Ihatid ang pera sa tamang tao o negosyo.</li><li data-block-key="gi4t5">Bago ka magbayad, at pagkatapos ng pagpapadala, makatanggap ng impormasyon tungkol sa:<ul><li data-block-key="0eosr">halaga ng palitan ng pera (kung mayroon)</li><li data-block-key="hvruk">mga partikular na singil</li><li data-block-key="rkmq4">mga buwis</li><li data-block-key="b8znt">matatanggap na halaga</li></ul></li><li data-block-key="jj7sx">Kanselahin ang pagpapadala, karaniwan sa loob ng 30 minuto pagkatapos itong ipinadala, nang walang babayaran.</li><li data-block-key="lp2kx">Mag-ulat ng problema sa kumpanya sa loob ng 180 araw at ipasiyasat ito. Kailangan suriin ng kumpanya ang problema sa loob ng 90 araw at iulat sa iyo ang kinalabasan.<ul><li data-block-key="5u481">Sa ilang mga kaso, maaari kang makakuha ng refund o ipadala muli ang ipinadala.</li></ul></li><li data-block-key="1q50b">Makipag-ugnayan sa CFPB kung mayroon kang problema sa pagpapadala ng pera.</li></ul>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <h2 data-block-key="x3osp">Mga karaniwang problema na inuulat sa CFPB</h2><ul><li data-block-key="kg7if">Bago, o pagkatapos mong magpadala ng pera, hindi ka binigyan ng kumpanya ng:<ul><li data-block-key="wj3kx">Halaga ng palitan ng pera (kung mayroon)</li><li data-block-key="0dduo">Mga partikular na singil</li><li data-block-key="dnakx">Kabuuan ng inaasahang ihahatid</li></ul></li><li data-block-key="7hq2a">Mali ang halaga ng palitan ng pera, mga singil, o ang kabuuan para sa tatanggap na nakalista sa resibo.</li><li data-block-key="136z6">Hindi makuha ng tatanggap ang pera sa ipinangakong petsa.</li><li data-block-key="rwr4u">Mali ang sinigil na halaga sa iyo.</li><li data-block-key="4w61m">Mali ang natanggap na halaga ng tao.</li><li data-block-key="ycmu1">Naniniwala ka na ang kumpanya o ang taong pinadalhan mo ng pera ay gumawa ng pandaraya o isang panloloko.</li></ul>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="9vh7b">Kung sa palagay mo nagkaroon ka ng problemang inilarawan dito o na nilabag ang iyong mga bagong karapatang pederal, makipag-ugnayan <i>kaagad</i> sa kumpanya. Sa ilang mga kaso, maaari kang makatanggap ng refund o ipadala muli ang ipinadala nang walang dagdag na gastos.  Kasunod, tawagan kami sa <a href="tel:(855) 411-2372">(855) 411-2372</a> at pindutin ang 6 para sa Tagalogat ipa-follow up namin ito sa kumpanya.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="y2y0e">BAGO AT PAGKATAPOS</h2><p data-block-key="3ai5i">Narito ang mga halimbawa ng impormasyon na kailangan ibigay sa iyo ng karamihan sa mga kumpanya bago at pagkatapos mong magpadala ng pera.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="bago-ka-magbayad">Bago ka magbayad</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="12h3s">Bago ka magpadala ng pera, makikita mo ang:</p><ul><li data-block-key="l4lf5">Halagang bayaran nyo.</li><li data-block-key="3c75z">Halagang palitan ng pera, kung mayroon.</li><li data-block-key="716jg">Kabuuan para sa Tatanggap (iyon ay, ang inaasahang darating na halaga).</li></ul>
+    </div>
+</div>
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+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
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+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="pagkatapos-mong-magbayad">Pagkatapos mong magbayad</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="ruoca">Pagkatapos mong magpadala ng pera, makikita mo:</p><ul><li data-block-key="0nyxm">Kung kailan makukuha ang pera.</li><li data-block-key="9cxxi">Kung ano ang gagawin sakaling may mali</li><li data-block-key="45zpk">Kung paano magsusumite ng reklamo.</li><li data-block-key="1ofkg">Ang halaga ng palitan ng pera, kung mayroon.</li><li data-block-key="2uwjz">Ang kabuuan para sa tatanggap (iyon ay, ang inaasahang darating na halaga).</li><li data-block-key="jflzc">Mga tagubilin sa iyong karapatan na kanselahin ang mga pagpapadala.</li><li data-block-key="dmrxd">Paano magsusumite ng reklamo, kasama ang impormasyon para makipag-ugnayan sa CFPB at, sa ilang mga kaso, sa isang tagapamahala sa estado.</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="6dfbo">IKUMPARA ANG HALAGA</h2><p data-block-key="5xwxw">Nais naming nasa iyo ang lahat ng impormasyon na kailangan mo para magdesisyon kung aling kumpanya ang pinakamabuti para sa iyo.</p><p data-block-key="u18dh">Bago magpadala ng pera, kailangan bigyan ka ng mga kumpanya ng impormasyon tungkol sa halaga ng palitan ng pera (kung mayroon), ang mga buwis na kinokolekta ng tagapagkaloob ng serbisyo, mga partikular na singil, at ang halagang matatanggap ng tatanggap. Sa sandaling iyon, maaari mong piliin na huwag magpadala. Maaari mong gamitin ang impormasyon para ikumpara ang halagang natanggap mula sa kasing raming kumpanya na gugustuhin mo. Makakatulong ito na matiyak na tamang kumpanya ang pipiliin mo para sa iyo at sa iyong pamilya.</p>
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diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/vi/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/vi/index.html
new file mode 100644
index 000000000000..2691e59768ad
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/vi/index.html
@@ -0,0 +1,1574 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
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+    <meta charset="utf-8">
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+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            Tìm kiếm
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">Tìm kiếm</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">Đóng</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Tìm kiếm</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Tìm kiếm</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children o-mega-menu_content-link__current o-mega-menu_content-1-link__current" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link o-mega-menu_content-link__current o-mega-menu_content-2-link__current"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
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+<div aria-level="2" role="heading">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Notices and Opportunities to Comment
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+                >
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+    >
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+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+    >
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+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
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+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Recent Updates
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+    >
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+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
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+            </ul>
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+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
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+                            العربية
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+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+    <main class="u-layout-grid u-layout-grid__1-3
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+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/consumer-tools/sending-money/">
+                    Sending Money
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            "
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
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+            Điều hướng phần này
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/zh/>
+    中文
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/tl/>
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ru/>
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ko/>
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ar/>
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+<h1>Gửi tiền đến một quốc gia khác</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/zh/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/consumer-tools/sending-money/ko/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/tl/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ru/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ar/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="datv0">Quý vị đã bao giờ gửi tiền cho gia đình, bạn bè, hoặc người thân ở một quốc gia khác chưa?  Quý vị có dự định gửi tiền ra nước ngoài không?</p>
+    </div>
+    <p data-block-key="bn4r6">Chúng tôi là CFPB, một cơ quan mới của chính phủ Liên bang, có nhiệm vụ bảo vệ người tiêu dùng và bảo đảm sự hiệu quả của các sản phẩm và dịch vụ tài chánh cho mọi người ở Hoa Kỳ – ngay cả khi quý vị gửi tiền ra nước ngoài. Chúng tôi muốn quý vị có được những thông tin cần thiết để quyết định tốt nhất cho tài chánh của quý vị và gia đình.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="l3i2k"><b>Nếu quý vị nghĩ rằng quý vị có gặp vấn đề gì, xin hãy gọi cho chúng tôi:</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b> và bấm 4.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="lrdsb">QUYỀN LỢI CỦA QUÝ VỊ</h2><p data-block-key="qmrov">Trong hầu hết các trường hợp, khi quý vị gửi tiền đến một quốc gia khác, luật Liên bang mới sẽ bảo vệ quý vị, quyền lợi của quý vị được bao gồm:</p><ul><li data-block-key="echah">Số tiền đó được giao đến đúng người nhận hoặc các doanh nghiệp.</li><li data-block-key="k8fe5">Trước khi quý vị trả tiền, và sau khi tiền đã chuyển, sẽ được  biết thông tin về:</li><li data-block-key="xzcx8">Hủy bỏ một cuộc chuyển tiền, trong vòng 30 phút sau khi gửi, sẽ không bị tính lệ phí.</li><li data-block-key="y9jjj">Nên báo cho công ty biết về những nhầm lẫn trong vòng 180 ngày, để họ điều tra vụ việc.  Công ty sẽ phải kiểm tra vấn đề đó trong vòng 90 ngày, và thông báo kết quả cho quý vị.</li><li data-block-key="7z1u0">Hãy liên lạc CFPB nếu quý vị gặp vấn đề khi gửi tiền.</li></ul>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <h2 data-block-key="5j916">Những vấn đề thường được báo cáo cho CFPB</h2><ul><li data-block-key="ycews">Trước khi, hoặc sau khi quý vị gửi tiền, công ty đã không cho quý vị biết về:</li><li data-block-key="c4qtt">Tỷ giá hối đoái, lệ phí, hoặc tổng số tiền gửi ghi trong giấy biên nhận không đúng.</li><li data-block-key="5h59t">Người nhận không lấy được tiền theo ngày đã hứa.</li><li data-block-key="vmusy">Quý vị bị tính tiền sai</li><li data-block-key="x8oyq">Người bên kia nhận sai số tiền.</li><li data-block-key="7vywv">Quý vị tin rằng công ty hoặc người mà quý vị gửi tiền đến đã gian lận hoặc lừa gạt.</li></ul>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="gkmic">Nếu quý vị nghĩ rằng mình đã gặp một trong những vấn đề được mô tả trên đây, hoặc bị xâm phạm về những quyền lợi mới do Liên bang quy định, thì xin hãy liên lạc <i>lập tức</i> với công ty. Những trường hợp đó, quý vị có thể được hoàn trả tiền hoặc gửi tiền lại mà không cần trả thêm lệ phí nào. Tiếp theo, hãy gọi cho chúng tôi ở số <a href="tel:(855) 411-2372">(855) 411-2372</a> và bấm 4 để nói Tiếng Việt và chúng tôi sẽ liên lạc với công ty để theo dõi sự việc.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="nvyuj">TRƯỚC KHI VÀ SAU KHI</h2><p data-block-key="5vd0f">Đây là những ví dụ về loại thông tin mà các công ty bắt buộc phải cho quý vị biết trước khi và sau khi gửi tiền.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="truoc-khi-tra-tien">Trước khi trả tiền</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="6x1hc">Trước khi gửi tiền, quý vị sẽ thấy:</p><ul><li data-block-key="v321x">Số tiền quý vị đã trả</li><li data-block-key="lvz1l">Tỷ giá hối đoái (nếu có)</li><li data-block-key="n2cc7">Tổng số tiền cho Người Nhận (ví dụ, số tiền sẽ được giao)</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="sau-khi-tra-tien">Sau khi trả tiền</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="ckgj2">Sau khi gửi tiền, quý vị sẽ biết:</p><ul><li data-block-key="68thk">Khi nào người bên kia có thể nhận được tiền</li><li data-block-key="o7xpl">Cần phải làm gì khi xảy ra trường hợp sai sót</li><li data-block-key="em4ol">Cách thức gửi đơn khiếu nại.</li><li data-block-key="7fv8v">Tỷ giá hối đoái (nếu có).</li><li data-block-key="pry4t">Tổng số tiền cho Người Nhận (ví dụ, số tiền sẽ được giao).</li><li data-block-key="68qcq">Hướng dẫn về quyền được hủy bỏ cuộc chuyển tiền</li><li data-block-key="nqrk8">Cách thức nộp đơn khiếu nại, bao gồm thông tin liên lạc CFPB và, trong vài trường hợp, cách liên lạc cơ quan giám sát của Tiểu bang.</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="uqfl5">SO SÁNH GIÁ</h2><p data-block-key="nzlwp">Chúng tôi muốn quý vị có được tất cả những thông tin cần thiết để quyết định công ty nào là tốt nhất cho quý vị.</p><p data-block-key="rfi6u">Trước khi gởi tiền, các công ty phải cho quý vị biết về tỷ giá hối đoái (nếu có), mức thuế được thu bởi nhà cung cấp dịch vụ, các lệ phí nhất định, và số tiền mà người nhận sẽ nhận được.  Vào thởi điểm này, quý vị có thể quyết định không gửi tiền.  Quý vị có thể dùng thông tin này để so sánh số tiền nhận được tại bất cứ công ty nào mà quý vị muốn.  Điều này sẽ bảo đảm là quý vị chọn đúng công ty cho quý vị và gia đình.</p><h3 data-block-key="hvl6w">Các thông tin bổ sung</h3><p data-block-key="6smcy">Để biết thêm thông tin về cách gửi tiền và quý vị được bảo vệ như thế nào, hãy xem  các câu trả lời cho những câu hỏi thường gặp sau đây:</p><ul><li data-block-key="7zyho">Chuyển gửi tiền là gì?</li><li data-block-key="uwqzp">Những phương pháp bảo vệ mới từ liên bang cho người tiêu dùng khi gửi tiền ra quốc tế là gì?</li><li data-block-key="lo3fh">Khi tôi gửi tiền ra nước ngoài, thì tôi có thể biết tiền phí và tỷ giá hối đoái bằng ngôn ngữ của tôi không?</li></ul><p data-block-key="utyxe">Hãy xem danh sách các câu trả lời đầy đủ cho những câu hỏi thường gặp khi gửi tiền.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <p data-block-key="l16os"><b>Nếu quý vị nghĩ rằng mình đang gặp vấn đề gì, xin hãy gọi cho chúng tôi:</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a> <b>và bấm 4.</b></p>
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diff --git a/www.consumerfinance.gov/consumer-tools/sending-money/zh/index.html b/www.consumerfinance.gov/consumer-tools/sending-money/zh/index.html
new file mode 100644
index 000000000000..887371445aac
--- /dev/null
+++ b/www.consumerfinance.gov/consumer-tools/sending-money/zh/index.html
@@ -0,0 +1,1574 @@
+<!DOCTYPE html>
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+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    </ul>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+                aria-label="Enforcement"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+       >
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+    >
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+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
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+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
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+                            Tiếng Việt
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+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
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+                            العربية
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+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/consumer-tools/sending-money/">
+                    Sending Money
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            "
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            瀏覽本部分
+        </span>
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+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/consumer-tools/sending-money/>
+    Sending Money
+</a>
+<ul class="o-secondary-nav_list
+                           o-secondary-nav_list__children"><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/es/>
+    Español
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__current"
+   >
+    中文
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/vi/>
+    Tiếng Việt
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/tl/>
+    Tagalog
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ru/>
+    Pусский
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ht/>
+    Kreyòl Ayisyen
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ko/>
+    한국어
+</a>
+                    </li><li>
+<a class="o-secondary-nav_link
+          "
+   href=/consumer-tools/sending-money/ar/>
+    إرسال النقود إلى دولة أخرى:
+</a>
+                    </li>
+                </ul></li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+<h1>匯錢到另一個國家</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/consumer-tools/sending-money/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/es/"
+                lang="es"
+                hreflang="es"
+                translate="no">Español
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/consumer-tools/sending-money/vi/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ko/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/tl/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ru/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ar/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/consumer-tools/sending-money/ht/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="jalbe">您是否曾匯錢給住在另一個國家的親友或他人？您是否打算匯錢到國外</p>
+    </div>
+    <p data-block-key="5jxpd">我們是消費者金融保護局（CFPB），是一個新成立的聯邦政府機構。我們保護消費者，確保金融產品及服務爲美國所有的人服務，包括在您匯錢到其他國家時。我們希望您得到所需的資訊，能爲自己及您的家庭作出最好的財務決定。</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-well">
+        <p data-block-key="xp10t"><b>如果您認為您遇到了問題，請打電話給我們。號碼是：</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b> 然後請按 3.</b></p>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="ny85x">您的權利</h2><p data-block-key="8phkr">在您匯錢去其他國家時，在大多數的情形下您受新的聯邦法律所規定的權利的保護，包括您的這些權利：</p><ul><li data-block-key="4fq9n">讓錢匯給正確的收款人或公司。</li><li data-block-key="i9ib0">在您付錢之前，及匯款完成之後，獲得關於下列方面的資訊：</li><li data-block-key="vy0iw">通常在匯款後三十分鐘內無償取消匯款交易</li><li data-block-key="e3m17">在180天內把問題報告給匯款公司，請他們調查。該公司必須在90內調查這個問題並且將調查結果報告給您。</li><li data-block-key="8i41b">如果您匯款中遇到問題請与CFPB聯絡。</li></ul>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <h3 data-block-key="l06jg">向CFPB報告的常見問題</h3><ul><li data-block-key="9xisp">公司在匯款之前或之後沒有告訴您：<ul><li data-block-key="s1uo6">匯率（如有）</li><li data-block-key="xvwk9">某些費用</li><li data-block-key="5g8uo">預計會收到的總數</li></ul></li><li data-block-key="dy0ef">收據上列出的匯率、費用或收款人收到的總數不對。</li><li data-block-key="bqaw4">收款人在承諾的那一天拿不到錢。</li><li data-block-key="pu0mw">您被收取的費用不對。</li><li data-block-key="egzo8">收款人拿到的金額不對。</li><li data-block-key="ror8x">您認為您匯錢過去的對方收款人或公司有欺詐或詐騙行為。</li></ul>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="nzmok">如果您認為您遇到了上述的問題或您根據新的聯邦法律而擁有的權利被侵犯，請<i>立刻</i>聯絡那個匯款公司。在有些情形下，您可能可以獲得退款或可以無償重新匯款。接下來，請您打電話到 <a href="#(855) 411-2372">(855) 411-2372</a> 給我們，按 3 來以中文進行溝通。我們會與那個匯款公司進行後續溝通和追蹤。<br/></p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="ssb88">匯款前後</h2><p data-block-key="wveja">這些是大部分的公司在您匯款前或匯款後必須向您提供的資訊的一些例子。</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/before_receipt.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">在您付款前</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="4d1lm">在匯款前，您可以看到：</p><ul><li data-block-key="uyubp">您一共要付多少錢。</li><li data-block-key="6qpdu">匯率（如有）。</li><li data-block-key="j8snq">收款人一共會收到的金額（即：預計可拿到手的金額）。</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l content-l__top-divider">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <img class="m-info-unit_image"
+            src="https://files.consumerfinance.gov/f/images/after_receipt.original.original.png"
+            alt=""><div class="m-info-unit_content">
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="">付款後</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="3zec4">在匯款後，您可以看到：</p><ul><li data-block-key="iiktb">錢什麼時候可以用</li><li data-block-key="ddoop">如果發生錯誤該怎麼做</li><li data-block-key="d578o">如何提出投訴</li><li data-block-key="wo0pr">匯率（如有）</li><li data-block-key="cob3j">收款人一共會收到的金額（即：預計會拿到手的金額）</li><li data-block-key="3ptar">關於您取消匯款的權利的說明</li><li data-block-key="95zkf">如何提出投訴，包括如何聯絡CFPB（消費者金融保護局），以及在某些情形下，如何聯絡州監管機構。</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="rsksh">比較價格</h2><p data-block-key="v7epx">我們希望您擁有所有需要的資訊來決定哪一個公司最適合您。</p><p data-block-key="mzlyk">在匯款前，公司必須提供關於匯率（如有）、由服務提供商收取的稅金、某些費用、以及收款人會拿到手的金額這些方面的資訊。在這個時候，您可以選擇不要進行匯款。您可以用所獲得的資訊來比較會收到的金額，且您想貨比多少家都可以。這會幫助您選擇適合您及您的家庭的公司。</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-well">
+        <p data-block-key="eefwb">如果您認為您遇到了問題，請打電話給我們。號碼是： <a href="tel:(855) 411-2372">(855) 411-2372</a> 然後請按 3.</p>
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diff --git a/www.consumerfinance.gov/data-research/research-reports/index.html b/www.consumerfinance.gov/data-research/research-reports/index.html
index aaf8534229ee..b2bac0807c31 100644
--- a/www.consumerfinance.gov/data-research/research-reports/index.html
+++ b/www.consumerfinance.gov/data-research/research-reports/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small business lending database
+        Small Business Lending Database
     </a>
 </li>
             </ul>
@@ -1140,11 +1140,11 @@
         </div>
     </div>
 </header>
-    <main class="content content__2-1 content__bleedbar"
+    <main class="content content__2-1 content__bleedbar "
           id="main">
-<div class="content_wrapper">
-    <div class="content_main ">
-        <section>
+        <div class="content_wrapper">
+            <div class="content_main ">
+                <section>
    <div class="block block__flush-top">
 <h1>Reports</h1>
     <div class="lead-paragraph">
@@ -2723,9 +2723,9 @@ <h3 class="o-post-preview_title">
             </section>
 </div>
     </div>
-        </section>
-    </div>
-    <aside class="content_sidebar o-sidebar-content">
+                </section>
+            </div>
+            <aside class="content_sidebar o-sidebar-content">
    <div class="block block__flush-top">
 <div class="o-email-signup">
     <header class="m-slug-header">
@@ -2929,8 +2929,8 @@ <h3 class="h4 u-mb5">
     </a>
 </div>
             </div>
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-</div>
+            </aside>
+        </div>
     </main>
 <footer class="o-footer">
     <div class="wrapper wrapper__match-content">
diff --git a/www.consumerfinance.gov/enforcement/investigatory-authority/index.html b/www.consumerfinance.gov/enforcement/investigatory-authority/index.html
index ef532327b875..c004d61944ea 100644
--- a/www.consumerfinance.gov/enforcement/investigatory-authority/index.html
+++ b/www.consumerfinance.gov/enforcement/investigatory-authority/index.html
@@ -880,7 +880,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small Business Lending Database
+        Small business lending database
     </a>
 </li>
             </ul>
diff --git a/www.consumerfinance.gov/enforcement/warning-letters/index.html b/www.consumerfinance.gov/enforcement/warning-letters/index.html
index fd3a707dc477..1e896be652a1 100644
--- a/www.consumerfinance.gov/enforcement/warning-letters/index.html
+++ b/www.consumerfinance.gov/enforcement/warning-letters/index.html
@@ -880,7 +880,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small business lending database
+        Small Business Lending Database
     </a>
 </li>
             </ul>
diff --git a/www.consumerfinance.gov/index.html b/www.consumerfinance.gov/index.html
index 767513b2fd2b..f3b46eb3352f 100644
--- a/www.consumerfinance.gov/index.html
+++ b/www.consumerfinance.gov/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small business lending database
+        Small Business Lending Database
     </a>
 </li>
             </ul>
@@ -1246,9 +1246,9 @@ <h2 class="h3">Submit a complaint about a financial product or service</h2>
             </div>
         </section>
     </section>
-<div class="content_wrapper">
-    <div class="content_main content_main__flush-inner">
-        <section class="content_main-inner">
+        <div class="content_wrapper">
+            <div class="content_main content_main__flush-inner">
+                <section class="content_main-inner">
     <section class="block u-text-centered">
         <h2 class="h1">Find answers to your money questions</h2>
     </section>
@@ -1398,9 +1398,9 @@ <h2 class="h1">Get help planning for future goals</h2>
 </div>
         </section>
     </section>
-        </section>
-    </div>
-</div>
+                </section>
+            </div>
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     </main>
 <footer class="o-footer">
     <div class="wrapper wrapper__match-content">
diff --git a/www.consumerfinance.gov/language/ar/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/ar/act-fast-if-you-cant-pay-your-credit-cards/index.html
new file mode 100644
index 000000000000..eb875c6c8495
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -0,0 +1,1457 @@
+<!DOCTYPE html>
+<html lang="ar" class="no-js">
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+    <meta name="template" content="v1/learn-page/index.html">
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+    <link rel="canonical" href="https://www.consumerfinance.gov/language/ar/act-fast-if-you-cant-pay-your-credit-cards/">
+    <meta property="og:title" content="تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك | Consumer Financial Protection Bureau">
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+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">بحث</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">بحث</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Final Rules
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
+    </a>
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+            </ul>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__2-1"
+          id="main"
+           dir="rtl" >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <div class="u-layout-grid_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Act fast if you can’t pay your credit cards (in Arabic)</div>
+<h1>تصرف بسرعة إذا كنت لا تستطيع دفع بطاقات الائتمان الخاصة بك</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">تصرف على الفور واتصل بشركة بطاقتك الائتمانية إذا كنت تعتقد أنك غير قادر على دفع المبلغ الأدنى ببطاقتك الائتمانية.</p>
+    </div>
+    <p data-block-key="6l3co">قد يكون العديد من شركات بطاقات الائتمان على استعداد للمساعدة إذا كنت تواجه حالة مالية طارئة.وليس من الضروري أن تكون متخلفا عن سداد مدفوعاتك لطلب المساعدة!</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">لا تتجاهل المشكلة</h2><p data-block-key="9iq54">فإن ذلك قد يسبب لك فقط مشاكل أكبر، مثل:</p><ul><li data-block-key="1c6jq">معدلات فائدة أعلى</li><li data-block-key="b1c0g">ارتفاع الحد الأدنى للمدفوعات</li><li data-block-key="62lfp">فقدان امتيازات الشراء على البطاقة الخاصة بك</li><li data-block-key="b8684">دفع رسوم تأخير</li><li data-block-key="55mi1">الإضرار بدرجاتك الائتمانية</li></ul><h2 data-block-key="3cre1">إليك ما يجب فعله</h2><h3 data-block-key="a1k7d">1. احسب دخلك ونفقاتك</h3><p data-block-key="7j3bq">ابحث عن طرق لخفض التكاليف. إذا لم تجد ما يكفي لدفع الحد الأدنى، فقرر ما هو المبلغ الذي يمكنك دفعه.</p><h3 data-block-key="fml2e">2. اتصل بشركة بطاقتك الائتمانيةتأكد من شرح وضعك بوضوح:</h3><ul><li data-block-key="6nghj">لماذا لا يمكنك دفع الحد الأدنى</li><li data-block-key="22sjh">كم يمكنك أن تدفع</li><li data-block-key="f26oj">متى يمكنك معاودة مدفوعاتك العادية</li></ul><h3 data-block-key="7npsv">3. ضع في اعتبارك الاستشارة الائتمانية</h3><p data-block-key="2ntab">إذا كنت بحاجة إلى المزيد من المساعدة، فيمكن لمنظمات الاستشارات الائتمانية غير الربحية أن تعلمك المزيد حول التعامل مع أموالك.</p><p data-block-key="9k687">قبل التسجيل للحصول على استشارات ائتمانية، اسأل عما إذا كان سيتم محاسبتك وما هي الخدمات التي سيتم تقديمها. وتأكد من أن مستشار الائتمان الخاص بك يأخذ الوقت الكافي للتعرف على وضعك المالي، ويعرض عليك مساعدتك في معرفة كيف يمكنك تحسينه.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="53x1t">لا توجد حلول سهلة</h2><p data-block-key="7qakl">تصرح بعض شركات تخفيف أعباء الديون الهادفة للربح إنها تستطيع مساعدتك في سداد ديونك "مقابل مبلغ ضيئل لا يضاهى". لكن في كثير من الأحيان، هذه الوعود غير معقولة ولا يتم الوفاء بها. فاحترس من أي منظمة لتخفيف الديون التي:</p><ul><li data-block-key="b8nod">تطالب برسوم قبل قيامها بتسوية ديونك</li><li data-block-key="cgpuq">تضمن أنها يمكنها التخلص من ديونك</li><li data-block-key="9sqdn">تطلب منك التوقف عن التواصل مع المقرضين أو شركات بطاقات الائتمان</li><li data-block-key="du0jh">تطلب منك التوقف عن سداد مدفوعات بطاقة ائتمان أو قرض</li></ul>
+</div>
+            </div>
+</div>
+   </div>
+        </div>
+        <aside class="u-layout-grid_sidebar">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            ابق على إطلاع
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="e8asu">اشترك للحصول على معلومات لمساعدة المجتمعات متعددة اللغات</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                عنوان البريد الإلكترون
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">التسجيل</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                انظر بيان قانون الخصوصية
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+        </aside>
+        </div>
+    </main>
+<footer class="o-footer">
+    <div class="wrapper wrapper__match-content">
+        <div class="o-footer_pre">
+            <a class="a-btn a-btn__secondary o-footer_top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#">
+                Back to top <svg class="cf-icon-svg cf-icon-svg__arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.029 1.029 0 0 1 0 1.456z"></path></svg>
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diff --git a/www.consumerfinance.gov/language/ar/auto-loan-key-terms/index.html b/www.consumerfinance.gov/language/ar/auto-loan-key-terms/index.html
new file mode 100644
index 000000000000..c951f6ff9c7e
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/auto-loan-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">بحث</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
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+                Rules &amp; Policy Overview
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Final Rules
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
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+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    >
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+       >
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+       >
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+    >
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+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
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+<div class="o-mega-menu_content o-mega-menu_content-2"
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
+    </button>
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+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
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+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+           dir="rtl" >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            انتقل إلى هذا القسم
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/bank-accounts-key-terms/>
+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-card-key-terms/>
+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-reports-and-scores-key-terms/>
+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/debt-collection-key-terms/>
+    المصطلحات الرئيسية لتحصيل الديون
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/fraud-key-terms/>
+    المصطلحات الرئيسية لعمليات الاحتيال والغش
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/mortgages-key-terms/>
+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto loan key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية لقروض السيارات</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/auto-loans-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/auto-loans-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/auto-loans-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/auto-loan-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/auto-loan-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/auto-loans-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/auto-loan-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>القيمة النقدية الفعلية (Actual Cash Value (ACV))</b></h2><p data-block-key="5jc6c">القيمة النقدية الفعلية (ACV) هي قيمة السيارة وفقاً لمصادر مستقلة معترف بها على نطاق واسع مثل <a class="a-link a-link__icon" data-pretty-href="https://www.jdpower.com/cars" href="/external-site/?ext_url=https%3A%2F%2Fwww.jdpower.com%2Fcars&amp;signature=7BAezGinrZvadPEhCTc3_2Kfjq__yPo8aSgnPCD9DP4"><span class="a-link_text">الجمعية الوطنية لتجار السيارات (National Automobile Dealers Association)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> أو <a class="a-link a-link__icon" data-pretty-href="https://www.kbb.com/" href="/external-site/?ext_url=https%3A%2F%2Fwww.kbb.com%2F&amp;signature=2bCu3ZInSoTikSQ9HXVUzPyoFPeX43MV2cnDGtMuwpo"><span class="a-link_text">كتاب كيلي الأزرق (Kelley Blue Book)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.</p><p data-block-key="2887o"><a>اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>استهلاك الدين</b> (<b>Amortization)</b></h2><p data-block-key="3vqvr">يصف الاستهلاك عملية السداد التدريجي لقرض السيارة الخاص بك. في استهلاك الدين، لكل دفعة من دفعاتك الشهرية، يتم تسديد جزء على مبلغ القرض – <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">المبلغ الأصلي</a> – ويتم تسديد جزء من الدفعة لدفع رسوم التمويل – الفائدة.</p><p data-block-key="1m966"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>معدل الفائدة السنوية المئوية (Annual Percentage Rate (APR))</b></h2><p data-block-key="bmrec">معدل الفائدة السنوية المئوية (APR) هو التكلفة التي تدفعها كل سنة لاقتراض المال، بما في ذلك الرسوم، معبراً عنها كنسبة مئوية. إن معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع للتكلفة التي تتكبدها عند اقتراض المال، حيث أنه لا يعكس سعر الفائدة فحسب، بل أيضاً الرسوم التي يتعين عليك دفعها للحصول على القرض. كلما ارتفع معدل الفائدة السنوية المئوية (APR)، كلما دفعت أكثر على مدى عمر القرض.</p><p data-block-key="9p9fi">إن معدل الفائدة السنوية المئوية (APR) لقرض السيارات و<a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">سعر الفائدة</a> من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>المُحال إليه</b> (<b>Assignee)</b></h2><p data-block-key="kpu6">المُحال إليه هو شخص أو شركة يشتري قرض السيارة الخاص بك. على سبيل المثال، يجوز لتاجر السيارات الذي يقدم الائتمان لك بيع قرضك إلى أحد البنوك، مما يجعل البنك هو المُحال إليه. أنت مدين بالأموال لمن اشترى قرضك. فالمُحال إليه له حق في سيارتك، ويمكن أن يستحوذ عليها إذا لم تدفع.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>السعر الأساسي</b> (<b>Base price)</b></h2><p data-block-key="7s9l4">السعر الأساسي هو سعر السيارة بدون كماليات.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>سعر الشراء</b> (<b>Buy rate)</b></h2><p data-block-key="68fh3">سعر الشراء هو سعر الفائدة الذي يعطيه المُقرض المحتمل إلى الوكيل عندما تتقدم بطلب <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">للحصول على التمويل الذي يتم ترتيبه من قِبل الوكيل.</a></p><p data-block-key="1joj4"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>المُوقّع المشترك</b> (<b>Co-signer)</b></h2><p data-block-key="rjpi">المُوقّع المشارك هو شخص، مثل الوالد(ة) أو أحد أفراد العائلة المقربين أو صديق، يتعهد بدفع القرض إذا لم تقم أنت بدفعه. يُمكن أن يكون هذا مفيداً لك وللمُقرض. يتحمل المُوقّع المشارك كامل المسؤولية عن سداد القرض. إن وجود مُوقّع مشارك على قرضك يمنح مُقرضك ضمان إضافي بأن القرض سيتم سداده. إذا لم تسدد القرض، فسيكون المُوقّع المشارك مسؤولاً عن السداد حتى إذا لم يقم المُوقّع أبداً بقيادة السيارة. إذا طلب منك المشاركة في التوقيع على قرض، فينبغي عليك التفكير <a class="" data-pretty-href="cfpb.gov/askcfpb/813" href="/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/">في كيفية تأثيره على أموالك</a>.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>التأمين على الائتمان</b> (<b>Credit insurance)</b></h2><p data-block-key="aglr1">التأمين على الائتمان هو تأمين اختياري قد يقوم بسداد مدفوعاتك التلقائية للمُقرض الخاص بك في مواقف معينة، مثل حالة وفاتك أو إصابتك بإعاقة.  إذا كنت تفكر في الحصول على <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">التأمين على الائتمان</a>، فتأكد من أنك تفهم شروط البوليصة التي تُعرض عليك. إذا قررت أنك بحاجة إلى تأمين، فقد تكون هناك طرق أرخص للحصول على التغطية من شراء التأمين على الائتمان وإضافته إلى قرض السيارة الخاص بك. على سبيل المثال، قد يكون التأمين على الحياة أقل تكلفة من التأمين على الائتمان ويسمح لعائلتك بدفع النفقات الأخرى بالإضافة إلى قرضك الخاص بالسيارة.<br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>منتجات إلغاء الدين أو تعليقه</b> <b>(Debt cancellation or suspension products)</b></h2><p data-block-key="b85ge">يقدم بعض تجار السيارات وكذلك البنوك والاتحادات الائتمانية منتجات "إلغاء الدين" و "تعليق الدين" أو التأمين تحت أسماء مختلفة. وهذه المنتجات مماثلة للتأمين على الائتمان من حيث وظيفتها، ولكن الرسوم وغيرها من الميزات قد تكون مختلفة.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>رصيد العجز</b> (<b>Deficiency balance)</b></h2><p data-block-key="dk9oq">إذا تم استرداد السيارة وبيعها، فقد تكون مسؤولاً عن دفع الفرق بين المبلغ المتبقي في القرض (بالإضافة إلى رسوم إعادة الحيازة) وسعر البيع. ويعرف هذا باسم "رصيد العجز".<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>الدفعة المقدمة</b> (<b>Down payment)</b></h2><p data-block-key="bemko">الدفعة المقدمة هي دفعة أولية تسدد مقدماً مقابل التكلفة الإجمالية للسيارة. قد تكون الدفعة المقدمة نقداً أو بقيمة مقايضة سيارتك القديمة أو كليهما. كلما كبرت الدفعة المقدمة، قلت حاجتك للاقتراض. قد تؤدي الدفعة المقدمة الأكبر أيضاً إلى خفض الدفعة الشهرية وإجمالي تكلفة التمويل.<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>الضمان الممتد أو عقد خدمة السيارة</b> <b>(Extended warranty or vehicle service contract)</b></h2><p data-block-key="9goum">يغطي الضمان الممتد أو عقد خدمة السيارة تكاليف بعض أنواع الإصلاحات بالإضافة إلى ضمان الجهة المصنعة أو بعد انتهاءه.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="659hf"></p><h2 data-block-key="8c2ku"><b>قسم الشؤون المالية والتأمين</b> <b>(Finance and insurance department)</b></h2><p data-block-key="ghr2">إذا قمت بشراء سيارة من توكيل بيع السيارات، فقد يحيلك مندوب المبيعات إلى شخص في قسم الشؤون المالية والتمويل (F&I) أو مكتب الأعمال. هذا هو الجزء من التوكيل الذي يقوم بتقديم القروض والإضافات الاختيارية للعملاء بعد أن وافقوا على شراء سيارة لدى الوكيل.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="cbciv"></p><h2 data-block-key="frcam"><b>التمويل بسعر فائدة ثابت</b> (<b>Fixed-rate financing)</b></h2><p data-block-key="ecvb9">يعني التمويل ذو السعر الثابت أن معدل الفائدة على قرضك لا يتغير على مدار فترة القرض. مع السعر الثابت، يمكنك الاطلاع على دفعتك لكل شهر والمبلغ الإجمالي الذي ستدفعه على مدى فترة القرض. قد تفضل التمويل ذي السعر الثابت إذا كنت تبحث عن دفعة قرض لن تتغير. والتمويل ذو السعر الثابت هو أحد أنواع التمويل. وهناك نوع آخر هو <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">التمويل ذو السعر المتغير</a>.<br/><br/></p><hr/><p data-block-key="195ko"></p><h2 data-block-key="c7qnq"><b>التأمين المفروض بالقوة</b> (<b>Force-placed insurance)</b></h2><p data-block-key="1ao32">للحصول على قرض لشراء سيارة، يجب أن يكون لديك تأمين لتغطية السيارة نفسها. إذا فشلت في الحصول على تأمين أو تركت التأمين الخاص بك ينقضي، فعادة ما يمنح العقد للمُقرض الحق في الحصول على تأمين لتغطية السيارة. يسمى هذا التأمين "التأمين المفروض بالقوة".</p><p data-block-key="fl0t3"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">اقرأ المزيد</a><br/><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="1vhou"></p><h2 data-block-key="1civq"><b>التأمين المضمون لحماية السيارة</b> <b>(Guaranteed Auto Protection (GAP) insurance)</b></h2><p data-block-key="cfqn8">يغطي التأمين المضمون لحماية السيارة (GAP) الفرق (أو الفجوة) بين المبلغ الذي تدين به على قرض السيارة وما يدفعه التأمين في حالة سرقة السيارة أو تلفها أو خسارتها بالكامل. لست مضطراً لشراء هذا التأمين، ولكن إذا قررت أنك تريده، فقم بالتسوق للحصول عليه. قد يحدد المقرضون أسعار مختلفة لهذا المنتج.<br/><br/></p><hr/><p data-block-key="a5f2c"></p><h2 data-block-key="43hmu"><b>سعر الفائدة</b> (<b>Interest rate)</b></h2><p data-block-key="bbj9n">سعر الفائدة على قرض السيارة هو التكلفة التي تدفعها كل عام لاقتراض الأموال معبراً عنها كنسبة مئوية. لا يشمل سعر الفائدة الرسوم المفروضة على القرض.</p><p data-block-key="b6lb2">إن معدل (APR) لقروض السيارات وسعر الفائدة من بين أهم مقاييس السعر الذي تدفعه مقابل اقتراض المال. يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) من المقرضين إعطائك إفصاحات محددة حول الشروط المهمة، بما في ذلك معدل الفائدة السنوية المئوية (APR)، قبل أن تكون ملزماً قانوناً بالقرض. نظراً لأنه يجب على جميع المقرضين تقديم معدل الفائدة السنوية المئوية (APR)، يمكنك استخدام معدل الفائدة السنوية المئوية (APR) لمقارنة قروض السيارات. فقط تأكد من أنك تقارن معدلات الفائدة السنوية المئوية (APRs) بمعدلات فائدة سنوية مئوية (APRs) أخرى وليس بأسعار الفائدة.<br/><br/></p><hr/><p data-block-key="53qac"></p><h2 data-block-key="b1fsf"><b>مدة القرض أو أمده</b> (Loan term or duration)</h2><p data-block-key="8hiik">هذه هي مدة قرض السيارة، ويُعبر عنها عموماً بالأشهر. إن مدة القرض الأقصر (التي تسدد فيها دفعات شهرية لأشهر أقل) ستخفض إجمالي تكلفة القرض. يمكن للقرض الأطول أن يخفض دفعتك الشهرية، ولكنك تدفع فائدة أكبر على مدى فترة القرض. كما يعرضك القرض الأطول لخطر حقوق الملكية السلبية، وهو عندما تكون مديناً للسيارة بأكثر من قيمتها الفعلية.<br/><br/></p><hr/><p data-block-key="anct0"></p><h2 data-block-key="78nh8"><b>نسبة القرض إلى القيمة</b> (Loan-to-value ratio)</h2><p data-block-key="du4nb">نسبة القرض إلى القيمة (LTV) هي إجمالي القيمة بالدولار لقرضك مقسومة على القيمة النقدية الفعلية (ACV) لسيارتك. وعادة ما يعبر عنها كنسبة مئوية. تقلل الدفعة المقدمة نسبة القرض إلى القيمة لقرضك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="o56u"></p><h2 data-block-key="389kd"><b>التحكيم الإلزامي المُلزِّم</b> (Mandatory binding arbitration)</h2><p data-block-key="aknh6">من خلال توقيع عقد يتضمن شرط التحكيم الإلزامي المُلزِّم، فإنك توافق على حل أي نزاعات حول العقد أمام مُحكِّم يفصل في النزاع بدلاً من المحكمة. قد توافق أيضاً على التنازل عن حقوق أخرى، مثل قدرتك على استئناف القرار أو الانضمام إلى دعوى قضائية جماعية.</p><p data-block-key="c5lcp"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="4p2fq"></p><h2 data-block-key="ff37r"><b>حوافز الشركة المصنعة</b> (Manufacturer incentives)</h2><p data-block-key="835mb">حوافز الشركة المصنعة عبارة عن صفقات خاصة، مثل التمويل بسعر فائدة 0% أو الحسومات النقدية التي ربما تكون قد شاهدتها معلن عنها للسيارات الجديدة. وغالباً ما يتم تقديمها لموديلات معينة فقط.<br/><a>اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="ee4ra"></p><h2 data-block-key="e2dfu"><b>سعر التجزئة المقترح من الشركة المصنعة (</b>Manufacturer Suggested Retail Price (MSRP))</h2><p data-block-key="86jvl">سعر التجزئة المقترح من الشركة المصنعة (MSRP) هو السعر الذي <b>تقترح</b> شركة تصنيع السيارات - الشركة المصنعة - أن يطلبه الوكيل لبيع السيارة.<br/><a>اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="evcc6"></p><h2 data-block-key="dfr97"><b>حقوق الملكية السلبية</b> (Negative equity)</h2><p data-block-key="crrnn">إذا كنت مديناً على قرض السيارة الحالي الخاص بك بأكثر من قيمة السيارة - يشار إلى ذلك الوضع بأنه "مقلوب" - عندئذ يكون لديك حقوق ملكية سلبية. بعبارة أخرى، إذا حاولت بيع سيارتك، فلن تتمكن من الحصول على ما تدين به بالفعل. على سبيل المثال، لنفترض أنك مدينة بمبلغ 10,000 دولار على قرض سيارتك وأن سيارتك الآن تساوي 8,000 دولار. وهذا يعني أن لديك حقوق ملكية سلبية بقيمة 2,000 دولار. يجب سداد هذا الرصيد السلبي إذا كنت ترغب في مقايضة سيارتك والحصول على قرض سيارة لشراء سيارة جديدة.<br/><br/></p><hr/><p data-block-key="80nkl"></p><h2 data-block-key="cicp"><b>قرض السيارة بدون الكشف عن السجل الائتماني أو "أشتري هنا، وأدفع هنا" (No credit check or "buy here, pay here" auto loan</b>)</h2><p data-block-key="221et">يتم تقديم قرض السيارة "بدون الكشف عن السجل الائتماني" أو "اشتر هنا، وأدفع هنا" من قبل الوكلاء الذين يمولون عادةً قروض السيارات "داخلياً" للمقترضين الذين ليس لديهم سجل ائتماني أو سجلهم الائتماني ضعيف.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="8cdu8"></p><h2 data-block-key="9hna1"><b>المبلغ الأساسي</b> (Principal)</h2><p data-block-key="tbg">المبلغ الأساسي هو المبلغ الذي وافقت في الأصل على سداده.</p><p data-block-key="f0mbd">بشكل عام، سيتم تطبيق أي دفعة يتم سدادها على قرض السيارة أولاً على أي رسوم مستحقة (على سبيل المثال، رسوم التأخير). بعد ذلك، سيتم تطبيق الأموال المتبقية من مدفوعاتك على أي <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">فائدة</a> مستحقة، بما في ذلك الفائدة المتأخرة، إن وجدت. وبعد ذلك، سيتم تطبيق بقية المبلغ على رصيد المبلغ الأساسي لقرضك.<br/><br/></p><hr/><p data-block-key="ahg09"></p><h2 data-block-key="3qogb"><b>التسعير القائم على أساس المخاطر</b> (Risk-based pricing)</h2><p data-block-key="17h4n">يحدث التسعير القائم على أساس المخاطر عندما يعرض المقرضون على مستهلكين مختلفين أسعار فائدة مختلفة أو شروط قرض أخرى، بناءً على المخاطر المقدرة المتمثلة في فشل المستهلكين في سداد قروضهم.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="1v68g"></p><h2 data-block-key="a2pqq"><b>التكلفة الإجمالية</b> (Total cost)</h2><p data-block-key="ma1s">هذا هو المبلغ الذي ستدفعه لشراء سيارتك، بما في ذلك المبلغ الأساسي والفائدة وأي دفعة مقدمة أو مقايضة، على مدى فترة القرض.<br/><br/></p><hr/><p data-block-key="360er"></p><h2 data-block-key="5ames"><b>إفصاح الحقيقة في الإقراض</b> (Truth in Lending disclosure)</h2><p data-block-key="fah42">يتطلب قانون الحقيقة الفيدرالية في الإقراض (TILA) أن يتلقى المقترضون إفصاحات مكتوبة حول شروط ائتمانية مهمة قبل أن يلتزموا قانوناً بدفع القرض. تعرف على المزيد حول المعلومات المضمنة في الإفصاحات الخاصة بك وفقاً <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">لقانون الحقيقة الفيدرالية في الإقراض (TILA)</a> ومتى يجب أن تحصل عليها والقيام بمراجعتها.<br/><br/></p><hr/><p data-block-key="bgup3"></p><h2 data-block-key="2tln2"><b>التمويل بسعر فائدة متغيّر</b> (Variable-rate financing)</h2><p data-block-key="10erl">التمويل بسعر فائدة متغيّر هو عندما يمكن أن يتغير سعر الفائدة على قرضك، بناءً على السعر الأساسي أو سعر آخر يسمى "المؤشر". ومع وجود قرض بسعر فائدة متغيّر، يتغير سعر الفائدة على القرض مع تغير سعر المؤشر، مما يعني أنه قد يرتفع أو ينخفض. نظرا لإمكانية ارتفاع معدل الفائدة، يمكن أيضاً أن ترتفع دفعتك الشهرية. وكلما طالت مدة القرض، زادت مخاطر القرض المتغيّر على المقترض، لأن هناك المزيد من الوقت لزيادة أسعار الفائدة.  التمويل ذو السعر المتغيّر هو أحد أنواع التمويل. وهناك نوع آخر هو <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">التمويل ذو السعر المتغيّر</a>.<br/><br/></p><hr/><p data-block-key="76c3v"></p><h2 data-block-key="9qme3"><b>التأمين للمصلحة الفردية للبائع (</b>Vendor's Single Interest (VSI) insurance)</h2><p data-block-key="e39l5">يحمي تأمين المصلحة الفردية للبائع (VSI) المُقرض، ولكن ليس أنت، في حالة تلف السيارة أو تعرضها للدمار.</p><p data-block-key="8u1q6"><a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">اقرأ المزيد (باللغة الإنكليزية)</a></p>
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diff --git a/www.consumerfinance.gov/language/ar/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/ar/bank-accounts-key-terms/index.html
new file mode 100644
index 000000000000..6ad362652496
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="ar" class="no-js">
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+            <div class="m-global-eyebrow_actions">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Bank Accounts &amp; Services
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    <div role="heading"
+                         aria-level="3"
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
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+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+<a class="o-secondary-nav_link
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+          "
+   href=/language/ar/auto-loan-key-terms/>
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-card-key-terms/>
+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-reports-and-scores-key-terms/>
+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/debt-collection-key-terms/>
+    المصطلحات الرئيسية لتحصيل الديون
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/fraud-key-terms/>
+    المصطلحات الرئيسية لعمليات الاحتيال والغش
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/mortgages-key-terms/>
+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Bank accounts key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية للحسابات المصرفية</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/bank-accounts-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/bank-accounts-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/bank-accounts-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/bank-accounts-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/bank-accounts-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/bank-accounts-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/bank-accounts-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>غرفة المقاصة الآلية (ACH) (Automated Clearing House (ACH))</b></h2><p data-block-key="fkelk">إن تفويض غرفة المقاصة الآلية (ACH) هو تفويض دفع يمنح المُقرض الإذن بأخذ الأموال إلكترونياً من البنك أو الاتحاد الائتماني أو حساب البطاقة المدفوعة مسبقاً عند استحقاق الدفع. يمكنك إلغاء هذا التفويض.</p><p data-block-key="dmdff"><br/></p><hr/><p data-block-key="frjra"></p><h2 data-block-key="das29"><b>الدفع عن طريق الخصم التلقائي (Automatic debit payment)</b></h2><p data-block-key="d065v">من خلال عمليات الخصم التلقائية، فإنك تمنح الإذن للشركة لأخذ المدفوعات مباشرة من حسابك المصرفي. يختلف هذا الأمر عن ميزة دفع الفواتير المتكرر التي يقدمها المصرف. في دفع الفواتير المتكرر، أنت تمنح الإذن للمصرف أو الاتحاد الائتماني لإرسال الدفعات إلى الشركة.</p><p data-block-key="amkf8"><br/></p><hr/><p data-block-key="8okp6"></p><h2 data-block-key="fq7po"><b>شهادة الإيداع (CD) (Certificate of deposit (CD))</b></h2><p data-block-key="9c7s5">شهادة الإيداع أو (CD) هي نوع خاص من حسابات التوفير التي تقدمها البنوك أو الاتحادات الائتمانية. يجب عليك بشكل عام الاحتفاظ بالأموال في شهادة الإيداع لفترة زمنية محددة لتجنب العقوبات.</p><p data-block-key="ckg22"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="e0apd"><br/></p><hr/><p data-block-key="39unk"></p><h2 data-block-key="2skn5"><b>تجديد شهادة الإيداع (CD) (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="804d7">يمكن أن يحدث التمديد أو التجديد في نهاية مدة شهادة الإيداع(CD) .</p><p data-block-key="156kt"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="ojk"><br/></p><hr/><p data-block-key="bc1l"></p><h2 data-block-key="4oomu"><b>الكمبيالة تحت الطلب</b> (<b>Demand draft)</b></h2><p data-block-key="17vpm">تسمح الكمبيالة تحت الطلب لشخص ما بسحب الأموال من حسابك الجاري دون توقيعك.</p><p data-block-key="8to9k"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="2lb90"><br/></p><hr/><p data-block-key="2ovcv"></p><h2 data-block-key="9he2s"><b>تعليق الإيداع (Deposit hold)</b></h2><p data-block-key="98q9h">يُشار أحياناً إلى مقدار الوقت الذي يحتفظ فيه البنك أو الاتحاد الائتماني بالأموال التي تودعها عن طريق الشيك بفترة "تعليق الإيداع" أو "تعليق الشيك". قد توفر بعض البنوك أو الاتحادات الائتمانية الأموال بسرعة أكبر مما يتطلبه القانون، وقد يُسرّع بعضها من توفر الأموال مقابل رسوم.</p><p data-block-key="eksk4"><br/></p><hr/><p data-block-key="84n0a"></p><h2 data-block-key="6c47v"><b>المؤتمن (Fiduciary)</b></h2><p data-block-key="4b9tt">المؤتمن هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. عندما يتم تسميتك بصفتك مؤتمناً، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك.</p><p data-block-key="d0l4q"><br/></p><hr/><p data-block-key="5e9lj"></p><h2 data-block-key="e3j1b"><b>الوصي على الممتلكات (Guardian of property)</b></h2><p data-block-key="ft08o">الوصي على الممتلكات هو شخص تسميه المحكمة لإدارة الأموال والممتلكات لشخص آخر وجدت المحكمة أنه لا يمكنه إدارة أمواله وممتلكاته بمفرده.</p><p data-block-key="aic0i"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="aqo6e"><br/></p><hr/><p data-block-key="9l5nj"></p><h2 data-block-key="6281s"><b>رقم تعريف دافع الضرائب الفردي (ITIN)</b> <b>(Individual taxpayer identification number (ITIN))</b></h2><p data-block-key="4ol1a">رقم تعريف دافع الضرائب الفردي (ITIN) هو رقم تعريف تحصل عليه من دائرة الإيرادات الداخلية (مصلحة الضرائب). يتوفر رقم تعريف دافع الضرائب الفردي (ITIN) فقط لبعض الأجانب المقيمين وغير المقيمين، وزوجاتهم، والمعالين الذين لا يمكنهم الحصول على رقم الضمان الاجتماعي.</p><p data-block-key="b1dho"><br/></p><hr/><p data-block-key="dchms"></p><h2 data-block-key="fqk14"><b>حساب مشترك</b> (<b>Joint account)</b></h2><p data-block-key="clcjd">إذا كنت ترغب في تمكين صديق أو أحد أفراد العائلة من كتابة الشيكات وإجراء الودائع نيابة عنك، فقد تفكر في فتح حساب مشترك. بشكل عام، يمكن لكل شخص يكون اسمه في حساب مشترك كتابة الشيكات أو سحب الأموال أو إجراء المعاملات أو نقل الأموال أو إغلاق الحساب. وإذا كان أحد أصحاب الحسابات يدين بالمال، فإن الدائن يستطيع أن يحاول تحصيل الأموال من الحساب المصرفي المشترك.</p><p data-block-key="7ljdu"><br/></p><hr/><p data-block-key="6hq1q"></p><h2 data-block-key="cip69"><b>حساب سوق المال</b> (<b>Money market account)</b></h2><p data-block-key="14tma">حساب سوق المال هو نوع خاص من الحسابات تقدمه البنوك والاتحادات الائتمانية.</p><p data-block-key="99sh5"><br/></p><hr/><p data-block-key="b5efc"></p><h2 data-block-key="3dskh"><b>رسوم الأموال غير الكافية (NSF)</b> <b>(Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="2dnn1">قد يتم فرض رسوم (NSF) أو رسوم الأموال غير الكافية عندما لا يتم دفع الشيك أو التفويض الإلكتروني بسبب نقص الأموال في حسابك. يشار إلى هذا عادةً باسم الشيك "المرتجع" أو "المرتد".</p><p data-block-key="5gr0m"><br/></p><hr/><p data-block-key="1r6hl"></p><h2 data-block-key="a0ci8"><b>السحب على المكشوف</b> (<b>Overdraft)</b></h2><p data-block-key="28sdp">يحدث السحب على المكشوف عندما لا يكون لديك ما يكفي من المال في حسابك لتغطية المعاملة، ولكن البنك يدفع المعاملة على أية حال. يمكنك السحب على المكشوف من حسابك من خلال الشيكات ومعاملات الصراف الآلي والشراء ببطاقات الخصم ودفع الفواتير التلقائي والسحب الإلكتروني أو الشخصي.</p><p data-block-key="dm4a1">تقدم العديد من البنوك والاتحادات الائتمانية برامج حماية من السحب على المكشوف يقوم فيها المصرف أو الاتحاد الائتماني عموماً بدفع المعاملة ويفرض عليك رسوماً (بالإضافة إلى المطالبة بسداد مبلغ السحب على المكشوف). يمكن أيضاً تغطية السحب على المكشوف من خلال تحويل الأموال من حساب مرتبط أو بطاقة ائتمانية أو خط ائتماني.</p><p data-block-key="2sv2j"><br/></p><hr/><p data-block-key="u2ur"></p><h2 data-block-key="c5t94"><b>خط الائتمان الشخصي</b> (<b>Personal line of credit)</b></h2><p data-block-key="f91a2">إن خط الائتمان الشخصي هو قرض يمكنك الوصول إليه من وقت لآخر. أنت تكتب شيكات خاصة أو تطلب تحويل إلى الحساب الجاري عبر الهاتف أو عبر الإنترنت.</p><p data-block-key="4qhla">مثل حساب بطاقة الائتمان، لديك حد ائتماني، وتتلقى فاتورة شهرية، وتسدد حداً أدنى للدفع على الأقل، وتدفع الفائدة على أساس رصيدك المستحق، وربما تدفع رسوماً في كل مرة تستخدم فيها الحساب.</p><p data-block-key="8bp8i">خطوط الائتمان الشخصية غير مضمونة، على عكس خطوط الائتمان الخاصة بملكية المنزل (HELOCs)، والتي تكون مدعومة برهن عقاري على منزلك. يتم تقديم خطوط الائتمان الشخصية من قبل البنوك والاتحادات الائتمانية وعادة ما تتطلب أن يكون لديك أيضاً حساب جارٍ مع نفس المؤسسة.</p><p data-block-key="9hg4r"><br/></p><hr/><p data-block-key="du060"></p><h2 data-block-key="dbeqi"><b>التوكيل الرسمي (Power of attorney)</b></h2><p data-block-key="82f0e">التوكيل الرسمي (POA) هو مستند قانوني يسمح لشخص آخر بالتصرف نيابة عنك. يعد إنشاء توكيل رسمي طريقة لتعيين صانع قرار بديل وهو غير مكلف نسبياً، على الرغم من أنه قد يتطلب مساعدة من محامٍ.</p><p data-block-key="6a8uf">ويمكن استخدام التوكيل (POA) المالي كأداة للتخطيط للعجز في المستقبل - عدم القدرة على اتخاذ القرارات المالية بسبب، على سبيل المثال، الخرف أو إصابات الدماغ الرضية أو بعض الإعاقات الأخرى التي تؤثر على الوظيفة العقلية. عند استخدامه للتخطيط المسبق، يكون التوكيل (POA) عموماً "دائم"، مما يعني أنه يستمر في كونه فعالاً حتى إذا أصبح الشخص الذي قام بإنشائه عاجزاً. تابع القراءة لمعرفة المزيد عن <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">التوكيل الرسمي (POA)</a>.</p><p data-block-key="70vho"><br/></p><hr/><p data-block-key="bm4qp"></p><h2 data-block-key="d4ibe"><b>المستفيد التمثيلي</b> (<b>Representative payee)</b></h2><p data-block-key="aacsv">تعيّن إدارة الضمان الاجتماعي (SSA) شخصاً ليكون ممثلاً للمستفيد لشخص آخر يحتاج إلى مساعدة في إدارة مدفوعات الضمان الاجتماعي أو مخصصات دخل الضمان التكميلي (SSI). يمكن لممثل المستفيد إدارة شيكات الاستحقاق التي يدفعها نظام إدارة الضمان الاجتماعي فقط. إذا كان الشخص الذي يتلقى المزايا يملك أموالاً أو ممتلكات أخرى لا يستطيع إدارتها، فيجب أن يكون لممثل المستفيد سلطة قانونية من مصدر آخر لإدارة أموال أخرى. على سبيل المثال، يمكن للمحكمة أيضاً تعيين ممثل المستفيد <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">كحارس للممتلكات</a>. كممثل للمستفيد من الضمان الاجتماعي، أنت <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">مؤتمن</a>.</p><p data-block-key="bsno3">لمزيد من المعلومات حول ممثل المستفيد، اقرأ هذا <a href="/consumer-tools/managing-someone-elses-money/">الدليل</a> حول إدارة أموال شخص آخر.</p><p data-block-key="ckf6s"><br/></p><hr/><p data-block-key="422pk"></p><h2 data-block-key="d21cu"><b>وصية الشخص الحي القابلة للإلغاء</b> (<b>Revocable living trust)</b></h2><p data-block-key="4ntqo">إن وصية الشخص الحي القابلة للإلغاء هي وثيقة قانونية تمنحك سلطة اتخاذ قرارات بشأن أموال شخص آخر أو ممتلكاته التي يحتفظ بها في صندوق استئماني.</p><p data-block-key="dimo2"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="98h80"><br/></p><hr/><p data-block-key="dri27"></p><h2 data-block-key="f12rj"><b>ممثل المستفيد من الضمان الاجتماعي</b> (<b>Social Security representative payee)</b></h2><p data-block-key="9f78b">يتم تعيين ممثل المستفيد من قبل إدارة الضمان الاجتماعي لشخص آخر يحتاج إلى المساعدة في إدارة مدفوعات الضمان الاجتماعي أو استحقاقات دخل الضمان الاجتماعي التكميلي.</p><p data-block-key="fkiof"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="e06km"><br/></p><hr/><p data-block-key="8d0sp"></p><h2 data-block-key="8d9b1"><b>مؤتمن إدارة شؤون المحاربين القدماء</b> (<b>VA fiduciary)</b></h2><p data-block-key="dnbob"><a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">المؤتمن</a> هو الشخص الذي يدير أموالاً أو ممتلكات لشخص آخر. وتتولى إدارة شؤون المحاربين القدامى (VA) تعيين المؤتمنين لإدارة مزايا المحاربين القدامى لصالح الأشخاص الذين لا يستطيعون إدارة الأموال بأنفسهم.</p><p data-block-key="17n3v"><a>اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ar/credit-card-key-terms/index.html b/www.consumerfinance.gov/language/ar/credit-card-key-terms/index.html
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@@ -0,0 +1,1484 @@
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
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+        Resources for Yourself
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
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+    >
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+       >
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <div class="eyebrow">Credit card key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية لبطاقة الائتمان</h1>
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+                <h2 data-block-key="hr3ds"><b>معدل الفائدة السنوية المئوية ((APR) Annual percentage rate)</b></h2><p data-block-key="2u0oe">يعد معدل (APR)، أو معدل الفائدة السنوية المئوية، الطريقة القياسية لمقارنة تكلفة القروض. فهو يسمح لك بمقارنة تكاليف منتجات القروض على أساس "تفاح مقابل تفاح". يجب أن تكشف الشركة المصدرة لبطاقة الائتمان عن معدل الفائدة السنوية المئوية (APR) قبل قيامك بالموافقة على استخدام البطاقة.</p><p data-block-key="90nal">لحساب معدل الفائدة السنوية المئوية (APR)، تتم مقارنة سعر الفائدة والرسوم بالمبلغ الذي تقترضه وتحتسب على مدى فترة سنة واحدة. يتيح لك ذلك مقارنة تكاليف بطاقة الائتمان بقرض بأقساط لمدة ستة أشهر. وهذا هو سبب اختلاف معدلات الفائدة السنوية المئوية (APRs) غالباً عن أسعار الفائدة البسيطة.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>تحويل الرصيد</b> (Balance transfer)</h2><p data-block-key="2sa7t">يتيح لك تحويل الرصيد نقل رصيد مستحق من بطاقة ائتمان إلى أخرى، مقابل رسوم في بعض الأحيان. عادة ما تكون الرسوم نسبة مئوية معينة من المبلغ الذي تقوم بتحويله أو مبلغ ثابت، أيهما أكثر. تقدم العديد من شركات بطاقات الائتمان تحويلات مالية بنسبة صفر في المئة أو بفائدة منخفضة لدعوتك إلى دمج ديونك في بطاقة ائتمان واحدة. يستمر سعر الفائدة الترويجي لمعظم التحويلات المالية لفترة محدودة. بعد ذلك، قد يرتفع سعر الفائدة على بطاقة الائتمان الجديدة، مما يزيد من مبلغ دفعاتك.</p><p data-block-key="598f">إذا تأخرت أكثر من 60 يوماً عن الدفع، فيمكن لشركة بطاقات الائتمان زيادة سعر الفائدة على كل الأرصدة، بما في ذلك الرصيد المحول.</p><p data-block-key="rqk5"><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>الرصيد الدائن</b> (Credit balance)</h2><p data-block-key="con3e">الرصيد الدائن في بيان الفواتير الخاص بك هو المبلغ الذي تدين به لك جهة إصدار البطاقة.</p><p data-block-key="4mji4">تتم إضافة الأرصدة الدائنة إلى حسابك في كل مرة تقوم فيها بالدفع. كما يمكن إضافتها عند إرجاع شيء اشتريته بواسطة بطاقة ائتمان أو بسبب مكافآت كسبتها أو خطأ في فاتورة سابقة. إذا تجاوز إجمالي الأرصدة الدائنة المبلغ الذي تدين به، يظهر رصيدك الدائن في كشف الحساب.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/42" href="/ask-cfpb/there-is-a-credit-balance-shown-on-my-statement-what-is-a-credit-balance-en-42/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>معدل الفائدة الدوري اليومي</b> (Daily periodic rate)</h2><p data-block-key="eeep">تقوم بعض جهات إصدار البطاقات بحساب الفائدة على الحساب باستخدام معدل الفائدة الدوري اليومي، والذي يتم استخدامه لحساب الفائدة عن طريق ضرب المعدل في المبلغ المستحق في نهاية اليوم. ثم يضاف مبلغ الفائدة هذا إلى رصيد اليوم السابق، وهذا يعني أن الفائدة تتفاقم على أساس يومي.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>فترة السماح</b> (Grace period)</h2><p data-block-key="1c9g3">فترة السماح هي الفترة بين نهاية دورة الفوترة وتاريخ استحقاق الدفع. خلال هذا الوقت، قد لا يتم فرض فائدة عليك طالما أنك تدفع رصيدك بالكامل بحلول تاريخ الاستحقاق. لا يطلب من شركات بطاقات الائتمان منح فترة سماح. ومع ذلك، توفر معظم بطاقات الائتمان فترة سماح على عمليات الشراء.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/47" href="/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="7cl7v"></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>سعر الفائدة</b> (Interest rate)</h2><p data-block-key="bgac0">إن سعر فائدة بطاقة الائتمان هو السعر الذي تدفعه في مقابل اقتراض المال. بالنسبة لبطاقات الائتمان، عادةً ما يتم تحديد أسعار الفائدة كمعدل سنوي، وهذا ما يسمى معدل الفائدة السنوية المئوية (APR). في معظم البطاقات، يمكنك تجنب دفع الفائدة على المشتريات إذا دفعت رصيدك بالكامل كل شهر بحلول تاريخ الاستحقاق.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>عرض بطاقة الائتمان ذات الفحص المسبق</b> (Prescreened credit card offer)</h2><p data-block-key="6raiu">يتم عرض بطاقة الائتمان ذات الفحص المسبق عندما تستخدم شركات بطاقات الائتمان معلومات من شركات تقارير الائتمان لتقديم عروض ائتمانية مؤكدة لك إذا كان سجلك الائتماني يفي بالمعايير التي حددتها شركة البطاقة.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1" href="/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>الاستخدام غير المصرح به</b> (Unauthorized use)</h2><p data-block-key="1qnhp">بشكل عام، فإن الاستخدام غير المصرح به هو استخدام بطاقة ائتمان من قبل شخص ليس لديه الحق في استخدام البطاقة. على سبيل المثال، إذا فقدت بطاقتك وقام شخص ما بالعثور عليها واستخدامها، سيكون ذلك استخداماً غير مصرح به.</p><p data-block-key="fs571"><a class="" data-pretty-href="cfpb.gov/askcfpb/26" href="/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/">اقرأ المزيد (باللغة الإنكليزية)</a></p>
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diff --git a/www.consumerfinance.gov/language/ar/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/ar/credit-reports-and-scores-key-terms/index.html
new file mode 100644
index 000000000000..e204c00bddae
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/credit-reports-and-scores-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="ar" class="no-js">
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+       >
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+       >
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
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+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
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+                            href="/complaint/">
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+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+   href=/language/ar/auto-loan-key-terms/>
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
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+   href=/language/ar/bank-accounts-key-terms/>
+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+   href=/language/ar/credit-card-key-terms/>
+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
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+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+   href=/language/ar/debt-collection-key-terms/>
+    المصطلحات الرئيسية لتحصيل الديون
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
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+    المصطلحات الرئيسية لعمليات الاحتيال والغش
+</a>
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+<a class="o-secondary-nav_link
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+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
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+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit reports and scores key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
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+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-reports-and-scores-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
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+                lang="vi"
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+                translate="no">Tiếng Việt
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+            </li>
+            <li>
+                <a href="/language/ko/credit-reports-and-scores-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-reports-and-scores-key-terms/"
+                lang="tl"
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+            </li>
+            <li>
+                <a href="/language/ru/credit-reports-and-scores-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/credit-reports-and-scores-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>الاستعلام عن الائتمان</b> (Credit inquiry)</h2><p data-block-key="b94vk">يشير الاستعلام إلى طلب للنظر في ملف الائتمان الخاص بك، وهو يندرج عموماً ضمن أحد النوعين.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b></span>غير المرئي من الناحية الائتمانية</b> (Credit invisible)<b><span id=''creditinvisible"></b></h2><p data-block-key="b5ima">في عام 2015، قٌمنا <a href="/about-us/blog/who-are-credit-invisible/">بنشر تقرير</a> خلص إلى أن 26 مليون أميركي "غير مرئيين من الناحية الائتمانية". ويشير هذا الرقم إلى أن واحداً من كل عشرة بالغين لا يملك أي تاريخ ائتماني مع إحدى الشركات الثلاث الوطنية للإبلاغ عن الائتمان. هناك 19 مليون مستهلك إضافي لديهم ملفات ائتمانية "غير قابلة للمراقبة"، مما يعني أن ملفهم ضعيف ولديهم سجل ائتماني غير كافٍ (9.9 مليون) أو لديهم ملفات قديمة ويفتقرون إلى أي سجل ائتماني حديث (9.6 مليون). وباختصار، هناك 45 مليون مستهلك قد لا يحصلون على الائتمان لأنهم لا يملكون سجلات ائتمانية يمكن تقييمها. فالأشخاص الذين يعتبرون غير مرئيين من الناحية الائتمانية أو ملفاتهم الائتمانية غير قابلة للمراقبة بشكل عام لا يتمتعون بإمكانية الوصول إلى ائتمان جيد وقد يواجهون مجموعة من المشكلات، من محاولة الحصول على الائتمان إلى استئجار شقة.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>خدمة مراقبة الائتمان</b> (Credit monitoring service)</h2><p data-block-key="8q9vn">خدمة مراقبة الائتمان هي خدمة تجارية تفرض عليك رسوماً لمراقبة <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">تقارير الائتمان</a> الخاصة بك وتنبيهك بالتغييرات التي تطرأ على الحسابات المدرجة في تقرير الائتمان الخاص بك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><h2 data-block-key="c1eha"><br/><b>تقرير الائتمان</b> (Credit report)</h2><p data-block-key="4mcn2">تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني وحالة الائتمان الحالية مثل تاريخ تسديد القرض وحالة حسابات الائتمان الخاصة بك.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>شركة إعداد التقارير الائتمانية</b> (Credit reporting company)</h2><p data-block-key="br4nn">شركات إعداد التقارير الائتمانية، والمعروفة أيضاً باسم مكاتب الائتمان أو وكالات الإبلاغ عن تقارير المستهلك، هي شركات تقوم بتجميع تقارير الائتمان وبيعها.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>درجة الائتمان</b> (Credit score)</h2><p data-block-key="athh1">تتنبأ درجة الائتمان بمدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج التسجيل - لإنشاء درجة الائتمان الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. من المهم أن تعرف أنه ليس لديك درجة ائتمان "واحدة" فقط وأن هناك العديد من درجات الائتمان المتاحة لك وكذلك للمقرضين. تعتمد أي درجة ائتمانية على البيانات المستخدمة لحسابها، وقد تختلف اعتماداً على نموذج التسجيل، ومصدر سجل الائتمان الخاص بك، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>قانون الإبلاغ العادل عن الائتمان</b> (Fair Credit Reporting Act)</h2><p data-block-key="68tf2">ويعمل القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA) على تعزيز دقة المعلومات وعدالتها وخصوصيتها في ملفات وكالات الإبلاغ عن تقارير المستهلكين. هناك العديد من أنواع وكالات الإبلاغ عن تقارير المستهلكين، بما في ذلك مكاتب الائتمان والوكالات المتخصصة (مثل الوكالات التي تبيع معلومات عن سجلات كتابة الشيكات والسجلات الطبية وسجلات تاريخ الإيجار). تعرف على المزيد عن <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">حقوقك الرئيسية في إطار القانون الفيدرالي للإبلاغ العادل عن الائتمان (FCRA).</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>درجة FICO score) FICO)</b></h2><p data-block-key="b15dn">إن درجة FICO® هي علامة تجارية معينة من درجة الائتمان.</p><p data-block-key="51ipd"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">اقرأ المزيد</a><br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="34est"><br/><b>تنبيه الاحتيال</b> (Fraud alert)</h2><p data-block-key="f77jv">يتطلب تنبيه الاحتيال من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود بناءً على طلب المستهلك. عندما تضع تنبيها بشأن الاحتيال <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">في تقرير الائتمان</a> الخاص بك لدى إحدى شركات الإبلاغ عن تقارير الائتمان على المستوى الوطني، يجب على هذه الشركة أن تخطر الشركات الأخرى بذلك. هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة.</p><p data-block-key="fj6a"><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>مراقبة الهوية أو الحماية من سرقة الهوية</b> (Identity monitoring or identity theft protection)</h2><p data-block-key="c904m">تراقب خدمات سرقة الهوية معلومات التعريف الشخصية في طلبات الائتمان والسجلات العامة ومواقع الويب وغيرها من الأماكن لأي نشاط غير اعتيادي قد يظهر علامات على سرقة الهوية.</p><p data-block-key="evehh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><h2 data-block-key="5fep6"><br/><b>سرقة الهوية</b> (Identity theft)</h2><p data-block-key="8ehem">تحدث سرقة الهوية عندما يسرق شخص هويتك الشخصية لارتكاب عملية احتيال. قد يعني سرقة هويتك استخدام معلومات شخصية من دون إذنك، مثل:</p><ul><li data-block-key="5ns44">اسمك</li><li data-block-key="8e7ge">رقم الضمان الاجتماعي</li><li data-block-key="9dqos">رقم بطاقة الائتمان<br/></li></ul><hr/><h2 data-block-key="8qib"><br/><b>تنبيه الخدمة العسكرية النشطة</b> (<b>Military active duty alert)</b></h2><p data-block-key="1i66u">يمكن لأفراد القوات المسلحة (مثل أفراد المارينز والجيش والبحرية والقوات الجوية وخفر السواحل) أن يطلبوا تنبيه الخدمة العسكرية النشطة. عندما تضع تنبيها حول نشاطك في الخدمة العسكرية على تقرير الائتمان الخاص بك، يجب على الدائنين اتخاذ خطوات معقولة للتأكد من أنك الشخص الذي يقدم الطلب بالفعل قبل فتح حساب، أو إصدار بطاقة ائتمان إضافية على حساب موجود، أو زيادة حد الائتمان على حسابك الحالي. تستمر تنبيهات الخدمة العسكرية النشطة لمدة 12 شهراً. ستتم إزالة اسمك أيضاً من قوائم التسويق للفحص المسبق لشركات إعداد التقارير الائتمانية على المستوى الوطني لعروض الائتمان والتأمين لمدة عامين.<br/><br/></p><hr/><h2 data-block-key="562ft"><br/><b>التحصيل المدفوع</b> (Paid collection)</h2><p data-block-key="66vgg">التحصيل المدفوع هو حساب دخل في مرحلة التحصيل لأنه فات موعد استحقاقه ثم تم دفعه.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="/ask-cfpb/what-is-a-paid-collection-en-1383/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><h2 data-block-key="3hiut"><br/><b>التجميد الأمني</b></h2><p data-block-key="f46qc">يمنع "التجميد الأمني" لتقرير الائتمان الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح حسابات باسمك حتى تقوم برفع التجميد. نظراً لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع لصوص الهوية من فتح حسابات جديدة باسمك.<br/><br/></p><hr/><h2 data-block-key="fnlui"><br/><b>شركات إعداد تقارير المستهلك المتخصصة</b> (Specialty consumer reporting company)</h2><p data-block-key="eigs8">تقوم شركات إعداد تقارير المستهلك المتخصصة بجمع وتبادل المعلومات حول تاريخ التوظيف الخاص بك، وسجل المعاملات مع الأعمال التجارية أو تاريخ السداد لمنتج أو خدمة معينة.<br/><br/></p><hr/><h2 data-block-key="blqfc"><br/><b>تقرير فحص المستأجر</b> (Tenant screening report)</h2><p data-block-key="1bpc5">تقرير يستخدمه الملاك للمساعدة في اتخاذ القرارات بشأن المستأجرين المحتملين. قد يحتوي تقرير فحص المستأجر على معلومات من مصادر عديدة بما في ذلك سجل الإيجار وتقارير الائتمان.</p><p data-block-key="7nhro"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="cgqvh"></p><hr/><h2 data-block-key="9ebls"><br/><b>ملف الائتمان الرقيق/ عدم وجود ملف ائتمان</b> (<b>Thin credit file / No credit file)</b></h2><p data-block-key="24i5l">يعني ملف الائتمان الرقيق أو عدم وجود ملف ائتمان أن الشخص ليس لديه سجل ائتماني أو ليس لديه سجل ائتماني حالي كافٍ لإنتاج درجة ائتمانية. انظر:<a href="#creditinvisible">غير المرئي من الناحية الائتمانية</a></p>
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diff --git a/www.consumerfinance.gov/language/ar/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/ar/debt-collection-key-terms/index.html
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+++ b/www.consumerfinance.gov/language/ar/debt-collection-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            بحث
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">بحث</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">اغلاق</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">بحث</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">بحث</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/auto-loan-key-terms/>
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/bank-accounts-key-terms/>
+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-card-key-terms/>
+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-reports-and-scores-key-terms/>
+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    المصطلحات الرئيسية لتحصيل الديون
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/fraud-key-terms/>
+    المصطلحات الرئيسية لعمليات الاحتيال والغش
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/mortgages-key-terms/>
+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية لتحصيل الديون</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/debt-collection-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/debt-collection-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/debt-collection-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/debt-collection-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/debt-collection-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/debt-collection-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
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+                <h2 data-block-key="hr3ds"><b>مستشار ائتماني</b> (Credit counselor)</h2><p data-block-key="6m1ha">يمكن أن يساعد المستشارون الائتمانيون فيما يلي:</p><ul><li data-block-key="9c08r">تقديم النصح لك بشأن إدارة أموالك وديونك<br/></li><li data-block-key="avjmc">مساعدتك في وضع ميزانية<br/></li><li data-block-key="ca7kt">وهم في الغالب يقومون بتوفير مواد تعليمية وورش عمل مجانية<br/></li></ul><p data-block-key="91tv3">وعادة ما يكون <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">المستشارون الائتمانيون</a> حاصلين على شهادات ومدربين في مجالات الائتمان الاستهلاكي وإدارة الأموال والديون والميزانية. يناقش المستشارون وضعك المالي بالكامل معك ويساعدون في وضع خطة مخصصة لحل مشاكلك المالية.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>قاعدة تحصيل الديون</b> (Debt collection rule)</h2><p data-block-key="a61e">أصدر مكتب الحماية المالية للمستهلكين (CFPB) "قواعد" سارية اعتباراً من 30 نوفمبر/ تشرين الثاني، 2021 توضح وتفسر القانون الفيدرالي لممارسات التحصيل العادل للديون (FDCPA).<br/><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>مُحصّل الديون</b> (Debt collector)</h2><p data-block-key="236ub">بموجب القانون الفيدرالي لممارسات التحصيل العادل للديون، يكون مُحصّل الديون عموماً شخصاً أو شركة تقوم بتحصيل الديون المستحقة للآخرين بانتظام، وعادةً عندما تكون هذه الديون متأخرة السداد.</p><p data-block-key="as997">ويشمل محصلو الديون وكالات التحصيل أو المحامين الذين يحصلّون الديون كجزء من أعمالهم. هناك أيضاً شركات تشتري الديون المتأخرة من الدائنين أو الشركات الأخرى ثم تحاول تحصيلها. ويطلق على محصلي الديون هؤلاء أيضاً وكالات تحصيل الديون، أو شركات تحصيل الديون، أو مشتري الديون.<br/></p><hr/><h2 data-block-key="c1eha"><br/><b>خدمات تسوية (تخفيف) الديون</b> (Debt settlement (relief) services)</h2><p data-block-key="eefb6">إن شركات تسوية الديون هي شركات تزعم أنها قادرة على إعادة التفاوض أو التسوية أو تغيير شروط ديون الشخص إلى دائن أو مُحصّل ديون. إن التعامل مع شركات تسوية الديون قد يكون محفوفاً بالمخاطر. <a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>قانون ممارسات التحصيل العادل للديون ((FDCPA) Fair Debt Collection Practices Act)</b></h2><p data-block-key="47uqr">قانون ممارسات التحصيل العادل للديون (FDCPA) هو القانون الفيدرالي الرئيسي الذي يحكم ممارسات تحصيل الديون. يحظر قانون ممارسات التحصيل العادل للديون (FDCPA) على شركات تحصيل الديون استخدام ممارسات مسيئة أو غير عادلة أو مخادعة لجمع الديون منك.<a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/"> اقرأ المزيد</a> من المعلومات حول حقوقك في إطار قانون ممارسات التحصيل العادل للديون (FDCPA).<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>حجز مال المدين لدى الغير</b> (Garnishment)</h2><p data-block-key="erjvj"><a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">يحدث الحجز على المرتب أو الحساب المصرفي</a> عندما يأخذ الدائن جزءاً من راتبك أو أموالك من حسابك المصرفي لتحصيل المال الذي تدين به. وتتطلب عمليات حجز مال المدين لدى الغير عموماً أمراً قضائياً يصدر عن <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">حكم</a> قضائي. ولكن بعض الديون المستحقة للحكومة قد تؤدي أيضاً إلى الحجز، حتى بدون حكم.</p><p data-block-key="mq1l">قوانين الولاية والقوانين الفيدرالية لها حدود أو "إعفاءات" تنطبق على عملية الحجز على الحساب المصرفي والأجور، عادةً للتأكد من أن لديك شيئاً ما تبقى لتعيش عليه. كما يعد انتهاكاً لقانون ممارسات التحصيل العادل للديون (FDCPA) أن يهدد مُحصّل الديون بالحجز على راتبك إذا لم يكن من الممكن حجز راتبك بشكل قانوني.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>المضايقة من قِبل مُحصّل الديون</b> (Harassment by a debt collector)</h2><p data-block-key="8d93a">يقول قانون ممارسات التحصيل العادل للديون (FDCPA) أن محصلي الديون لا يستطيعون مضايقتك أو قمعك أو إساءة معاملتك أنت أو أي شخص آخر يتصلون به.<br/></p><p data-block-key="bdd6d">ومن الممكن أن تأتي المضايقات من قبل مُحصّل الديون بأشكال مختلفة. تشمل الأمثلة المكالمات الهاتفية المتكررة التي تهدف إلى إزعاجك، أو إساءة معاملتك أو مضايقتك أنت أو أي شخص يرد على الهاتف؛ واستخدام لغة بذيئة أو مهينة؛ والتهديدات بالعنف أو الأذى؛ ونشر قوائم بالأشخاص الذين يرفضون سداد ديونهم (لا يشمل ذلك الإبلاغ عن المعلومات إلى شركة إعداد تقارير الائتمان)؛ والاتصال بك دون إخبارك من هُم.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>الحُكم</b> (Judgement)</h2><p data-block-key="8bjf">الحُكم هو نتيجة رسمية لدعوى قضائية في المحكمة. في دعاوى تحصيل الديون، يجوز للقاضي أن يمنح الدائن أو <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">مُحصّل الديون</a> حكماً ضدك. إذا لم ترد على شكوى قانونية، فستفقد فرصتك للدفاع عن نفسك وقد تجد أن حُكماً قد صدر ضدك.</p><p data-block-key="3o7l4">إذا قام شخص ما بمقاضاتك، أو إذا حصل شخص ما على حكم ضدك ولم تكن متأكداً مما يجب عليك القيام به، فتحدث إلى محامٍ. قد يقدم بعض المحامين خدمات مجانية أو يتقاضون رسوماً مخفضة. قد تكون هناك أيضاً <a class="a-link a-link__icon" href="http://www.lsc.gov/find-legal-aid"><span class="a-link_text">مكاتب للمساعدة القانونية</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> أو عيادات قانونية في منطقتك تقدم خدماتها مجاناً إذا استوفيت معايير معينة. يجب على أفراد القوات المسلحة في الخدمة استشارة <a class="a-link a-link__icon" data-pretty-href="https://legalassistance.law.af.mil/" href="/external-site/?ext_url=https%3A%2F%2Flegalassistance.law.af.mil%2F&amp;signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU"><span class="a-link_text">المكتب المحلي للوكيل العام القاضي (JAG)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.<br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>رسالة ذات محتوى محدود</b> (Limited-Content Message)</h2><p data-block-key="etsjb">بموجب قاعدة تحصيل الديون، هذه رسالة بريد صوتي إلى المستهلك يجب أن تحتوي على بعض المعلومات المطلوبة وقد تحتوي على محتوى اختياري آخر.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="dq2qe"></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>الدائن الأصلي</b> (Original creditor)</h2><p data-block-key="9er0t">بشكل عام، الدائن الأصلي هو الشركة التي قدمت لك القرض أو الائتمان. قد يحاول الدائن الأصلي تحصيل حساب ائتمان متأخر السداد بنفسه، أو قد يستأجر محصلاً للديون. ويجوز للدائن الأصلي أيضاً أن يبيع حسابك الائتماني إلى مُحصّل للديون. ويكون مًحصل الديون بوجه عام طرفاً ثالثاً تم التعاقد معه خصيصاً لتحصيل حسابك، أو شخصاً اشتراه من الدائن الأصلي أو من جهة أخرى تقوم بتحصيل الديون أو من مشتري للديون.<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>قانون التقادم</b> (Statute of limitations)</h2><p data-block-key="37it7">قانون التقادم هو الفترة الزمنية المحدودة التي يتعين على الدائنين أو محصلي الديون القيام فيها <a href="/consumer-tools/debt-collection/if-creditor-sues-you/">برفع دعوى قضائية</a> لاسترداد الديون. تقع معظم قوانين التقادم في نطاق ثلاث إلى ست سنوات، على الرغم من أنها قد تمتد ف</p><p data-block-key="52es9">ي بعض الولايات القضائية لفترة أطول. قد تختلف قوانين التقادم وفقاً لقوانين الولاية أو نوع الدين الذي لديك أو قانون الولاية المذكور في اتفاقية الائتمان الخاصة بك.<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>إشعار التحقق (Validation notice)</b></h2><p data-block-key="19h1i">مطلوب من محصل الديون تقديم معلومات معينة عندما يتواصل لأول مرة مع المستهلك، أو بعد فترة وجيزة. عندما يقدم مُحصّل الديون هذه المعلومات المطلوبة إلكترونياً أو كتابياً، يسمى هذا إشعار التحقق.</p>
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diff --git a/www.consumerfinance.gov/language/ar/fraud-key-terms/index.html b/www.consumerfinance.gov/language/ar/fraud-key-terms/index.html
new file mode 100644
index 000000000000..4457e5b8a8a8
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/fraud-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+    >
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
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+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/auto-loan-key-terms/>
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/bank-accounts-key-terms/>
+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-card-key-terms/>
+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/credit-reports-and-scores-key-terms/>
+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/debt-collection-key-terms/>
+    المصطلحات الرئيسية لتحصيل الديون
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    المصطلحات الرئيسية لعمليات الاحتيال والغش
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ar/mortgages-key-terms/>
+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية لعمليات الاحتيال والغش</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/fraud-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/fraud-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/fraud-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/fraud-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/fraud-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>الاستغلال المالي لكبار السن</b> (<b>Elder financial exploitation)</b></h2><p data-block-key="5p6pk">الاستغلال المالي لكبار السن هو الاستخدام غير القانوني أو غير المناسب لأموال أو ممتلكات أو أصول كبار السن. وهو الشكل الأكثر شيوعًا لإيذاء كبار السن، ولكن يتم الإبلاغ عن نسبة قليلة فقط من الحوادث.</p><p data-block-key="79hsq">يمكن أن يكون الجناة غرباء يكتسبون ثقة كبار السن، ولكن يمكن أن يكونوا أيضًا أفرادًا من العائلة أو الأصدقاء. من المهم معرفة الإشارات التحذيرية.<a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/"> اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="5r221"></p><h2 data-block-key="59iv6"><b>عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري</b> (<b>Foreclosure relief scam)</b></h2><p data-block-key="ejvep">إن عمليات الاحتيال المتعلقة بالإعفاء من الحجز على الرهن العقاري وتعديل قروض الرهن العقاري هي مخططات لأخذ أموالك أو منزلك - غالبًا عن طريق تقديم وعد كاذب بإنقاذك من الحجز على الرهن العقاري. قد يطلب هؤلاء المحتالون المال مقدمًا ويدعون أنه يمكنك تغيير شروط الرهن العقاري الخاصة بك. إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري، فيمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية المدنية الأمريكية (HUD) إرشادك إلى الخيارات المتاحة أمامك مجانًا.<br/><br/></p><hr/><p data-block-key="iq45"></p><h2 data-block-key="e5kqh"><b>التنبيه من حالات الاحتيال للوقاية (Fraud alert for prevention)</b></h2><p data-block-key="8ukv5">التنبيه من حالات الاحتيال هو شيء يمكنك استخدامه لتقليل احتمالية تعرضك لسرقة هوية حساب جديد. يتطلب من الدائنين الذين يقومون بفحص تقرير الائتمان الخاص بك اتخاذ خطوات للتحقق من هويتك قبل فتح حساب جديد أو إصدار بطاقة إضافية أو زيادة حد الائتمان على حساب موجود. عندما تضع تنبيهًا بالاحتيال على تقرير الائتمان الخاص بك في إحدى شركات التقارير الائتمانية على مستوى الدولة، يجب على الشركة إخطار الآخرين.</p><p data-block-key="b5ss8">هناك نوعان رئيسيان من تنبيهات الاحتيال: تنبيهات الاحتيال الأولية والتنبيهات الموسعة. أعضاء الجيش لديهم خيار إضافي متاح لهم - تنبيهات الخدمة الفعلية، والتي توفر الحماية لأفراد الخدمة أثناء وجودهم في الخدمة الفعلية. <a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">اقرأ المزيد (باللغة الإنكليزية)</a>.<br/><br/></p><hr/><p data-block-key="dc2qp"></p><h2 data-block-key="5b9r5"><b>الاحتيال من قبل الوكلاء الائتمانيين (Fraud by fiduciaries)</b></h2><p data-block-key="8ahcn">الوكيل الائتماني هو الشخص الذي يدير أموال أو ممتلكات شخص آخر. على سبيل المثال، الوكلاء بموجب توكيل رسمي والأوصياء الذين تعينهم المحكمة هم الوكلاء الائتمانيون.</p><p data-block-key="ddalo">عندما يتم تسميتك بصفتك وكيلًا ائتمانيًا، فأنت ملزم بموجب القانون بإدارة أموال وممتلكات الشخص لصالحه، وليس لصالحك. عندما ينفق الوكيل الائتماني المال لمصلحته الخاصة، فقد يكون ذلك احتيالًا.<br/><br/></p><hr/><p data-block-key="ftmko"></p><h2 data-block-key="67d49"><b>سرقة الهوية (Identity theft)</b></h2><p data-block-key="3mof3">تحدث سرقة الهوية عندما يسرق شخص ما هويتك لارتكاب عملية احتيال.</p><p data-block-key="8akdk">قد تعني سرقة هويتك استخدام المعلومات الشخصية دون إذنك، مثل اسمك أو رقم الضمان الاجتماعي أو معلومات الحساب المصرفي أو رقم بطاقة الائتمان.<a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text"> تقدم لجنة التجارة الفيدرالية معلومات</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> حول منع سرقة الهوية والتحقق فيها.<br/><br/></p><hr/><p data-block-key="442r4"></p><h2 data-block-key="353ij"><b>عمليات احتيال منتحلي الشخصية (Imposter scams)</b></h2><p data-block-key="8vma3">يحاول المحتالون منتحلو الشخصية إقناعك بإرسال الأموال من خلال التظاهر بأنهم أشخاص تعرفهم أو تثق بهم مثل ضابط أمن المنطقة أو موظف حكومي محلي أو تابع للولاية أو فيدرالي أو منظمة خيرية. تذكر أنه يمكن تزوير معرف المتصل. يمكنك دائمًا الاتصال بالمنظمة أو الوكالة الحكومية والسؤال عما إذا كان الشخص يعمل لديهم قبل تقديم أي أموال.<br/><br/></p><hr/><p data-block-key="5q9fu"></p><h2 data-block-key="act1m"><b>الاحتيال عبر البريد (Mail fraud)</b></h2><p data-block-key="pk6">تبدو رسائل الاحتيال عبر البريد حقيقية لكن الوعود وهمية. الإشارات التحذيرية الشائعة هي رسالة تطلب منك إرسال أموال أو معلومات شخصية الآن للحصول على شيء ذي قيمة بعد إرسال الأموال أو المعلومات.<br/><br/></p><hr/><p data-block-key="6bc38"></p><h2 data-block-key="dfhub"><b>التصيد الاحتيالي (Phishing)</b></h2><p data-block-key="bplrc">في التصيد الاحتيالي، ينتحل المحتال شخصية شركة أو شخصًا لخداعك لتزويدهم بمعلوماتك الشخصية، مثل كلمات المرور أو أرقام بطاقات الائتمان أو معلومات الحساب المصرفي. قد يستخدم المحتال رسائل بريد إلكتروني أو رسائل نصية أو مواقع إلكترونية احتيالية لسرقة هذه المعلومات منك. قد تبدو رسائل البريد الإلكتروني أصلية.<br/><br/></p><hr/><p data-block-key="bskl7"></p><h2 data-block-key="c0gn6"><b>التجميد لأسباب أمنية للوقاية (Security freeze for prevention)</b></h2><p data-block-key="acnil">يمنع التجميد لأسباب أمنية الدائنين الجدد من الوصول إلى ملف الائتمان الخاص بك والآخرين من فتح الحسابات التي تتطلب فحصًا ائتمانيًا باسمك، حتى ترفع التجميد.</p><p data-block-key="clpha">نظرًا لأن معظم الشركات لن تفتح حسابات ائتمانية دون التحقق من تقرير الائتمان الخاص بك، فإن التجميد يمكن أن يمنع سارقي الهوية من فتح حسابات جديدة باسمك. ضع في اعتبارك أن التجميد لا يمنع سارقي الهوية من الاستيلاء على الحسابات الحالية. <a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">اقرأ المزيد (باللغة الإنكليزية)</a>.<br/><br/></p><hr/><p data-block-key="3tlbf"></p><h2 data-block-key="160d7"><b>الانتحال (Spoofing)</b></h2><p data-block-key="b61eg">يحدث الانتحال عندما يخفي المتصل المعلومات المعروضة في معرف المتصل الخاص بك. وهذا يعطي المتصل القدرة على إخفاء أو "انتحال" الاسم و / أو الرقم للظهور كما لو كانوا يتصلون بصفتهم شخص معين من مكان معين.<br/><br/></p><hr/><p data-block-key="4gm8u"></p><h2 data-block-key="b9rfv"><b>الاحتيال عبر التحويل الإلكتروني أو تحويل الأموال (Wire or money transfer fraud)</b></h2><p data-block-key="2au0u">يخدعك بعض المحتالين حتى تقوم بالتحويل الإلكتروني أو تحويل الأموال لسرقتها منك. أحد الأمثلة الشائعة على الاحتيال عبر التحويل الإلكتروني هو "الاحتيال على الأجداد". يحدث هذا عندما يتصل المحتال الذي يتظاهر بأنه حفيد أو صديق للحفيد ويقول إنه في بلد أجنبي، أو في مشكلة ما، ويحتاج إلى أموال عبر التحويل الإلكتروني أو مرسلة على الفور.</p><p data-block-key="5diuq"></p>
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diff --git a/www.consumerfinance.gov/language/ar/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/ar/how-to-avoid-foreclosure/index.html
new file mode 100644
index 000000000000..0ec228e34472
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/how-to-avoid-foreclosure/index.html
@@ -0,0 +1,1424 @@
+<!DOCTYPE html>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    </ul>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <div class="u-layout-grid_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Arabic)</div>
+<h1>كيفية تجنب الحجز على الرهن العقاري</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
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+                lang="zh-Hant"
+                hreflang="zh-Hant"
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+            <li>
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+                lang="vi"
+                hreflang="vi"
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+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/how-to-avoid-foreclosure/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/how-to-avoid-foreclosure/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">أهم شيء يمكنك القيام به عندما تواجه مشكلة في سداد الرهن العقاري هو أخذ زمام الأمور. في معظم الحالات، فإن أسوأ شيء يمكنك فعله هو لا شيء. والأخذ بزمام الأمور يعني اتخاذ أربع خطوات:</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc"><b>1. إجراء أو تلقي مكالمة هاتفية للحصول على المساعدة</b></h2><p data-block-key="4gmfc">خذ زمام الأمور عن طريق قبول مكالمات من محصّل أقساط الرهن العقاري الخاص بك. والأفضل من ذلك، اتصل بمحصّل أقساط الرهن العقاري بمجرد أن عرفت أنه لا يمكنك سداد دفعتك الشهرية. ورقم الهاتف موجود في فاتورتك الشهرية. وأخبر محصّل الأقساط الرهن العقاري الخاص بك عن سبب عدم قدرتك على سداد مدفوعاتك الشهرية واطلب منه  المساعدة في تجنب الحجز على الرهن العقاري.</p><h2 data-block-key="d6clm"><b>2. طلب مساعدة الخبراء المجانية</b></h2><p data-block-key="5o51r">قد يكون محصّل أقساط الرهن العقاري الخاص بك قادرًا على المساعدة إذا واجهتك مشكلة في سداد مدفوعات القرض. إذا لم تتمكن من الحصول على ما تحتاجه من محصّل الأقساط، فاطلب مساعدة الخبراء من وكالات الاستشارة السكنية القريبة منك. يمكن للمستشارين وضع خطة عمل مخصصة ومساعدتك في العمل مع شركة الرهن العقاري التي تتعامل معها. تفضل بزيارة <a href="/mortgagehelp/">consumerfinance.gov/mortgagehelp (قراءة باللغة الإنجليزية)</a> أو اتصل هاتفيا على الرقم <a href="tel:(800) 569-4287">(800) 569-4287</a> وأدخل الرمز البريدي الخاص بك، للعثور على مستشار إسكان معتمد من وزارة الإسكان والتنمية الحضرية (HUD).</p><h2 data-block-key="d532k"><b>3. توخي الحذر من عمليات الاحتيال</b></h2><p data-block-key="cv100">يحاول المحتالون الاستفادة من مالكي المنازل الذين يواجهون مشاكل عن طريق تحصيل الكثير من المال - تصل إلى آلاف الدولارات - مقابل وعود كاذبة بالمساعدة. لا يجب أن تدفع لأي شخص لمساعدتك في تجنب الحجز على الرهن العقاري. قد تكون المساعدة التي تحتاجها متاحة لك مجانًا من محصّل أقساط الرهن العقاري الخاص بك، أو من خلال إحدى الوكالات الاستشارية المتخصصة في الإسكان والمعتمدة من وزارة الإسكان والتنمية الحضرية (HUD).</p><h2 data-block-key="7bph8"><b>4. طلب المساعدة</b></h2><p data-block-key="9fvk">يجب على محصّل أقساط القرض المتعامل معك أن يتصل بك ويزودك بمعلومات دقيقة ويخبرك بخيارات تخفيف الخسارة التي قد تكون مؤهلاً لها. ويشير تخفيف الخسارة إلى الطرق التي يمكن أن يعمل معك محصّل أقساط القرض  لتجنب الحجز على الرهن العقاري. إذا أرسلت طلبًا كاملاً إلى محصّل أقساط الرهن العقاري الخاص بك في وقت مبكر بما يكفي، فسيكون على محصّل أقساط الرهن العقاري أن يخبرك بالخيارات المتاحة أمامك للاحتفاظ بمنزلك، أو مغادرة منزلك إذا كان ذلك أكثر منطقية.</p><p data-block-key="coipo">يتمتع مستشارو الإسكان بخبرة كبيرة في مساعدة الناس على تجنب الحجز على الرهن العقاري. يمكنهم مساعدتك في الخطوات المعقدة لفهم خياراتك والتقدم بطلب للحصول على المساعدة.</p><p data-block-key="c8ppk">لا يمكن لمحصّل أقساط الرهن العقاري تقديم إشعار أولي أو طلب حجز على الرهن العقاري إلا بعد أن تتأخر أكثر من 120 يومًا عن سداد مدفوعاتك. بالإضافة إلى ذلك، عند تقديم طلب كامل للحصول على المساعدة في الرهن العقاري في وقت مبكر بما يكفي، لا يمكن لمحصّل أقساط الرهن العقاري البدء في إجراءات الحجز على الرهن العقاري أثناء تقييمك أو إذا كنت تتابع متطلبات تعديل القرض. لذا أنجز الأمر ولا تتأخر. كلما أكملت تقديم الطلب مبكرًا، كلما زادت إجراءات الحماية التي تحصل عليها.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="2n95u"><b>كيفية اكتشاف عملية احتيالية للحجز على الرهن العقاري</b></h3><p data-block-key="28e9o">قد يخبرك منفذو العمليات الاحتيالية للحجز على الرهن العقاري بأنهم سينقذون منزلك من الحجز على الرهن العقاري، في حين أنهم في الحقيقة يأخذون أموالك فقط.</p><p data-block-key="ccijf">انتبه لعلامات التحذير من الاحتيال الآتية:</p><ul><li data-block-key="6dav">يُطلب منك الدفع مقدمًا للحصول على المساعدة.</li><li data-block-key="93nfg">تضمن الشركة أنها ستغير شروط الرهن العقاري الخاص بك.</li><li data-block-key="r8gd">تضمن الشركة أنك لن تفقد منزلك.</li><li data-block-key="51m4h">يُطلب منك التوقيع على نقل ملكية منزلك أو التوقيع على مستندات أخرى لا تفهمها.</li><li data-block-key="t6fa">يتم توجيهك لإرسال مدفوعاتك إلى شخص آخر بخلاف شركة الرهن العقاري أو محصّل أقساط الرهن العقاري المتعامل معك.</li><li data-block-key="fgck">تعرض الشركة إجراء "تدقيق شرعي للحسابات".</li><li data-block-key="3olvu">يُطلب منك التوقف عن سداد أقساط الرهن العقاري الخاص بك.</li><li data-block-key="cmu6b">تذكر الشركة أنها تابعة للحكومة، أو تستخدم شعارًا يشبه ختم الحكومة ولكنه مختلف قليلاً.</li></ul>
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+                <h3 data-block-key="64tlc"><b>تقديم شكوى بخصوص منتج أو خدمة مالية</b></h3><p data-block-key="7p86f">نرسل كل أسبوع أكثر من 10,000 شكوى حول المنتجات والخدمات المالية إلى الشركات للرد عليها. إذا كانت هناك وكالة أخرى قادرة على تقديم المساعدة بشكل أفضل، فسنرسلها إليهم ونعلمك بذلك. ومعظم الشركات تردّ في غضون 15 يومًا.</p><ul><li data-block-key="fjs4g"><a href="/complaint/">عبر الإنترنت (قراءة باللغة الإنجليزية)</a> <b>(باللغة الإنجليزية)</b></li><li data-block-key="2hqhr"><b>أو عن طريق الهاتف على الرقم</b> <a href="tel:(855) 411-2372"><b>(855) 411-2372</b></a><b> للمساعدة باللغة الإنجليزية،</b> و 180 لغة أخرى. يتم الرد على المكالمات عادةً في أقل من دقيقة واحدة. وستتم ترجمة شكواك إلى اللغة الإنجليزية وإرسالها إلى الشركة للرد عليها. عندما ترد الشركة، فإنها ترد عادةً باللغة الإنجليزية، ولكن يمكنك الاتصال بنا لسماع رد مترجم.</li></ul>
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diff --git a/www.consumerfinance.gov/language/ar/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/ar/mortgages-key-terms/index.html
new file mode 100644
index 000000000000..1b1e2927bd50
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/mortgages-key-terms/index.html
@@ -0,0 +1,1484 @@
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
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+       >
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+       >
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+       >
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+       >
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+       >
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+       href="/data-research/financial-well-being-survey-data/"
+       >
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+       >
+        Credit Card Surveys &amp; Agreements
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+       >
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+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+   href=/language/ar/auto-loan-key-terms/>
+    المصطلحات الرئيسية لقروض السيارات
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
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+    المصطلحات الرئيسية للحسابات المصرفية
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+    المصطلحات الرئيسية لبطاقة الائتمان
+</a>
+</li>
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+<a class="o-secondary-nav_link
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+    المصطلحات الرئيسية المتعلقة بالتقارير الائتمانية ودرجاتها
+</a>
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+</a>
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+    المصطلحات الرئيسية للرهون العقارية
+</a>
+</li>
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+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Mortgages key terms (in Arabic)</div>
+<h1>المصطلحات الرئيسية للرهون العقارية</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/mortgages-key-terms/"
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+                translate="no">English
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+            </li>
+            <li>
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+                lang="zh-Hant"
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+                translate="no">中文
+                </a>
+            </li>
+            <li>
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+                lang="vi"
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+                translate="no">Tiếng Việt
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+            <li>
+                <a href="/language/ko/mortgages-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/mortgages-key-terms/"
+                lang="tl"
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+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
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+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/mortgages-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>رهن عقاري قابل للتعديل 5/1 (5/1 Adjustable Rate Mortgage)</b></h2><p data-block-key="ddbh8">الرهن العقاري القابل للتعديل 5/1 (ARM) أو الرهن العقاري القابل للتعديل لمدة 5 سنوات هو قرض عقاري حيث "5" هو عدد السنوات التي سيبقى فيها سعر الفائدة الأولي ثابتًا. يمثل "1" عدد المرات التي سيتم فيها تعديل سعر الفائدة بعد انتهاء فترة الخمس سنوات الأولى. أكثر الفترات الثابتة شيوعًا هي 3 و 5 و 7 و 10 سنوات و "1" هي فترة التعديل الأكثر شيوعًا. من المهم قراءة العقد بعناية وطرح الأسئلة إذا كنت تفكر في الرهن العقاري القابل</p><p data-block-key="44qhh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">تعرف على المزيد حول كيفية تغيير الأسعار القابلة للتعديل.</a><br/><br/><br/></p><hr/><h2 data-block-key="e8e37"><br/>قاعدة القدرة على السداد (<b>Ability-to-repay rule)</b></h2><p data-block-key="f39o8">قاعدة القدرة على السداد هي القرار المعقول وحسن النية المطلوب من معظم مقرضي الرهن العقاري للتأكد من قدرتك على سداد القرض.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><p data-block-key="9850c"></p><h2 data-block-key="7ac0a"><b>الرهن العقاري القابل للتعديل (ARM) (Adjustable Rate Mortgage - ARM)</b></h2><p data-block-key="ee3lj">الرهن العقاري القابل للتعديل (ARM) هو نوع من القروض التي يمكن أن يتغير سعر الفائدة عليها، عادةً فيما يتعلق بمعدل فائدة المؤشر. سترتفع دفعاتك الشهرية أو تنخفض اعتمادًا على الفترة التمهيدية للقرض، والحد الأقصى لأسعار الفائدة، ومعدل الفائدة على المؤشر. مع الرهن العقاري القابل للتعديل، قد يبدأ معدل الفائدة والدفع الشهري أقل من الرهن العقاري ذي السعر الثابت، ولكن قد يزيد كل من معدل الفائدة والدفع الشهري بشكل كبير.<br/></p><p data-block-key="ft3r7">تعرف على المزيد حول <a href="/owning-a-home/loan-options/">كيفية عمل الرهن العقاري القابل للتعديل وما يجب مراعاته</a>. <br/><br/><br/></p><hr/><h2 data-block-key="cuq9b"><br/>استهلاك القروض (<b>Amortization)</b></h2><p data-block-key="bc528">يعني الاستهلاك سداد القرض بدفعات منتظمة بمرور الوقت، بحيث يتناقص المبلغ المستحق عليك مع كل دفعة. يتم استهلاك معظم قروض الإسكان، لكن بعض قروض الرهن العقاري لا يتم استهلاكها بالكامل، مما يعني أنك ستظل مدينًا بالمال بعد سداد جميع مدفوعاتك.</p><p data-block-key="3ss0c"></p><p data-block-key="dusaq">تسمح بعض قروض الإسكان بمدفوعات تغطي فقط مبلغ الفائدة المستحقة، أو مبلغ أقل من الفائدة المستحقة. إذا كانت المدفوعات أقل من مبلغ الفائدة المستحقة كل شهر، فسوف يزيد رصيد حساب الرهن العقاري بدلاً من أن ينقص. وهذا ما يسمى بالاستهلاك السلبي. قد تتطلب برامج القروض الأخرى التي لا يتم استهلاكها بالكامل أثناء القرض دفعة كبيرة "بالوني" في نهاية مدة القرض. تأكد من أنك تعرف نوع القرض الذي تحصل عليه.</p><p data-block-key="et3g6"></p><p data-block-key="b4us6"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="23tal"><br/>المبلغ الممول (<b>Amount financed)</b></h2><p data-block-key="bc9cl">هذا يعني مبلغ المال الذي تقترضه من المُقرض، مطروحًا منه معظم الرسوم المسبقة التي يفرضها عليك المُقرض.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">اقرأ المزيد (باللغة الإنكليزية)</a></p><hr/><p data-block-key="1n2q8"></p><h2 data-block-key="64sg7"><b>الدخل السنوي (Annual income)</b></h2><p data-block-key="66c15">الدخل السنوي هو عامل في طلب قرض الرهن العقاري ويشير عمومًا إلى إجمالي الدخل المكتسب قبل الضريبة على مدار عام. قد يشمل الدخل السنوي الدخل من العمل بدوام كامل أو بدوام جزئي، أو العمل الحر، أو الإكراميات، أو العمولات، أو العمل الإضافي، أو المكافآت، أو مصادر أخرى. سوف يستخدم المُقرض معلومات حول دخلك السنوي وديونك الشهرية الحالية لتحديد ما إذا كان لديك القدرة على سداد القرض.</p><p data-block-key="358lb">يعتمد غالبًا ما إذا كان المقرض سيعتمد على مصدر دخل أو مبلغ معين عند دراسة حصولك على قرض على ما إذا كان يمكنك توقع استمرار الدخل بشكل معقول.</p><p data-block-key="aa1gc"></p><p data-block-key="dakp7"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">تعرف على المزيد حول سبب أهمية قدرتك على السداد للمقرضين.</a><br/><br/><br/></p><hr/><h2 data-block-key="1f1pr"><br/>معدل الفائدة السنوية المئوية (APR) (<b>Annual Percentage Rate - APR)</b></h2><p data-block-key="alb59">معدل الفائدة السنوية المئوية (APR) هو مقياس أوسع لتكلفة اقتراض الأموال من معدل الفائدة. يعكس معدل الفائدة السنوية معدل الفائدة وأي نقاط ورسوم سمسرة الرهن العقاري والرسوم الأخرى التي تدفعها للحصول على القرض. لهذا السبب، عادةً ما يكون معدل الفائدة السنوية الخاص بك أعلى من معدل الفائدة الخاص بك.</p><p data-block-key="fis1v"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">تعلم كيفية مقارنة معدلات النسبة السنوية</a><br/><br/><br/></p><hr/><h2 data-block-key="46gqj"><br/>رسوم التقييم (<b>Appraisal fee)</b></h2><p data-block-key="e0kh1">رسوم التقييم هي تكلفة تقييم المنزل لمنزل تخطط لشرائه أو تملكه بالفعل. توفر تقييمات المنازل تقييمًا مستقلاً لقيمة العقار. في معظم الحالات، يعود اختيار المثمن وأي تكاليف مرتبطة به إلى المقرض الخاص بك.</p><p data-block-key="9387l"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل</a><br/><br/><br/></p><hr/><h2 data-block-key="cng2m"><br/>الدفع الأوتوماتيكي (<b>Automatic payment)</b></h2><p data-block-key="43nsa">تسمح لك المدفوعات الأوتوماتيكية بإعداد مدفوعات الرهن العقاري المتكررة من خلال البنك الذي تتعامل معه. يمكن أن تكون المدفوعات الأوتوماتيكية طريقة مناسبة للتأكد من قيامك بسداد مدفوعاتك في الوقت المحدد.<br/><br/><br/></p><hr/><h2 data-block-key="15rdv"><br/>قرض البالون (<b>Balloon loan)</b></h2><p data-block-key="97p94">بالنسبة إلى الرهون العقارية، يعني قرض البالون أن القرض يحتوي على دفعة أكبر من المعتاد لمرة واحدة، وعادةً ما يكون ذلك في نهاية مدة القرض. يُطلق على الدفعة لمرة واحدة اسم "دفعة البالون"، وهي أعلى من مدفوعاتك الأخرى، وأحيانًا تكون أعلى من ذلك بكثير. إذا لم تتمكن من دفع مبلغ البالون، فقد تضطر إلى إعادة التمويل أو بيع منزلك أو مواجهة الحجز على الرهن العقاري.</p><p data-block-key="5ovcg"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">اكتشف لماذا قد تكون قروض البالون محفوفة بالمخا</a><br/><br/><br/></p><hr/><h2 data-block-key="17smf"><br/>الدفع نصف الشهري (<b>Bi-weekly payment)</b></h2><p data-block-key="6t2mv">في خطة الدفع نصف الشهري، يقوم موظف خدمات الرهن العقاري بتحصيل نصف مدفوعاتك الشهرية كل أسبوعين، مما يؤدي إلى 26 دفعة على مدار العام (بإجمالي دفعة شهرية إضافية واحدة في السنة). من خلال سداد دفعات إضافية وتطبيق مدفوعاتك على الأصل، قد تتمكن من سداد قرضك مبكرًا. قبل اختيار دفعة نصف شهرية، تأكد من مراجعة شروط القرض الخاص بك لمعرفة ما إذا كنت ستخضع لغرامة السداد المسبق إذا قمت بذلك. تحقق مما إذا كان مقدم الخدمة الخاص بك يتقاضى أي رسوم لخطة الدفع نصف الشهرية. قد تكون قادرًا على تحقيق نفس الهدف بدون رسوم عن طريق سداد دفعة شهرية إضافية للرهن العقاري كل عام.<br/><br/><br/></p><hr/><h2 data-block-key="dslgb"><br/>الكشف الختامي (<b>Closing Disclosure)</b></h2><p data-block-key="9uc5e">الكشف الختامي هو نموذج مطلوب من خمس صفحات يوفر التفاصيل النهائية حول قرض الرهن العقاري الذي حددته. يتضمن بنود القرض، ودفعاتك الشهرية المتوقعة، والمبلغ الذي ستدفعه في الرسوم والتكاليف الأخرى للحصول على الرهن العقاري الخاص بك.</p><p data-block-key="9ibqf"><a href="/owning-a-home/closing-disclosure/">تعرف على كيفية التحقق مرة أخرى من صحة جميع التفاصيل المتعلقة بالقرض الخاص بك في الكشف الختامي الخاص بك.</a><br/><br/><br/></p><hr/><h2 data-block-key="7quo4"><br/>قرض البناء (<b>Construction loan)</b></h2><p data-block-key="74ff9">عادةً ما يكون قرض البناء عبارة عن قرض قصير الأجل يوفر أموالًا لتغطية تكلفة بناء أو إعادة تأهيل منزل.</p><p data-block-key="5oncd"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="/ask-cfpb/what-is-a-construction-loan-en-108/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="b5cit"></p><hr/><p data-block-key="ba88e"></p><h2 data-block-key="90scg"><b>القرض التقليدي (Conventional loan)</b></h2><p data-block-key="cp4p5">القرض التقليدي هو أي قرض رهن عقاري غير مؤمن عليه أو مضمون من قبل الحكومة (مثل إدارة الإسكان الفيدرالية أو إدارة شؤون المحاربين القدامى أو برامج قروض إدارة الزراعة).</p><p data-block-key="77fu7">تعرف على المزيد حول <a href="/owning-a-home/loan-options/conventional-loans/">حول القروض التقليدية وأنواع القروض الأخرى.</a><br/><br/><br/></p><hr/><h2 data-block-key="25sj0"><br/>المُوقع المشارك أو المقترض المشارك (<b>Co-signer or co-borrower)</b></h2><p data-block-key="28sg7">المُوقع المشارك أو المقترض المشارك هو الشخص الذي يوافق على تحمل المسؤولية الكاملة لسداد قرض الرهن العقاري معك. هذا الشخص ملزم بدفع أي مدفوعات فائتة وحتى المبلغ الكامل للقرض إذا لم تدفع. تميّز بعض برامج الرهن العقاري المُوقع المشارك على أنه شخص ليس على السند وليس له أي مصلحة في ملكية المنزل المرهون. إن وجود مُوقع مشارك أو مقترض مشارك على قرض الرهن العقاري الخاص بك يمنح المقرض ضمانًا إضافيًا بأن القرض سيتم سداده. لكن السجل الائتماني والمالي للمُوقع المشارك أو المقترض المشارك في خطر إذا لم تسدد القرض.</p><p data-block-key="403m5"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="ashhh"><br/>سجل الائتمان (<b>Credit history)</b></h2><p data-block-key="b2o9q">سجل الائتمان هو سجل لحساباتك الائتمانية وتاريخ الدفع الخاص بك في الوقت المحدد كما هو موضح في تقرير الائتمان الخاص بك. تقوم شركات تقارير المستهلك، المعروفة أيضًا باسم شركات إعداد التقارير الائتمانية، بجمع وتحديث المعلومات المتعلقة بسجلك الائتماني وتقديمه إلى الشركات الأخرى التي تستخدمه لاتخاذ قرارات بشأنك. تحتوي تقارير الائتمان على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية.</p><p data-block-key="al8t1"><a href="/owning-a-home/prepare/check-your-credit/">تعرف على المزيد حول التحقق من سجلك الائتماني قبل شراء منزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="78fgr"><br/>تقرير الائتمان (<b>Credit report)</b></h2><p data-block-key="j1r9">تقرير الائتمان عبارة عن بيان يحتوي على معلومات حول نشاطك الائتماني والوضع الائتماني الحالي مثل تاريخ سداد القرض وحالة حساباتك الائتمانية. يستخدم المقرضون نقاط الأهلية الائتمانية والمعلومات الواردة في تقرير الائتمان الخاص بك لتحديد ما إذا كنت مؤهلاً للحصول على قرض وما هو معدل الفائدة الذي تقدمه لك.</p><p data-block-key="cf5lq">تعرف على كيفية <a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">الحصول على نسخة من تقارير الائتمان الخاصة بك</a>. <br/><br/><br/></p><hr/><h2 data-block-key="afid1"><br/>نقاط الأهلية الائتمانية (<b>Credit score)</b></h2><p data-block-key="fba4u">تتوقع نقاط الأهلية الائتمانية مدى احتمالية سداد القرض في الوقت المحدد. تستخدم الشركات صيغة رياضية - تسمى نموذج حساب النقاط - لإنشاء نقاط الأهلية الائتمانية الخاصة بك من المعلومات الواردة في تقرير الائتمان الخاص بك. هناك نماذج مختلفة لحساب النقاط، لذلك ليس لديك نقاط أهلية ائتمانية واحدة فقط. تعتمد نقاطك على تاريخك الائتماني، ونوع منتج القرض، وحتى اليوم الذي تم فيه حسابه.</p><p data-block-key="64ig3">اكتشف <a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">أين يمكنك الحصول على نقاط الأهلية الائتمانية الخاصة بك</a>. <br/><br/><br/></p><hr/><h2 data-block-key="4ul8r"><br/>نسبة الديون (<b>Debt ratio)</b></h2><p data-block-key="9pot">نسبة الديون إلى الدخل هي جميع مدفوعات الديون الشهرية مقسومة على الدخل الشهري الإجمالي. هذا الرقم هو أحد الطرق التي يقيس بها المقرضون قدرتك على إدارة المدفوعات الشهرية لسداد الأموال التي تخطط لاقتراضها.</p><p data-block-key="cifa6">تعرف على كيفية <a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">حساب نسبة الدين إلى الدخل</a>. <br/><br/><br/></p><hr/><h2 data-block-key="df5el"><br/>سند الملكية بدل الحجز على الرهن العقاري <span id="deedinlieuofforeclosure">(<b>Deed-in-lieu of foreclosure)</span></b></h2><p data-block-key="25reh">سند الملكية بدل الحجز على الرهن العقاري هو إجراء تسوية حيث تقوم طواعية بتسليم ملكية منزلك إلى المقرض لتجنب عملية الحجز على الرهن العقاري. قد يساعدك سند الملكية بدل الحجز على الرهن العقاري على تجنب تحمل المسؤولية الشخصية عن أي مبلغ متبقي في الرهن العقاري. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك. سند الملكية بدل الحجز على الرهن العقاري هو أحد أنواع <a href="#lossmitigation">التخفيف من الخسارة</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6f1nj"><br/>المدفوعات المتأخرة (<b>Delinquent)</b></h2><p data-block-key="7f6bv">تعد المدفوعات المتأخرة مصطلح آخر للتأخر في سداد مدفوعاتك. يمكن أن يصبح قرضك متأخرًا في السداد عندما يفوتك السداد أو لا تسدد دفعة كاملة بحلول تاريخ الاستحقاق. في حال كونك متأخرًا عن السداد لفترة معينة من الوقت، يجوز للمقرض أو مقدم الخدمة أن يبدأ عملية الحجز على الرهن العقاري. قد تختلف الفترة الزمنية حسب الولاية.</p><p data-block-key="8p1md">قد تنطبق القواعد الفيدرالية أيضًا على وقت بدء عملية الحجز على الرهن العقاري. <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">تعرف على المزيد حول الخيارات المتاحة أمامك إذا لم تتمكن من سداد قرضك العقاري.</a></p><h4 data-block-key="bagb5"><b>إذا كنت متأثرًا بفيروس كورونا</b></h4><p data-block-key="7s3cf">احصل على مزيد من <a href="/coronavirus/mortgage-and-housing-assistance/">من المعلومات حول خيارات الإعفاء من الرهن العقاري.</a><br/><br/><br/></p><hr/><h2 data-block-key="cmu5j"><br/>ميزة الطلب (<b>Demand feature)</b></h2><p data-block-key="33l44">يحتوي الكشف الختامي على بيان نصه "يتضمن قرضك على ميزة الطلب"، والتي يتم تحديدها "نعم" أو "لا". تسمح ميزة الطلب للمقرض بطلب السداد المبكر للقرض.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="1ho6l"><br/>الدفعة الأولى (<b>Down payment)</b></h2><p data-block-key="1hi0i">الدفعة الأولى هي المبلغ الذي تدفعه مقابل المنزل مقدمًا. يمكنك خفض نسبة مئوية من قيمة المنزل وتقترض الباقي من خلال قرض الرهن العقاري الخاص بك. بشكل عام، كلما زادت الدفعة الأولى، انخفض معدل الفائدة الذي ستحصل عليه وزادت احتمالية الموافقة على القرض.</p><p data-block-key="7vb8m"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">تعرف على المزيد حول تحديد الدفعة الأولى.</a><br/><br/><br/></p><hr/><h2 data-block-key="4rouf"><br/>برامج الدفعة الأولى أو المنح (<b>Down payment programs or grants)</b></h2><p data-block-key="3ufbb">عادةً ما تشير منحة أو برنامج الدفعة الأولى إلى المساعدة التي تقدمها منظمة مثل الحكومة أو وكالة غير ربحية، إلى مشتري منزل لمساعدتهم في الدفعة الأولى لشراء منزل. قد يتم تقديم الأموال كمنحة صريحة أو قد تتطلب السداد، كما هو الحال عند بيع المنزل.</p><p data-block-key="fik3i"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">فهم أين يمكنك الحصول على معلومات عن برامج الدفعة الأولى والمنح.</a><br/><br/><br/></p><hr/><h2 data-block-key="fhhud"><br/>العربون (<b>Earnest money)</b></h2><p data-block-key="4jsa5">العربون عبارة عن وديعة يدفعها المشتري لإظهار حسن النية على اتفاقية عقد موقعة لشراء منزل. يُحتفظ بالوديعة من قبل بائع أو طرف ثالث مثل وكيل عقارات أو شركة ملكية. إذا تم الانتهاء من بيع المنزل أو "إغلاقه"، فقد يُستخدم العربون في تكاليف الإغلاق أو الدفعة الأولى. إذا فسخ العقد لسبب جائز، يُعاد العربون إلى المشتري. إذا لم يعمل المشتري بحسن نية، فقد يتم مصادرة العربون ودفعها للبائع.</p><p data-block-key="d11tt"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="6l18a"><br/>حصة الملكية (<b>Equity)</b></h2><p data-block-key="bmmbe">حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك.</p><p data-block-key="7j93j"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">تعرف على ما هو قرض ملكية المنزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="9pco8"><br/>الضمان <span id="escrow">(<b>Escrow)</span></b></h2><p data-block-key="dpp1r">يتم إنشاء حساب ضمان بواسطة مُقرض الرهن العقاري لدفع بعض النفقات المتعلقة بالعقار، مثل ضرائب العقار والتأمين على المنزل. يذهب جزء من دفعتك الشهرية إلى الحساب. إذا لم يكن الرهن العقاري الخاص بك يحتوي على حساب ضمان، فعليك دفع المصاريف المتعلقة بالعقار مباشرة.<br/></p><p data-block-key="2t065">اكتشف المزيد حول <a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">كيفية تأثير الضمان على مدفوعات الرهن العقاري الشهرية</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3703a"><br/>الرابطة الوطنية الاتحادية للرهن العقاري (<b>Fannie Mae)</b></h2><p data-block-key="4ga2j">تشتري الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) القروض العقارية وتضمنها من مؤسسات الإقراض في محاولة لزيادة الإقراض ميسور التكلفة. الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) ليست وكالة فيدرالية. إنها مؤسسة ترعاها الحكومة تحت وصاية الوكالة الفيدرالية لتمويل الإسكان (FHFA).</p><p data-block-key="69bfp"><a href="/owning-a-home/loan-options/conventional-loans/">تعرف على المزيد حول القروض التقليدية.</a><br/><br/><br/></p><hr/><h2 data-block-key="96qsr"><br/>رسوم تمويل قروض إدارة الإسكان الفيدرالية (FHA) (<b>FHA funding fee)</b></h2><p data-block-key="44cqr">تتطلب إدارة الإسكان الفيدرالية (FHA) رسوم تمويل قروض إدارة الإسكان الفدرالية وقسط تأمين شهري (MIP) لمعظم برامج الأسرة الواحدة. يُطلق على قسط تأمين الرهن العقاري مقدمًا أحيانًا اسم قسط تأمين الرهن العقاري مقدمًا (UFMIP).</p><p data-block-key="5elvn"><a href="/owning-a-home/loan-options/fha-loans/">معرفة ما إذا كان الرهن العقاري لإدارة الإسكان الفيدرالية هو المناسب لك.</a><br/><br/><br/></p><hr/><h2 data-block-key="88upt"><br/>قروض إدارة الإسكان الفيدرالية (FHA) (<b>FHA loan)</b></h2><p data-block-key="36nd7">قروض إدارة الإسكان الفيدرالية(FHA) هي قروض من جهات إقراض خاصة تخضع للتنظيم والتأمين من قبل إدارة الإسكان الفيدرالية (FHA). تختلف قروض إدارة الإسكان الفدرالية عن القروض التقليدية لأنها تسمح بنقاط أهلية ائتمانية أقل ودفعات أولى منخفضة تصل إلى 3.5 في المائة من إجمالي مبلغ القرض. تختلف مبالغ القرض القصوى حسب المقاطعة.</p><p data-block-key="ct2d2"><a href="/owning-a-home/loan-options/fha-loans/">تعرف على هذا الخيار وغيره من خيارات قروض الرهن العقاري.</a><br/><br/><br/></p><hr/><h2 data-block-key="ltuo"><br/>حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية (FHA) (<b>FHA mortgage limits)</b></h2><p data-block-key="3c4mq">حدود الرهن العقاري لقروض إدارة الإسكان الفدرالية هي حدود المبلغ بالدولار للرهون العقارية المؤهلة التي ستؤمنها قروض إدارة الإسكان الفيدرالية كجزء من برنامج الرهن العقاري للأسرة الواحدة. تستند هذه الحدود إلى الموقع ويمكن مراجعتها كل عام.</p><p data-block-key="4fk37"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">استخدم أداة إدارة الإسكان الفيدرالية (FHA) للبحث عن حدود القرض على مستوى المقاطعة.</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a><br/><br/><br/></p><hr/><h2 data-block-key="ah797"><br/>رسوم التمويل (<b>Finance charge)</b></h2><p data-block-key="7j1q8">رسوم التمويل هي المبلغ الإجمالي للفائدة ورسوم القرض التي ستدفعها طوال مدة قرض الرهن العقاري.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="tcjb"><br/>برامج قروض مشتري المنازل لأول مرة (FTHB) (<b>First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="dpmjo">قد يستخدم مشترو المنازل لأول مرة (FTHB) عددًا من أنواع مختلفة من برامج القروض لشراء منزلهم الأول. تشمل قروض مشتري المنازل لأول مرة (FTHB) الشهيرة البرامج التي تقدمها إدارة الإسكان الفدرالية (FHA) و إدارة شؤون المحاربين القدامى (VA) وإدارة الزراعة الأمريكيةUSDA) ) والرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) بدفعات مقدمة منخفضة. تحدد بعض البرامج مشتري المنازل لأول مرة (FTHB) على أنه شخص لم يشتر منزلًا منذ ثلاث سنوات أو أكثر.</p><p data-block-key="7lvrq"><a href="/owning-a-home/loan-options/">فهم خيارات القرض الخاص بك.</a><br/><br/><br/></p><hr/><h2 data-block-key="eh0f3"><br/>الرهن العقاري بسعر ثابت (<b>Fixed-rate mortgage)</b></h2><p data-block-key="dfsdg">الرهن العقاري بسعر ثابت هو نوع من أنواع القروض العقارية التي يتم تحديد معدل الفائدة عليها عند الحصول على القرض ولن يتغير خلال مدة القرض.</p><p data-block-key="3hils">تعرف على المزيد حول <a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">كيفية عمل الرهون العقارية ذات السعر الثابت</a> وما يجب مراعاته. <br/><br/><br/></p><hr/><h2 data-block-key="buac"><br/>الإمهال <span id="forbearance">(<b>Forbearance)</span></b></h2><p data-block-key="eepmr">الإمهال هو عندما يسمح لك مقدم الخدمة الخاص بك مؤقتًا بدفع الرهن العقاري الخاص بك بمعدل أقل أو التوقف مؤقتًا عن سداد الرهن العقاري الخاص بك. قد يمنحك مقدم الخدمة الإمهال، على سبيل المثال، إذا فقدت وظيفتك مؤخرًا، أو تعرضت لكارثة، أو من مرض أو إصابة أدت إلى زيادة تكاليف الرعاية الصحية الخاصة بك. الإمهال هو أحد أنواع<a href="#lossmitigation">تخفيف الخسارة</a>.</p><p data-block-key="aq734"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">تعرف على المزيد حول الإمهال في الرهن العقاري</a></p><p data-block-key="2nqpe">اعتمادًا على نوع القرض الذي لديك، قد تكون هناك خيارات مختلفة عن الإمهال. يجب عليك الاتصال بخدمة القرض لطلب الإمهال. تذكر أنه سيتعين عليك تعويض هذه المدفوعات الفائتة أو المخفضة عندما تنتهي فترة الإمهال الخاصة بك.</p><h4 data-block-key="eorp4"><b>إذا كنت متأثرًا بفيروس كورونا</b></h4><p data-block-key="tp9f">احصل على المزيد من <a href="/coronavirus/mortgage-and-housing-assistance/">المعلومات حول خيارات الإعفاء من الرهن العقاري</a>. <br/><br/><br/></p><hr/><h2 data-block-key="cgb97"><br/>التأمين الجبري (<b>Force-placed insurance)</b></h2><p data-block-key="b4q6u">قد يطلب مقدم الخدمة تأمينًا إجباريًا عندما لا يكون لديك بوليصة تأمين خاصة بك أو إذا كانت وثيقتك الخاصة لا تفي بمتطلبات مقدم الخدمة الخاص بك. عادةً ما يحمي التأمين الجبري المُقرض فقط وليس أنت. سيحاسبك مقدم الخدمة على التأمين. عادةً ما يكون التأمين الجبري أكثر تكلفة من العثور على بوليصة تأمين بنفسك.<br/><br/><br/></p><hr/><h2 data-block-key="57iuk"><br/>الحجز على الرهن العقاري (<b>Foreclosure)</b></h2><p data-block-key="2n36f">الحجز على الرهن العقاري هو عندما يستعيد المقرض أو مقدم الخدمة العقار بعد فشل صاحب المنزل في سداد مدفوعات الرهن العقاري. في بعض الولايات، يتعين على المُقرض أن يلجأ إلى المحكمة للحجز على الرهن العقاري على عقارك (الحجز على الرهن العقاري القضائي)، لكن الولايات الأخرى لا تتطلب إجراءات قضائية (الحجز على الرهن العقاري غير القضائي). بشكل عام، يجب إخطار المقترضين إذا بدأ المقرض أو مقدم الخدمة إجراءات الحجز على الرهن العقاري. قد تنطبق القواعد الفيدرالية عندما يبدأ الحجز على الرهن العقاري.</p><p data-block-key="4ovmd">إذا كنت قلقًا بشأن الحجز على الرهن العقاري،<a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">فتعرف على كيفية الحصول على المساعدة</a>.</p><h4 data-block-key="35ovd"><b>إذا كنت متأثرًا بفيروس كورونا</b></h4><p data-block-key="am3gk">احصل على المزيد من <a href="/coronavirus/mortgage-and-housing-assistance/">المعلومات حول خيارات الإعفاء من الرهن العقاري</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6p2n4"><br/>المؤسسة الفيدرالية لقرض الرهن العقاري (<b>Freddie Mac)</b></h2><p data-block-key="djpuv">المؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) هي شركة خاصة أسسها الكونجرس. وتتمثل مهمتها في تعزيز الاستقرار والقدرة على تحمل التكاليف في سوق الإسكان من خلال شراء الرهون العقارية من البنوك وغيرها من صانعي القروض. تخضع الشركة حاليًا للوصاية، تحت إشراف الوكالة الفيدرالية لتمويل الإسكان (FHFA).</p><p data-block-key="2tgaq"><a href="/owning-a-home/loan-options/conventional-loans/">تعرف على المزيد حول القروض التقليدية</a><br/><br/><br/></p><hr/><h2 data-block-key="2hq38"><br/>تقدير حسن النية (<b>Good Faith Estimate)</b></h2><p data-block-key="dn13a">تقدير حسن النية (GFE) هو شكل يجب على المُقرض منحك إياه عند التقدم بطلب للحصول على رهن عقاري عكسي. يسرد تقدير حسن النية (GFE) المعلومات الأساسية حول شروط عرض قرض الرهن العقاري العكسي.<br/></p><p data-block-key="5lbfo">اكتشف متى تتلقى <a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">تقدير حسن النية</a>. <br/><br/><br/></p><hr/><h2 data-block-key="81em0"><br/>رسوم التسجيل الحكومية (<b>Government recording charges)</b></h2><p data-block-key="c2pb3">رسوم التسجيل الحكومية هي رسوم يتم تقييمها من قبل الوكالات الحكومية بالولاية والمحلية للتسجيل القانوني لسندك العقاري ورهنك العقاري والمستندات المتعلقة بقرض منزلك.</p><p data-block-key="eoarn"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="c36ft"></p><hr/><p data-block-key="ccak2"></p><h2 data-block-key="eeieh"><b>قرض عقاري عالي السعر (Higher-priced mortgage loan)</b></h2><p data-block-key="8i1cv">بشكل عام، يعتبر قرض الرهن العقاري عالي السعر قرضًا بمعدل نسبة مئوية سنوي، أو معدل الفائدة السنوية المئوية (APR)، أعلى من معدل معياري يسمى متوسط سعر العرض الرئيسي.</p><p data-block-key="2mltc"><a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">اقرأ المزيد (باللغة الإنكليزية)</a></p><p data-block-key="6p89l"></p><hr/><p data-block-key="6jjf7"></p><h2 data-block-key="aao5o"><b>مستحقات جمعية مالكي العقارات (HOA) (HOA dues)</b></h2><p data-block-key="3tjml">إذا كنت مهتمًا بشراء شقة أو مساكن تعاونية أو منزل في تقسيم فرعي مخطط له أو مجتمع منظم آخر مع خدمات مشتركة، فعادةً ما يتعين عليك دفع رسوم الشقة أو مستحقات جمعية مالكي العقارات (HOA). تختلف هذه الرسوم بشكل كبير. عادةً ما يتم دفع رسوم الشقة أو جمعية مالكي العقارات (HOA) بشكل منفصل عن مدفوعات الرهن العقاري الشهرية. إذا لم تدفع هذه الرسوم، فقد تواجه جهود تحصيل الديون من قبل جمعية مالكي العقارات وحتى الحجز على الرهن العقاري.</p><p data-block-key="1s4v0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">تعرف على المزيد حول عملية شراء المنزل.</a><br/><br/><br/></p><hr/><h2 data-block-key="at25"><br/>تقييم المنزل (<b>Home appraisal)</b></h2><p data-block-key="hhcs">التقييم هو مستند مكتوب يظهر رأيًا في قيمة العقار. يمنحك التقييم معلومات مفيدة حول العقار. يصف ما يجعله ذا قيمة وقد يُظهر كيفية مقارنته بالعقارات الأخرى في الحي. التقييم هو تقدير مستقل لقيمة العقار.</p><p data-block-key="8b1p7">تعرف على المزيد حول <a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">سبب أهمية التقييمات</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6vtfq"><br/>خط ائتمان حقوق الملكية العقارية (HELOC) (<b>Home equity line of credit - HELOC)</b></h2><p data-block-key="6d3im">خط ائتمان حقوق الملكية العقارية (HELOC) هو خط ائتمان يسمح لك بالاقتراض مقابل ملكية منزلك. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. على عكس قرض حصة الملكية، عادةً ما يكون لدى خط ائتمان حقوق الملكية العقارية معدلات فائدة قابلة للتعديل. بالنسبة لمعظم خطوط ائتمان حقوق الملكية العقارية، ستتلقى شيكات خاصة أو بطاقة ائتمان، ويمكنك اقتراض المال لفترة محددة من وقت فتح حسابك. تُعرف هذه الفترة الزمنية باسم "فترة السحب". خلال "فترة السحب"، يمكنك اقتراض الأموال، ويجب عليك سداد الحد الأدنى من المدفوعات. عندما تنتهي "فترة السحب"، لن تتمكن من اقتراض الأموال من حد الائتمان الخاص بك. بعد انتهاء "فترة السحب"، قد يُطلب منك سداد رصيدك دفعة واحدة أو قد يُسمح لك بالسداد خلال فترة زمنية معينة. إذا كنت لا تستطيع سداد خط ائتمان حقوق الملكية العقارية، يمكن للمقرض نزع ملكية منزلك.<br/><br/><br/></p><hr/><h2 data-block-key="fuo1i"><br/>قرض ملكية المنزل (<b>Home equity loan)</b></h2><p data-block-key="c33fj">يسمح لك قرض ملكية المنزل (يسمى أحيانًا HEL) باقتراض الأموال باستخدام حقوق الملكية في منزلك كضمان سداد. حصة الملكية هي مبلغ قيمة عقارك حاليًا مطروحًا منه مبلغ أي رهن عقاري موجود على عقارك. تتلقى المال من قرض شراء منزل كمبلغ مقطوع. عادة ما يكون لقرض الملكية العقارية معدل فائدة ثابت - وهو سعر لا يتغير. إذا لم تتمكن من تسديد قرض ملكية المنزل، يمكن للمقرض نزع ملكية منزلك.<br/><br/><br/></p><hr/><h2 data-block-key="77jlv"><br/>فحص المنزل (<b>Home inspection)</b></h2><p data-block-key="7gacv">غالبًا ما يكون فحص المنزل جزءًا من عملية شراء المنزل. عادةً ما يكون لديك الحق في تعيين مفتش منزل لفحص العقار والإشارة إلى نقاط القوة والضعف فيه. غالبًا ما يكون هذا مفيدًا بشكل خاص لاختبار الأنظمة الهيكلية والميكانيكية للمنزل بما في ذلك التدفئة والتهوية وتكييف الهواء والكهرباء.</p><p data-block-key="7al0k"><a href="/owning-a-home/close/schedule-home-inspection/">تعرف على كيفية تحديد موعد الفحص</a><br/><br/><br/></p><hr/><h2 data-block-key="a5nim"><br/>جمعية مالكي العقارات (HOA) (<b>Homeowners’ Association - HOA)</b></h2><p data-block-key="82rgh">عادة ما يتم تشكيل جمعية مالكي العقارات (HOA) لإدارة النفقات المشتركة مثل تنسيق الحدائق وتكاليف الصيانة الأخرى للتقسيم الفرعي المخطط له أو مجتمع منظم آخر. تأخذ جمعيات مالكي وحدات المنازل السكنية المزيد من المسؤوليات بما في ذلك، على سبيل المثال، صيانة الممرات والمبان المشتركة والأسقف.</p><p data-block-key="8lrak"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">احصل على مزيد من المعلومات حول كيفية ظهور جمعيات مالكي العقارات في بيان الرهن العقاري الخاص بك.</a> <br/><br/><br/></p><hr/><h2 data-block-key="241og"><br/>تأمين أصحاب المنازل (<b>Homeowner's insurance)</b></h2><p data-block-key="53d1u">يدفع تأمين أصحاب المنزل الخسائر والأضرار التي تلحق بممتلكاتك في حالة حدوث شيء غير متوقع، مثل الحريق أو السطو. عندما يكون لديك رهن عقاري، يريد المُقرض الخاص بك التأكد من حماية عقارك عن طريق التأمين. لهذا السبب يطلب المقرضون عمومًا دليلًا على أن لديك تأمين أصحاب المنازل. يختلف تأمين مالك المنزل عن <a href="#mortgageinsurance">تأمين الرهن العقاري</a>.<br/></p><p data-block-key="8kie8"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل</a>. <br/><br/><br/></p><hr/><h2 data-block-key="45mba"><br/>سعر شراء المنزل (<b>Home purchase price)</b></h2><p data-block-key="6cj26">سعر شراء المنزل هو المبلغ المتفق عليه من قبل المشتري والبائع لدفعه للبائع لشراء المنزل.</p><p data-block-key="8h3gk"><a href="/owning-a-home/explore/find-right-home/">تعرف على المزيد حول العثور على المنزل المناسب.</a><br/><br/><br/></p><hr/><h2 data-block-key="8shl7"><br/>إدارة الإسكان والتنمية الحضرية (HUD)</h2><p data-block-key="25f6a">إدارة الإسكان والتنمية الحضرية (HUD) هي وكالة حكومية تساعد الناس في الحصول على مساكن جيدة وبأسعار معقولة والحفاظ عليها. يقومون بتدريب ورعاية مستشاري الإسكان في جميع أنحاء البلاد. يمكن لوكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية أن تقدم لك مشورة مشتري المنازل لمساعدتك على فهم خياراتك وتقييمها.</p><p data-block-key="1sa65"><a href="/find-a-housing-counselor/">ابحث عن وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية.</a><br/><br/><br/></p><hr/><h2 data-block-key="777c2"><br/>بيان تسوية HUD-1 (<b>HUD-1 settlement statement)</b></h2><p data-block-key="aam24">يسرد بيان تسوية HUD-1 جميع الرسوم والائتمانات للمشتري والبائع في تسوية عقارية، أو جميع الرسوم في إعادة تمويل الرهن العقاري. تتلقى HUD-1 إذا تقدمت بطلب للحصول على رهن عقاري عكسي أو إذا تقدمت بطلب للحصول على رهن عقاري في 3 أكتوبر/تشرين الأول 2015 أو قبله.</p><p data-block-key="2h4ha">تعرف على موعد تلقي <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1</a>. <br/><br/><br/></p><hr/><h2 data-block-key="9ueij"><br/>المؤشر (<b>Index)</b></h2><p data-block-key="r98g">المؤشر هو سعر فائدة معياري يعكس ظروف السوق العامة. يتغير المؤشر بناءً على السوق. تحدد التغييرات في المؤشر، بجانب هامش القرض، التغييرات في معدل الفائدة لقرض رهن عقاري قابل للتعديل.</p><p data-block-key="5pet6">فهم كيف <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="https://www.consumerfinance.gov/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">يؤثر المؤشر في سعر الفائدة لقرض رهن عقاري قابل للتعديل</a>. <br/><br/><br/></p><hr/><h2 data-block-key="ci397"><br/>الحد الأقصى للتعديل الأولي (<b>Initial adjustment cap)</b></h2><p data-block-key="4id90">عادةً ما يرتبط الحد الأقصى للتعديل الأولي بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد هذا الحد الأقصى مقدار زيادة معدل الفائدة في المرة الأولى التي يتم تعديلها بعد انتهاء فترة السعر الثابت. من الشائع أن يكون هذا الحد الأقصى إما اثنين أو خمسة بالمائة - مما يعني أنه عند تغيير السعر الأول، لا يمكن أن يكون المعدل الجديد أعلى من نقطتين (أو خمس) نقاط مئوية عن المعدل الأولي خلال فترة السعر الثابت.</p><p data-block-key="fms8j"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل.</a> <br/><br/><br/></p><hr/><h2 data-block-key="6p65v"><br/>إيداع الضمان الأولي (<b>Initial escrow deposit)</b></h2><p data-block-key="6a3a9">إيداع الضمان الأولي هو المبلغ الذي ستدفعه عند الإغلاق لبدء حساب الضمان الخاص بك، إذا طلب المقرض الخاص بك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="alk3h"><br/>قرض بفائدة فقط (<b>Interest-only loan)</b></h2><p data-block-key="51hka">الرهن العقاري بفائدة فقط هو قرض بدفعات مجدولة تتطلب منك دفع الفائدة فقط لفترة زمنية محددة.</p><p data-block-key="cgn2f"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="9ffg"><br/>معدل الفائدة (<b>Interest rate)</b></h2><p data-block-key="549il">معدل الفائدة على قرض الرهن العقاري هو التكلفة التي ستدفعها كل عام لاقتراض المال، معبرًا عنها بنسبة مئوية. لا يعكس الرسوم أو أي رسوم أخرى قد تضطر إلى دفعها مقابل القرض. على سبيل المثال، إذا كان قرض الرهن العقاري يبلغ 100,000 دولار بمعدل فائدة 4 في المائة، فقد وافق هذا المستهلك على دفع 4,000 دولار كل عام يقترض أو يدين بهذا المبلغ بالكامل.</p><p data-block-key="2qpip"><a href="/owning-a-home/explore-rates/">اكتشف أسعار الفائدة في منطقتك</a> <br/><br/><br/></p><hr/><h2 data-block-key="43ug7"><br/>الحد الأقصى لسعر الفائدة (<b>Interest rate cap)</b></h2><p data-block-key="f0nbf">الحد الأقصى لسعر الفائدة، الذي يشار إليه أحيانًا بالحد الأقصى السنوي، هو الحد الأقصى للزيادة في معدل الفائدة التي يمكن أن تحدث سنويًا لسعر الرهن العقاري القابل للتعديل (ARM) حتى لو كان السعر قد ارتفع أكثر في ظل أسعار الفائدة في السوق. على سبيل المثال، إذا كان هذا الحد الأقصى بنسبة اثنين في المائة، فلا يمكن أن يكون المعدل الجديد أعلى من المعدل السابق بأكثر من نقطتين مئويتين.</p><p data-block-key="8ahj"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">فهم كيف يستخدم المقرضون المؤشر والهامش لتعديل سعر الفائدة الخاص بك</a><br/><br/><br/></p><hr/><h2 data-block-key="crtd"><br/>القرض الجامبو (<b>Jumbo loan)</b></h2><p data-block-key="fcf4c">في كل عام، تحدد الرابطة الوطنية الاتحادية للرهن العقاري (Fannie Mae) و والمؤسسة الفيدرالية لقرض الرهن العقاري (Freddie Mac) والجهة المنظمة لها، وكالة تمويل الإسكان الفيدرالية ((FHFA، الحد الأقصى لمبلغ القروض التي سيشترونها من المقرضين.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="7t6jd"><br/>تأمين ملكية المقرضين (<b>Lenders title insurance)</b></h2><p data-block-key="avuqg">يحمي تأمين ملكية المقرضين المُقرض من المشاكل المتعلقة بملكية عقارك - مثل شخص لديه دعوى قانونية ضد المنزل. يحمي تأمين ملكية المقرضين المُقرض فقط من مشاكل متعلقة بسند الملكية. لحماية نفسك، قد ترغب في شراء تأمين ملكية المالك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="3s22s"><br/>الحد الأقصى للتعديل مدى الحياة (<b>Lifetime adjustment cap)</b></h2><p data-block-key="f63ch">عادةً ما يرتبط الحد الأقصى للتعديل مدى الحياة بقروض الرهن العقاري القابلة للتعديل (ARMs). يحدد الحد الأقصى إلى أي مدى يمكن أن يزيد معدل الفائدة بشكل إجمالي على مدى فترة القرض. على سبيل المثال، إذا كان هذا الحد الأقصى هو خمسة بالمائة، فهذا يعني أن المعدل لا يمكن أبدًا أن يكون أعلى بخمس نقاط مئوية من المعدل الأولي. قد يكون لبعض المقرضين حد أقصى مختلف أو أعلى.</p><p data-block-key="n0i0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">فهم كيفية تأثير المؤشر في قروض الرهن العقاري ذات المعدل القابل للتعديل.</a><br/><br/><br/></p><hr/><h2 data-block-key="d767b"><br/>تحمل مسؤولية القرض (Loan assumption)</h2><p data-block-key="l64e">يحدث تحمل مسؤولية القرض عندما يتسلم المشتري الرهن العقاري من البائع عند شراء منزل البائع. ويتولى المشتري مسؤولية الرصيد المتبقي المستحق على الرهن العقاري الخاص بالبائع، وفقًا لشروط القرض الأصلية - على سبيل المثال، سعر الفائدة والمدة المتبقية للرهن العقاري. وقد يكون تحمل مسؤولية القرض منطقيًا من الناحية المالية عندما تُعرض رهون عقارية جديدة بأسعار فائدة أعلى مما كانت عليه عندما حصل البائع على رهنه العقاري في الأصل.</p><p data-block-key="47gpv">الفرق بين سعر بيع المنزل والرصيد المتبقي على القرض المتحمّل يساوي المبلغ الذي يتعين على المشتري دفعه، إما من جيبه أو عن طريق الحصول على قرض رهن عقاري خاص به.</p><p data-block-key="99r0s">لكي يتولى مشتري المنزل الرهن العقاري سيحتاج إلى التأهل لتحمل مسؤولية القرض. عادةً ما يعتمد التأهل على مراجعة ائتمان المشتري ودخله، على غرار التأهل للحصول على رهن عقاري جديد</p><p data-block-key="fqaf8">يمكن أن يسري تحمل مسؤولية القرض أيضًا عندما تحصل على سند ملكية لعقار مرهون - على سبيل المثال، بعد الوفاة أو الطلاق.</p><p data-block-key="5ao4"><br/></p><hr/><h2 data-block-key="709kr"><br/>تأجيل القرض (Loan deferment)</h2><p data-block-key="373us">يحق للمقترضين الذين يكافحون من أجل سداد مدفوعات الرهن العقاري عمومًا أن يطلبوا المساعدة من محصّل أقساط الرهن العقاري. يمكن لمحصّل الأقساط الموافقة على تأجيل القرض، مما يسمح للمقترض بتجنب الحجز على الرهن العقاري عن طريق تأجيل مدفوعات الرهن العقاري المتأخرة. ويصبح المبلغ المؤجل مستحق الدفع عندما يقوم المقترض بإعادة تمويل القرض أو بيع المنزل، أو ينتهي الرهن العقاري بطريقة أخرى<br/></p><hr/><h2 data-block-key="4ludk"><br/>تقدير القرض (<b>Loan estimate)</b></h2><p data-block-key="a31rm">تقدير القرض هو نموذج من ثلاث صفحات تحصل عليه بعد التقدم بطلب للحصول على قرض عقاري.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="57pq4"><br/><span id="loanmodification">تعديل القرض (<b>Loan modification)</span></b></h2><p data-block-key="abh48">تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو نوع من<a href="#lossmitigation">تخفيف الخسارة</a>.يمكن أن يقلل التعديل من دفعتك الشهرية إلى مبلغ يمكنك تحمله. قد تتضمن التعديلات تمديد عدد السنوات التي يتعين عليك سداد القرض فيها، و / أو خفض معدل الفائدة ، و / أو تحمل أو خفض رصيدك الأساسي. إذا عُرض عليك تعديل قرض، فتأكد من معرفة كيف سيغير ذلك مدفوعاتك الشهرية والمبلغ الإجمالي الذي ستدين به على المدى القصير والطويل.</p><p data-block-key="4oga9"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">تعرف على المزيد حول تعديل قرض الرهن العقاري</a></p><h4 data-block-key="60esp"><b>إذا كنت متأثرًا بفيروس كورونا</b></h4><p data-block-key="e27v3">احصل على المزيد من <a href="/coronavirus/mortgage-and-housing-assistance/">المعلومات حول خيارات الإعفاء من الرهن العقاري</a>. <br/><br/><br/></p><hr/><h2 data-block-key="2rune"><br/>نسبة القرض إلى القيمة (<b>Loan-to-value ratio)</b></h2><p data-block-key="aqmrg"></p><p data-block-key="kpan">نسبة القرض إلى القيمة (LTV) هي مقياس لمقارنة مبلغ الرهن العقاري الخاص بك مع القيمة المقدرة للعقار. كلما زادت الدفعة الأولى، انخفضت نسبة القرض إلى القيمة (LTV). يجوز لمقرضي الرهن العقاري استخدام نسبة القرض إلى القيمة (LTV) في تقرير ما إذا كانوا سيقرضونك وتحديد ما إذا كانوا سيطلبون تأمينًا خاصًا على الرهن العقاري.</p><p data-block-key="1rkv9">تعرف على <a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">كيفية ارتباط نسبة القرض إلى القيمة بتكاليفك</a>. <br/><br/><br/></p><hr/><h2 data-block-key="d50lr"></h2><h2 data-block-key="9kueh"><span id="lossmitigation">تخفيف الخسارة (Loss Mitigation)</span></h2><p data-block-key="bddto">يشير تخفيف الخسارة إلى الخطوات التي يتخذها مقدمو خدمات الرهن العقاري للعمل مع مقترض الرهن العقاري لتجنب الحجز على الرهن العقاري. يشير تخفيف الخسارة إلى مسؤولية مقدم الخدمة لتقليل أو "تخفيف" الخسارة التي يتحملها المستثمر والتي يمكن أن تأتي من الحجز على الرهن العقاري. قد تساعدك خيارات معينة لتخفيف الخسارة على البقاء في منزلك. قد تساعدك الخيارات الأخرى على مغادرة منزلك دون المرور بالحجز على الرهن العقاري. قد تشمل خيارات تخفيف الخسارة <a href="#deedinlieuofforeclosure">سند الملكية بدل الحجز على الرهن العقاري</a>, <a href="#forbearance">أو الإمھال</a>, <a href="#repaymentplan">أو خطة السداد</a>, <a href="#shortsale">أو البيع على المكشوف</a>, أو<a href="#loanmodification">تعديل القرض</a>. </p><p data-block-key="c331r">إذا كنت تواجه مشكلة في سداد مدفوعات الرهن العقاري الخاصة بك، أو إذا تم عرض عليك وتفكر في العديد من خيارات التخفيف من الخسائر، فتواصل مع وكالة استشارات الإسكان المعتمدة من إدارة الإسكان والتنمية الحضرية (HUD).</p><p data-block-key="ag0nt">يمكنك استخدام أداة "<a href="/find-a-housing-counselor/">Find a counselor</a>" (ابحث عن مستشار) مكتب الحماية المالية للمستهلكين (CFPB) للحصول على قائمة وكالات الاستشارة الإسكانية في منطقتك والتي تمت الموافقة عليها من قبل HUD. يمكنك أيضًا الاتصال <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">بالخط الساخن HOPE™</a>، وهو مفتوح 24 ساعة في اليوم، سبعة أيام في الأسبوع، على الرقم888) 995-HOPE (4673) ).</p><p data-block-key="58i9m"></p><p data-block-key="mjv7"><b>إذا كنت متأثرًا بفيروس كورونا</b></p><p data-block-key="28jol">احصل على المزيد من <a href="/coronavirus/mortgage-and-housing-assistance/">المعلومات حول خيارات الإعفاء من الرهن العقاري</a><br/><br/><br/></p><hr/><h2 data-block-key="aoi73"><br/>الهامش (<b>Margin)</b></h2><p data-block-key="djkvu">الهامش هو عدد النقاط المئوية المضافة إلى المؤشر بواسطة مُقرض الرهن العقاري لتعيين سعر الفائدة الخاص بك على الرهن العقاري ذي المعدل القابل للتعديل (ARM) بعد انتهاء فترة السعر الأولي. تم تحديد الهامش في اتفاقية القرض الخاص بك ولن يتغير بعد الإغلاق. يعتمد مبلغ الهامش على المقرض والقرض المعينين.</p><p data-block-key="8e7au"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">فهم كيفية تأثير الهامش في قروض الرهن العقاري ذات المعدل القابل للتعديل</a>.<br/><br/><br/></p><hr/><h2 data-block-key="4m1e4"><br/>المصاريف الشهرية (<b>Monthly expenses)</b></h2><p data-block-key="27kos">هذا هو مقدار ما تنفقه كل شهر. يمكن أن تشمل، على سبيل المثال لا الحصر، الالتزامات المتكررة مثل دفع الإيجار أو الرهن العقاري، والمرافق، ومدفوعات السيارات، ومدفوعات إعالة الأطفال، ومدفوعات التأمين، بالإضافة إلى الضروريات مثل الطعام. سيكون لمعظم هذه الالتزامات تاريخ استحقاق ثابت.</p><p data-block-key="cammo"><a href="/owning-a-home/prepare/assess-your-spending/">قم بتقييم إنفاقك الشهري باستخدام متتبع الإنفاق هذا.</a> <br/><br/><br/></p><hr/><h2 data-block-key="6mq8r"><br/>الرهن العقاري (<b>Mortgage)</b></h2><p data-block-key="9nq8b">الرهن العقاري هو اتفاق بينك وبين المقرض الذي يسمح لك باقتراض المال لشراء أو إعادة تمويل منزل ويمنح المقرض الحق في أخذ عقارك إذا فشلت في سداد الأموال التي اقترضتها.</p><p data-block-key="84enb">إذا كنت مستعدًا للحصول على قرض عقاري, <a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">فتعرف على المزيد حول شراء منزل</a>. <br/><br/><br/></p><hr/><h2 data-block-key="929i0"><br/>قائمة مراجعة إغلاق الرهن العقاري (<b>Mortgage closing checklist)</b></h2><p data-block-key="9v36i">قائمة التحقق من إغلاق الرهن العقاري هي قائمة بالخطوات التي يمكنك استخدامها للتحضير ومعرفة ما يمكن توقعه. يمكن أن يساعدك في تحديد الأسئلة الرئيسية التي يجب طرحها مسبقًا حتى تتمكن من إغلاقها بثقة.</p><p data-block-key="ejpa0"><a href="/owning-a-home/close/">استخدم ورقة العمل هذه للتحضير للإغلاق.</a><br/><br/><br/></p><hr/><h2 data-block-key="e34d4"><br/>تكاليف إغلاق الرهن العقاري (<b>Mortgage closing costs)</b></h2><p data-block-key="bj0m2">تكاليف إغلاق الرهن العقاري هي جميع التكاليف التي ستدفعها عند الإغلاق. يتضمن ذلك رسوم الإنشاء ورسوم التقييم وتكاليف تقرير الائتمان ورسوم التأمين على الملكية وأي رسوم أخرى يطلبها المُقرض أو تدفع كجزء من معاملة الرهن العقاري. يُطلب من المقرضين تقديم ملخص لهذه التكاليف إليك في <a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">تقدير القرض</a>.</p><p data-block-key="ftgd6"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">تعرف على المزيد حول ما يحدث في الإغلاق.</a><br/><br/><br/></p><hr/><h2 data-block-key="21o7p"></h2><h2 data-block-key="burk0"><span id="mortgageinsurance">تأمين الرهن العقاري (Mortgage insurance)</span></h2><p data-block-key="f3o49">يحمي تأمين الرهن العقاري المُقرض إذا تخلفت عن سداد مدفوعاتك. عادةً ما يكون التأمين على الرهن العقاري مطلوبًا إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار. عادة ما يكون التأمين على الرهن العقاري مطلوبًا على قروض إدارة الإسكان الفيدرالية وإدارة الزراعة الأمريكية. ومع ذلك، إذا كان لديك قرض تقليدي وكانت الدفعة الأولى أقل من 20 في المائة، فمن المرجح أن يكون لديك تأمين خاص على الرهن العقاري (PMI).<br/></p><p data-block-key="b2mm7"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">فهم كيف يعمل تأمين الرهن العقاري</a><br/><br/><br/></p><hr/><h2 data-block-key="6je4j"><br/>تعديل قرض الرهن العقاري (<b>Mortgage loan modification)</b></h2><p data-block-key="3mgam">تعديل قرض الرهن العقاري هو تغيير في شروط القرض الخاص بك. التعديل هو أحد أنواع تخفيف الخسارة.  <br/><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="7ldit"><br/>إعادة تمويل الرهن العقاري (<b>Mortgage refinance)</b></h2><p data-block-key="8bnc1">يتم إعادة تمويل الرهن العقاري عندما تحصل على قرض جديد لسداد القرض القديم واستبداله. الأسباب الشائعة لإعادة التمويل هي خفض معدل الفائدة الشهري، أو خفض مدفوعات الرهن العقاري، أو اقتراض أموال إضافية. عند إعادة التمويل، يتعين عليك عادةً دفع تكاليف ورسوم الإغلاق. إذا قمت بإعادة التمويل وحصلت على دفعة شهرية أقل، فتأكد من فهم مقدار التخفيض الناتج عن معدل فائدة منخفض ومقدار ذلك لأن مدة القرض أطول.</p><p data-block-key="e2im6"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_should_i_refinance_handout.pdf"><span class="a-link_text">هل يجب عليّ إعادة التمويل؟</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="euvij"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">دليل المستهلك لإعادة تمويل الرهن العقاري</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="csjc9"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf"><span class="a-link_text">مجموعة أدوات قرض المنزل الخاص بك</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="fb4q9"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf"><span class="a-link_text">كتيب المستهلك عن الرهون العقارية القابلة للتعديل</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/><br/></p><hr/><h2 data-block-key="b2g7s"><br/>مدة الرهن العقاري (<b>Mortgage term)</b></h2><p data-block-key="8ilug">مدة قرض الرهن العقاري هي المدة التي يتعين عليك سداد القرض خلالها. بالنسبة لمعظم أنواع المنازل، تكون شروط الرهن العقاري عادةً 15 أو 20 أو 30 عامًا.</p><p data-block-key="8nene"><a href="/owning-a-home/loan-options/">اكتشف خيارات مدة القرض.</a><br/><br/><br/></p><hr/><h2 data-block-key="ev5j3"><br/>رسوم الإنشاء (<b>Origination Fee)</b></h2><p data-block-key="863dj">رسوم الإنشاء هي ما يفرضه المُقرض على المقترض مقابل تقديم قرض الرهن العقاري. قد تشمل رسوم الإنشاء معالجة الطلب والاكتتاب وتمويل القرض والخدمات الإدارية الأخرى. لا يمكن زيادة رسوم الإنشاء بشكل عام إلا في ظل ظروف معينة.</p><p data-block-key="endn7">تعرف على المزيد حول <a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">تكاليف إنشاء الرهن العقاري</a>. <br/><br/><br/></p><hr/><h2 data-block-key="94c0j"><br/>تأمين ملكية المالك (<b>Owner's title insurance)</b></h2><p data-block-key="7cok7">يوفر تأمين ملكية المالك الحماية لصاحب المنزل إذا قام شخص ما برفع دعوى وقال إن لديه مطالبة ضد المنزل من قبل أن يشتريه صاحب المنزل.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="9df7k"><br/>تمويل الطاقة النظيفة المقدرة على العقارات (PACE) (<b>Pace financing)</b></h2><p data-block-key="4up0m">يوفر تمويل الطاقة النظيفة المقدرة على العقارات (PACE) طريقة لتمويل تحسينات المنازل ذات الكفاءة في استخدام الطاقة.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="cnhdr"><br/>المطالبة الجزئية (Partial claim)</h2><p data-block-key="318gh">المطالبة الجزئية هي طريقة لاستخدام تأمين الرهن العقاري لمساعدة صاحب المنزل المتعثر على تجنب الحجز على الرهن العقاري. يقوم صاحب الرهن العقاري بتقديم مطالبة ضد تأمين الرهن العقاري بمبلغ أي مدفوعات رهن عقاري لم يتم تسديدها، ويضع المؤمِّن الأموال جانبًا في حساب منفصل. بعد ذلك، عندما يقوم المقترض بإعادة تمويل الرهن العقاري، أو بيع المنزل، أو إنهاء الرهن بطريقة أخرى، يتم دفع مبلغ المطالبة الجزئية لمحصّل أقساط الرهن العقاري. في بعض الأحيان، لا يغطي مبلغ المطالبة الجزئية المبلغ الكامل للمدفوعات الفائتة، وفي تلك الحالات يجب على المقترض دفع الفرق.<br/><br/></p><hr/><h2 data-block-key="88i61"><br/>مبلغ التسديد (<b>Payoff amount)</b></h2><p data-block-key="4ppc5">مبلغ التسديد الخاص بك هو المبلغ الذي سيتعين عليك دفعه بالفعل للوفاء بشروط قرض الرهن العقاري الخاص بك وسداد ديونك بالكامل. مبلغ التسديد الخاص بك يختلف عن رصيدك الحالي. قد لا يعكس رصيدك الحالي المبلغ الذي يتعين عليك دفعه بالفعل للوفاء الكامل بالقرض. يتضمن مبلغ التسديد أيضًا دفع أي فائدة تدين بها حتى اليوم الذي تنوي فيه سداد قرضك. قد يشمل مبلغ التسديد أيضًا رسومًا أخرى تكبدتها ولم تدفعها بعد.<br/><br/><br/></p><hr/><h2 data-block-key="et3tb"><br/>أوامر تغيير دائم للمركز (PCS) (<b>PCS orders)</b></h2><p data-block-key="3gnbj">يجوز إعطاء أعضاء الخدمة الفعلية أوامر تغيير دائم للمركز (PCS). أوامر تغيير دائم للمركز (PCS) هي نقل رسمي لعضو الخدمة (وأي عائلة تعيش معهم) إلى موقع عمل مختلف. إذا كان العضو يمتلك منزلاً، فقد يختار بيعه. إذا كان عضو الخدمة مدينًا بالمنزل أكثر مما يستحق المنزل، فقد يواجهون مشكلة في بيع منزلهم. يقدم بعض مقدمي الخدمة برامج للسماح لأعضاء الخدمة ببيع منازلهم وعدم الاضطرار إلى سداد باقي رصيد القرض. تفضل بزيارة <a href="/consumer-tools/military-financial-lifecycle/">أعضاء مقدمي الخدمة</a> لمزيد من المعلومات. <br/><br/><br/></p><hr/><h2 data-block-key="emrpg"><br/>المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين (PITI)</h2><p data-block-key="e8esp">المبلغ الأساسي، والفائدة ، والضرائب ، والتأمين ، والمعروفة باسم PITI، هي العناصر الأساسية الأربعة لسداد الرهن العقاري الشهري.  <br/><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="e26a0"><br/><b>تأمين الرهن العقاري الخاص (PMI)</b></h2><p data-block-key="8tmh8">تأمين الرهن العقاري الخاص (PMI) هو نوع من تأمين الرهن العقاري يعود بالفائدة على المُقرض الخاص بك. قد يُطلب منك الدفع مقابل تأمين الرهن العقاري الخاص (PMI) إذا كانت الدفعة الأولى أقل من 20 في المائة من قيمة العقار وكان لديك قرض تقليدي. قد تتمكن من إلغاء تأمين الرهن العقاري الخاص (PMI) بمجرد تراكم مبلغ معين من حصة الملكية في منزلك.</p><p data-block-key="fdio2"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="/ask-cfpb/what-is-private-mortgage-insurance-en-122/">فهم المزيد عندما يكون تأمين الرهن العقاري الخاص (PMI) مطلوبًا</a><br/><br/><br/></p><hr/><h2 data-block-key="4qte3"><br/><b>رسوم الفائدة المدفوعة مقدمًا</b> (Prepaid interest charges)</h2><p data-block-key="c7qd2">رسوم الفائدة المدفوعة مقدمًا هي الرسوم المستحقة عند الإغلاق لأي فائدة يومية مستحقة على قرضك بين تاريخ إغلاق قرض الرهن العقاري الخاص بك والفترة التي يغطيها أول دفعة شهرية للرهن العقاري.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="521m5"><br/><b>غرامة الدفع المسبق</b> (Prepayment penalty)</h2><p data-block-key="bakp1">غرامة الدفع المسبق هي رسوم يفرضها بعض المقرضين إذا سددت كل رهنك العقاري مبكرًا أو جزء منه. إذا كان لديك غرامة الدفع المسبق، كنت قد وافقت على هذا عندما أغلقت في منزلك. ليس كل الرهون العقارية لها غرامة الدفع المسبق.<br/><br/><br/></p><hr/><h2 data-block-key="33qab"><br/><b>المبلغ الأساسي</b> (Principal)</h2><p data-block-key="da086">المبلغ الأساسي هو مبلغ قرض الرهن العقاري الذي يتعين عليك سداده. تتضمن دفعتك الشهرية جزءًا من هذا المبلغ الأساسي. عندما يتم السداد على المبلغ الأساسي، يكون المقترض مدينًا أقل، وسيدفع فائدة أقل بناءً على حجم القرض الأقل.</p><p data-block-key="216mq"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">فهم الفرق بين سعر الفائدة والمبلغ الأساسي</a>.<br/><br/><br/></p><hr/><h2 data-block-key="bl3m3"><br/><b>الضرائب العقارية</b> (Property taxes)</h2><p data-block-key="1na2f">الضرائب العقارية هي ضرائب تفرضها السلطات القضائية المحلية، عادةً على مستوى المقاطعة، بناءً على قيمة العقارات الخاضعة للضريبة. في كثير من الأحيان، يتم تحصيل ضرائب العقارات ضمن مدفوعات الرهن العقاري الشهرية لمالك المنزل، ثم يتم دفعها إلى الولاية القضائية ذات الصلة مرة واحدة أو أكثر كل عام. هذا يسمى حساب الضمان. إذا لم يكن للقرض حساب ضمان، فسيقوم صاحب المنزل بدفع ضرائب العقار مباشرة.</p><p data-block-key="6jeuo"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل</a>.<br/><br/></p><hr/><h2 data-block-key="29ga5"><br/><b>الرهن العقاري المؤهل</b> (Qualified mortgage)</h2><p data-block-key="9dlko">الرهن العقاري المؤهل هو فئة من القروض التي لها ميزات معينة وأكثر استقرارًا تساعد في زيادة احتمالية قدرتك على تحمل القرض. <a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">اقرأ المزيد (باللغة الإنكليزية)</a>.<br/><br/><br/></p><hr/><h2 data-block-key="dtbef"><br/><b>طلب كتابي مؤهل ((QWR) Qualified Written Request)</b></h2><p data-block-key="cuf9f">الطلب الكتابي المؤهل، أو QWR، هو مراسلات مكتوبة يمكن أن ترسلها أنت أو أي شخص يتصرف نيابة عنك إلى مقدم خدمات الرهن العقاري الخاص بك. بدلاً من الطلب الكتابي المؤهل، يمكنك أيضًا إرسال إشعار خطأ أو طلب معلومات إلى مقدم الخدمة.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="9oq8p"><br/><span id="repaymentplan"><b>خطة</b> <b>السداد</b> (<b>Repayment plan)</span></b></h2><p data-block-key="bqknm">خطة السداد هي طريقة منظمة لتعويض مدفوعات قروض الرهن العقاري الفائتة خلال فترة زمنية معينة. هذا نوع من أنواع <a href="#lossmitigation">تخفيف الخسارة</a>. إذا كنت تواجه مشكلة في سداد أقساط الرهن العقاري، فقد يسمح لك<a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/"> المُقرض أو مقدم الخدمة بالدخول في خطة السداد</a>. قبل الدخول في خطة السداد، تأكد من فهمك لمتطلبات الخطة وما إذا كنت ستتمكن من سداد المدفوعات الجديدة.<br/><br/><br/></p><hr/><h2 data-block-key="6qagi"><br/><b>الرهن العقاري العكسي</b> (Reverse mortgage)</h2><p data-block-key="49v74">يسمح الرهن العقاري العكسي لأصحاب المنازل الذين يبلغون من العمر 62 عامًا أو أكثر بالاقتراض مقابل ملكية منازلهم. يطلق عليه الرهن العقاري "العكسي" لأنه بدلاً من سداد المدفوعات للمقرض، فإنك تتلقى أموالاً من المُقرض. تزيد الأموال التي تتلقاها والفائدة المفروضة على القرض من رصيد القرض الخاص بك كل شهر. تسمى معظم الرهون العقارية العكسية اليوم HECMs، وهي اختصار لرهن تحويل ملكية المنازل.</p><p data-block-key="4bv4v">تعرف على ما يجب عليك<a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/"> مراعاته قبل التقدم بطلب للحصول على قرض عقاري عكسي</a>.<br/><br/><br/></p><hr/><h2 data-block-key="88ss0"><br/><b>حق الفسخ</b> (Right of rescission)</h2><p data-block-key="dti8i">يشير حق الفسخ إلى حق المستهلك في إلغاء أنواع معينة من القروض. إذا كنت تشتري منزلًا برهن عقاري، فلا يحق لك إلغاء القرض بمجرد توقيع مستندات الإغلاق. ومع ذلك، إذا كنت تقوم بإعادة تمويل رهن عقاري، فلديك حتى منتصف ليل يوم العمل الثالث بعد الصفقة لفسخ (إلغاء) عقد الرهن العقاري. لا تبدأ الساعة المكونة من ثلاثة أيام حتى توقع عقد الائتمان (يُطلق عليه عادةً السند الإذني)، وتتلقى نموذج<a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/"> إفصاح عن الحقيقة في الإقراض</a> وتتلقى نسختين من إشعار يشرح حقك في الفسخ.<br/><br/><br/></p><hr/><h2 data-block-key="2sv6f"><br/><b>الرهن العقاري الثاني</b> (Second mortgage)</h2><p data-block-key="9rqa5">الرهن العقاري الثاني أو الرهن الأصغر هو قرض تحصل عليه باستخدام منزلك كضمان بينما لا يزال لديك قرض آخر مضمون بمنزلك.</p><p data-block-key="1b5c2"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">تعلم المزيد عن الرهون العقارية الثانية</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6stou"><br/><b>فائدة الضمان</b> (Security interest)</h2><p data-block-key="7528f">فائدة الضمان هي ما يسمح للمقرض بحجز الرهن إذا لم تسدد الأموال التي اقترضتها.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="a9vtl"><br/><b>تمويل البائع</b> (Seller financing)</h2><p data-block-key="2k53q">تمويل البائع هو قرض يقدمه لك بائع منزلك.<br/><a>اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="96fbn"><br/><b>مقدم الخدمة</b> (Servicer)</h2><p data-block-key="c95vt">مقدم خدمة الرهن العقاري الخاص بك هي الشركة التي ترسل لك كشوفات الرهن العقاري الخاصة بك. يتولى مقدم الخدمة أيضًا المهام اليومية لإدارة قرضك.</p><p data-block-key="4as9n">يقوم مسؤول مقدم خدمة القرض الخاص بك بمعالجة مدفوعات القرض الخاصة بك، والاستجابة لاستفسارات المقترض، وتتبع المبلغ الأصلي والفائدة المدفوعة، وإدارة <a href="#escrow">حساب الضمان</a> الخاص بك (إذا كان لديك حساب). يجوز لصاحب القرض الشروع في الحجز على الرهن العقاري في ظل ظروف معينة. قد يكون مقدم الخدمة نفس الشركة التي منحتك القرض في الأصل وقد لا تكون كذلك.<br/><br/><br/></p><hr/><h2 data-block-key="djtk7"><br/><b>الرهن العقاري المشترك</b> (Shared appreciation mortgage)</h2><p data-block-key="cpmql">بموجب الرهن العقاري المشترك، فإنك توافق على منح المقرض الخاص بك حصة من أي زيادة في قيمة منزلك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="b2m3v"><br/><b>البيع على المكشوف</b> <span id="shortsale">(<b>Short sale)</span></b></h2><p data-block-key="dneqm">البيع على المكشوف هو بيع منزلك بأقل مما تدين به على رهنك العقاري. البيع على المكشوف هو بديل للحجز على الرهن العقاري، ولكن لأنه بيع، سيتعين عليك مغادرة منزلك. إذا وافق المقرض أو مقدم الخدمة الخاص بك على البيع على المكشوف، فقد تتمكن من بيع منزلك لسداد الرهن العقاري الخاص بك، حتى إذا كان سعر البيع أو العائدات أقل من الرصيد المتبقي على الرهن العقاري الخاص بك. البيع على المكشوف هو أحد أنواع <a href="#lossmitigation">تخفيف الخسارة</a>. إذا كنت تعيش في ولاية تكون فيها مسؤولاً عن أي عجز، وهو الفرق بين قيمة العقار الخاص بك والمبلغ الذي لا تزال مدينًا به لقرض الرهن العقاري الخاص بك، فستحتاج إلى مطالبة المقرض الخاص بك بالتنازل عن العجز. إذا تنازل المُقرض عن العجز، احصل على التنازل كتابيًا واحتفظ به في سجلاتك.<br/><br/><br/></p><hr/><h2 data-block-key="dsi6d"><br/><b>قرض عقاري عالي المخاطر</b> (Subprime mortgage)</h2><p data-block-key="id5q">عندما يستخدم المقرضون المصطلح، فإنهم يقصدون عمومًا برنامج قروض للمقترضين غير المؤهلين للحصول على قرض رئيسي، غالبًا بمعدل فائدة أعلى.</p><p data-block-key="f1mrj"><a href="/owning-a-home/">تعرف على المزيد حول عملية شراء المنزل</a>.<br/><br/><br/></p><hr/><h2 data-block-key="3sval"><br/><b>المسح</b> (Survey)</h2><p data-block-key="3qk3f">المسح هو رسم لعقارك يوضح موقع الأرض والمنزل وأي بنايات أخرى، بالإضافة إلى أي تحسينات على العقار.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="997rv"><br/><b>رسوم خدمة الملكية</b> (Title service fees)</h2><p data-block-key="er3de">رسوم خدمة الملكية هي جزء من تكاليف الإغلاق التي تدفعها عند الحصول على قرض عقاري. عندما تشتري منزلًا، تتلقى مستندًا غالبًا ما يسمى صك، والذي يُظهر أن البائع قد نقل ملكيته القانونية أو "سند ملكية" المنزل إليك. رسوم خدمة الملكية هي التكاليف المرتبطة بإصدار بوليصة تأمين ملكية للمقرض.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">اقرأ المزيد (باللغة الإنكليزية)</a><br/><br/></p><hr/><h2 data-block-key="1pi0b"><br/><b>إجمالي نسبة الفائدة ((TIP)</b> Total interest percentage)</h2><p data-block-key="2h56j">إجمالي نسبة الفائدة (TIP) عبارة عن بيان يخبرك بمقدار الفائدة التي ستدفعها طوال مدة قرض الرهن العقاري الخاص بك.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="ap9ln"><br/><b>مجموع المدفوعات</b> (Total of payments)</h2><p data-block-key="av6st">يخبرك هذا الرقم بالمبلغ الإجمالي للمال الذي ستدفعه على مدار فترة الرهن العقاري.<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="bc5uc"><br/><b>TRID</b></h2><p data-block-key="2cqaa">TRID "" هو اختصار يستخدمه بعض الأشخاص للإشارة إلى قاعدة الإفصاح المتكامل لـ .TILA RESPA<br/><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">اقرأ المزيد (باللغة الإنكليزية)</a><br/></p><hr/><h2 data-block-key="7m28v"><br/><b>قرض إدارة الزراعة الأمريكية</b> <b>(USDA)</b> (USDA Loan)</h2><p data-block-key="cm7ua">تقدم خدمة الإسكان الريفي، وهي جزء من إدارة الزراعة الأمريكية (USDA) برامج الرهن العقاري بدون دفعة أولى وأسعار فائدة مواتية بشكل عام لمشتري المنازل في المناطق الريفية الذين يستوفون متطلبات الأهلية للدخل في إدارة الزراعة الأمريكية.</p><p data-block-key="a07j4"><a href="/owning-a-home/loan-options/special-loan-programs/">تعرف على هذا الخيار وغيره من برامج القروض الخاصة</a>.<br/><br/><br/></p><hr/><h2 data-block-key="7cliu"><br/><b>قرض إدارة شؤون المحاربين القدامى (VA)</b> (VA loan)</h2><p data-block-key="65i2u">قرض إدارة شؤون المحاربين القدامى (VA)  هو برنامج قرض تقدمه إدارة شؤون المحاربين القدامى (VA) لمساعدة العسكريين، والمحاربين القدامى، والأزواج الباقين على قيد الحياة المؤهلين على شراء المنازل. لا تقدم إدارة شؤون المحاربين القدامى القروض ولكنها تحدد القواعد لمَن يحق لهم التأهل وشروط الرهن العقاري. يضمن قرض إدارة شؤون المحاربين القدامى (VA)  جزءًا من القرض لتقليل مخاطر الخسارة للمقرض. القروض متاحة بشكل عام للإقامة الأولية فقط.</p><p data-block-key="59tqq">إذا كنت من المحاربين القدامى، فاكتشف ما إذا <a>كان قرض إدارة شؤون المحاربين القدامى (VA) مناسبًا لك</a>.</p>
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diff --git a/www.consumerfinance.gov/language/ar/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/ar/shopping-for-a-mortgage/index.html
new file mode 100644
index 000000000000..70cff7c4fc61
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1479 @@
+<!DOCTYPE html>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
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+<div aria-level="2" role="heading">
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
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+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__2-1"
+          id="main"
+           dir="rtl" >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <div class="u-layout-grid_main">
+   <div class="block block__flush-top block__padded-bottom block__border-bottom">
+    <div class="eyebrow">Shopping for a mortgage (in Arabic)</div>
+<h1>التسوّق من أجل البحث عن رهن عقاري</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">التسوّق من أجل البحث عن رهن عقاري يستهلك وقتا وطاقة، ولكنه يمكن أن يوفر لك آلاف الدولارات. فاجعل من أهدافك المقارنة ما بين لا يقل عن ثلاثة عروض للرهون العقارية المقدمة من مقرضين مختلفين.</p>
+    </div>
+    <p data-block-key="gicdk"><b>في هذه الصفحة:</b></p><ul><li data-block-key="f97pj"><a href="#preapproval">احصل على ثلاث موافقات مسبقة على الأقل</a></li><li data-block-key="d9ekv"><a href="#shop">تسوق لمعرفة مدد القروض وهياكل أسعار الفائدة والبرامج</a></li><li data-block-key="d8r85"><a href="#loanprogram">برنامج القروض: التقليدي أو قروض الإدارة الفيدرالية للإسكان (FHA) أو قروض إدارة المحاربين القدماء(VA) أو برنامج خاص</a></li><li data-block-key="9ok4g"><a href="#compareoffers">قارن بين عروض القروض</a></li><li data-block-key="1orsd"><a href="#betterdeal">اطلب صفقة أفضل</a></li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8">احصل على الموافقة المبدئية من ثلاثة مقرضين على الأقل<span id="preapproval"></span></h2><p data-block-key="bmu1i">الإنترنت والصحف هي مكان جيد لبدء البحث عن مقرضي الرهون العقارية. اتصل بالبنوك والاتحادات الائتمانية والمنظمات التي قد تكون متخصصة في وضعك - مثل مشتريي المنازل لأول مرة أو قدامى المحاربين أو موظفي الخدمة العامة أو غيرهم.</p><p data-block-key="c4f4t"></p><p data-block-key="ag30u">اطلب من ثلاثة مقرضين مختلفين على الأقل إعطاءك الموافقة المسبقة. فهذا يعني أن المقرض ينظر إلى وضعك المالي، بما في ذلك تقرير الائتمان الخاص بك، ويقدر المبلغ الذي يمكنك اقتراضه وما سعر الفائدة الذي ستدفعه على الأرجح. تسمح لك الموافقة المسبقة بتجربة كل مُقرض لمعرفة نوع القروض والأسعار التي يقدمها. عندما تحصل على جميع الموافقات المسبقة الثلاث خلال فترة زمنية قصيرة، ينبغي ألا يكون هناك تأثير كبير على درجة التصنيف الائتماني الخاصة بك.</p><p data-block-key="5fvk"></p><p data-block-key="86umm">سوف تعود إلى هؤلاء المقرضين عندما تكون اتخذت بعض القرارات، واطلب منهم عروض لقروض.</p><p data-block-key="403n9"></p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>التسوّق من أجل إيجاد القروض المناسبة من حيث المدة وهياكل أسعار الفائدة والبرامج</span></h2><h3 data-block-key="7hm0j">مدة القرض: الأطول أم الأقصر</h3><p data-block-key="ecrci">بصفة عامة يكون القرض الأطول أجلا أكثر تكلفة على مدى عمر القرض، ولكن أقساطك الشهرية عادة ما تكون أقل. قد يكون بإمكانك التفاوض مع المقرض الذي تتعامل معه على قرض بمدة مختلفة، مثل 20 سنة أو 7 سنوات أو حتى أطول من 30 سنة.<br/><br/></p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30 سنة
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="عرض">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="إخفاء">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">معظم مشتريي البيوت يختارون قروضا تسدد على 30 سنة لأن الأقساط يمكن أن تكون منخفضة.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15 سنة
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="عرض">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="إخفاء">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="9myy2">الأقساط عادة ما تكون أكبر من أقساط القروض المسددة على 30 سنة، ولكن القرض يتم تسديده بالكامل بعد 15 سنة وإجمالي تكلفة القرض يمكن أن تكون أقل.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="">
+    <h3>هيكل سعر الفائدة على القرض:  سعر ثابت أم سعر متغير</h3>
+        <p><p data-block-key="z4s0j">القروض الأكثر انتشارا هي القروض ذات سعر الفائدة الثابت. فقد يكون المبلغ الأولي الذي تدفعه في القروض ذات سعر القائدة المتغير أقل ولكن إذا ارتفعت أسعار الفائدة فأنت قد تواجه زيادة كبيرة في الأقساط الشهرية التي تدفعها.<br/><br/></p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            الرهن العقاري ذو سعر الفائدة الثابت
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="عرض">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="إخفاء">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="9myy2">سيظل كلا سعر الفائدة والقسط الشهري ثابتين على مدى عمر القرض.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            الرهن العقاري ذو سعر الفائدة المتغير(ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="عرض">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="إخفاء">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="9myy2">في العادة يظل سعر الفائدة ثابتا للسنوات القليلة الأولى من عمر القرض، وبمجرد أن تنتهي فترة السعر الثابت يتغير السعر على فترات منتظمة بناء على "مؤشر" ، وهذا المؤشر هو قياس لأسعار الفائدة بشكل عام ويعكس التوجهات في الاقتصاد ككل. وهذا يعني أن القسط الذي تدفعه يمكن أن يزيد أو ينخفض. وتدخل تفاصيل ذلك في تثمين القرض الذي تتلقاه من المقرض.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="rr92e"><span id="loanprogram"></span>برنامج القروض: التقليدي أو قروض الإدارة الفيدرالية للإسكان (FHA) أو قروض إدارة المحاربين القدماء (VA)أو برنامج خاص</h2><p data-block-key="3eolt">توجد برامج كثيرة للإقراض وبعضها مصممة بحيث تساعد على إتاحة الرهون العقارية للناس الذين لديهم ظروف معينة أو يكونون ضمن مجموعات معينة.</p><h3 data-block-key="1sfn1">هل ستدفع عربونا قدره 5٪ أو أكثر؟</h3><p data-block-key="ua36">اسأل عن القروض المؤهلة لدعم مؤسسة فاني ماي (Fannie Mae) أو فريدي ماك (Freddie Mac) التي كثيرا ما تسمى بالقرض "التقليدي" .</p><h3 data-block-key="28hkk">هل ستدفع عربونا صغيرا فحسب؟</h3><p data-block-key="5n0n6">اسأل عن القروض المؤمـّنة من قبل الإدارة الاتحادية للإسكان (FHA).</p><h3 data-block-key="2hj0k">هل أنت فرد من أفراد القوات المسلحة أو من المحاربين القدامى؟</h3><p data-block-key="cu1h9">اسأل عن القروض المضمونة من قبل وزارة شؤون المحاربين القدامى (VA).</p><h3 data-block-key="dintg">هل ستشتري بيتا في منطقة ريفية؟</h3><p data-block-key="8i8vv">اسأل عن القروض المدعومة من قبل وزارة الزراعة الأمريكية (USDA).</p><h3 data-block-key="5d0es">هل أنت تشتري بيتا لأول مرة ودخلك منخفض أو معتدل؟</h3><p data-block-key="aoiks">اسأل عن القروض المتوفرة عن طريق وكالة تمويل الإسكان التابعة للولاية التي تسكن فيها.</p><h2 data-block-key="4qf9u"><span id="compareoffers">قارن ما بين العروض المختلفة للقروض</span></h2><p data-block-key="a0m1g">والآن وقد حان الوقت لبدء عملية تقديم الطلب الرسمية. فاطلب من المقرضين الذين تتعامل معهم أن يقدموا لك عروضهم للقروض التي تعكس اختياراتك لنوع القرض وبرنامجه ومدته. ثم سيكون باستطاعتك إجراء المقارنات السليمة بين أشياء مماثلة لبعضها البعض.<br/><br/><br/><b>أولا قارن بين الأجزاء الأساسية للقرض:</b></p><ul><li data-block-key="33fpq">ما مدة القرض؟</li><li data-block-key="35pk8">ما سعر الفائدة؟</li><li data-block-key="a1keb">ما مبلغ العربون الذي يـُعرض على أساسه القرض؟</li><li data-block-key="2hkeb">ما مبلغ القسط الشهري؟</li><li data-block-key="flp0a">بالنسبة للرهون العقارية ذات أسعار الفائدة الثابتة هل هناك حد أعلى للتغيرات في مبلغ الأقساط وسعر الفائدة؟ وهل ينخفض سعر الفائدة إذا هبطت أسعار الفائدة في الأسواق؟<br/><br/></li></ul><p data-block-key="4fiob"><b>بعد ذلك قارن ما بين باقي التفاصيل التي يمكن أن تؤثر على تكلفتك:</b></p><ul><li data-block-key="fu01">متى ستنتهي أقساطي من تسديد المبلغ الأساسي للقرض؟</li><li data-block-key="64ho6">هل ستتغير الأقساط الشهرية على مدى عمر القرض؟ إلى أي مدى يمكن أن يرتفع القسط الشهري الذي أدفعه؟</li><li data-block-key="2ppuq">هل القسط الشهري الذي أدفعه يشمل الضرائب العقارية والتأمين؟ وإذا لم يكن فهل أستطيع أن أتحمـّل دفعها بشكل منفصل؟</li><li data-block-key="339d0">ما هي التكاليف والرسوم التي ستضاف إلى المبلغ الأولي الذي سأدفعه؟ وهل ستضاف إلى أقساطي الشهرية المنتظمة؟</li><li data-block-key="49bq4">هل يتوجب عليّ دفع نقاط (الرسوم التي تـُدفع مقدما ولتخفيض سعر الفائدة الذي تدفعه)؟</li><li data-block-key="e1olb">ما هي الرسوم والتكاليف المشمولة في المبلغ الذي اقترضه (نموذجي للقروض المسماة "بدون تكاليف إتمام البيع")؟</li><li data-block-key="cg8ec">هل العرض المكتوب يطابق ما قيل لي عن القرض شفويا؟</li><li data-block-key="787p6">هل أستطيع الحصول على صفقة أفضل لخدمات التسوية من مقدمي خدمات مختلفين؟</li><li data-block-key="a45rc">هل أستطيع تسديد القرض مبكرا، أو دفع أقساط أكبر من الأقساط المجدولة، بدون غرامة؟</li></ul><p data-block-key="4r1pb"></p><p data-block-key="1evi7"></p><h2 data-block-key="fvp0h"><span id="betterdeal"></span>اطلب صفقة أفضل</h2><p data-block-key="e5nea">بمجرد أن ترى العروض المقدمة من عدة مقرضين اسأل ما إذا كان من الممكن أن يقدموا لك شيئا أفضل. فالتفاوض معهم مسألة عادية وشائعة ولا ضرر في السؤال. فقد يستطيع المقرض إعفاءك من أحد الرسوم أو أكثر أو تخفيضه، أو خفض سعر الفائدة أو النقاط.</p><p data-block-key="dhi4d">تأكد من أن المقرض لا يخفـّض أحد الرسوم وفي نفس الوقت يزوِّد رسما آخر، أو يخفـّض سعر الفائدة المعروض عليك وفي نفس الوقت يزوِّد نقاطك؟</p>
+            </div>
+</div>
+   </div>
+        </div>
+        <aside class="u-layout-grid_sidebar">
+   <div class="block block__flush-top">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                نبذة عنا
+            </h2>
+        </header>
+    <p data-block-key="vu89f">نحن مكتب الحماية المالية للمستهلكين (CFPB)، وهي وكالة حكومية أمريكية تتأكد من أن البنوك والجهات المقرضة والشركات المالية الأخرى تعاملك بإنصاف.</p><p data-block-key="e9nb5"><a href="/about-us/the-bureau/">تعلم كيف يمكن أن يساعدك مكتب الحماية المالية للمستهلكين (CFPB) (قراءة باللغة الإنجليزية)</a></p>
+</div>
+   </div>
+        </aside>
+        </div>
+    </main>
+<footer class="o-footer">
+    <div class="wrapper wrapper__match-content">
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diff --git a/www.consumerfinance.gov/language/ar/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/ar/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..6c811daf610e
--- /dev/null
+++ b/www.consumerfinance.gov/language/ar/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1467 @@
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+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">بحث</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">بحث</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Final Rules
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
+    </a>
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+            </ul>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+       href="/about-us/newsroom/?categories=press-release"
+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="News"
+                >
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+       >
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+    >
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       >
+        Consumer Advisories
+    </a>
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+            </ul>
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+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
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+                        </a>
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__2-1"
+          id="main"
+           dir="rtl" >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             \ 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ar/">
+                    CFPB in Arabic
+                </a>
+     </nav>
+                </div>
+        <div class="u-layout-grid_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for your auto loan (in Arabic)</div>
+<h1>التسوق للحصول على قرض سيارة لك</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/shopping-for-your-auto-loan/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/shopping-for-your-auto-loan/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/shopping-for-your-auto-loan/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/shopping-for-your-auto-loan/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/shopping-for-your-auto-loan/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>العربية</li>
+            <li>
+                <a href="/language/ht/shopping-for-your-auto-loan/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">التسوق للحصول على قروض ومحاولة الحصول على أفضل الأسعار والشروط الأخرى، رغم تعقيدها، يشبه الأنواع الأخرى من التسوق بمقارنة الأسعار. لذلك فإن التسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك ويجعل العملية أقل إرهاقًا.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">استعد قبل التقدم بطلب للحصول على قرض سيارة</h2><p data-block-key="9rgc7">ستكون في وضع أفضل للتسوق والمساومة للحصول على قرض سيارة إذا اتبعت هذه الخطوات قبل التقدم بطلب للحصول على قرض.</p><h3 data-block-key="16i7v">تحقق من تقرير الائتمان الخاص بك</h3><p data-block-key="3tlbu">تحدد المعلومات الواردة في تقرير الائتمان الخاص بك درجاتك الائتمانية. وتلعب درجتك الائتمانية دورًا كبيرًا في تحديد نوع قرض السيارة الذي يمكنك الحصول عليه، ومقدار الفائدة التي ستدفعها مقابل القرض. فيما يلي بعض الموارد المفيدة:</p><ul><li data-block-key="1re3s">للحصول على نسخة مجانية من تقرير الائتمان الخاص بك سنويًا من كل وكالة من وكالات إعداد التقارير الائتمانية الوطنية الثلاث، تفضل بزيارة الموقع الإلكتروني <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="6eei5">لمعرفة كيفية التحقق من تقرير الائتمان الخاص بك بحثًا عن الأخطاء والاعتراض على أي أخطاء تجدها، تفضل بزيارة الموقع الإلكتروني <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="6rjv4">ى للتعلم عن تقارير الائتمان والدرجات الائتمانية، تفضل بزيارة الموقع الإلكتروني <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">هل تحتاج إلى مُوقِّع مشارك؟</h3><p data-block-key="1180j"></p><p data-block-key="4vopn">المُوقِّع المشارك هو شخص - مثل أحد الوالدين أو أحد أفراد الأسرة أو صديق - ملزم تعاقديًا بسداد القرض تمامًا مثلك. إذا كان سجلك الائتماني محدودًا أو يحتاج إلى تحسين، وكانت درجتك الائتمانية منخفضة (أو ليس لديك درجة ائتمانية)، فمن الممكن أن يكون معدل الفائدة الخاص بك أقل بكثير إذا كان لديك مُوقِّع مشارك يتمتع بائتمان جيد أو ممتاز. وذلك لأن المُقرض سيعتمد على السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك عند اتخاذ القرار بشأن منح القرض.</p><p data-block-key="ek8gd">إذا كنت تفكر في أن يكون لديك مُوقِّع مشارك، فيجب أن تفكر أنت والمُوقِّع المشارك المحتمل بعناية في هذا القرار. إذا لم تسدد قرضك، فستكون أنت والمُوقِّع المشارك مسؤولين عن السداد. وهذا مع اعلم أن المُوقِّع المشارك يعتبر مسؤولاً عن القرض، حتى لو لم يكن له الحق في حيازة السيارة. بالإضافة إلى ذلك، فإن أي مدفوعات متأخرة يتم سدادها على القرض ستؤثر على كل من سجلك الائتماني ودرجتك الائتمانية وأيضا السجل الائتماني والدرجة الائتمانية للمُوقِّع المشارك. يحظر القانون الفيدرالي عمومًا على المُقرض من مطالبتك بأن يكون لديك مُوقِّع مشارك وذلك إذا تقدمت بطلب للحصول على قرض بشكل فردي وكنت مؤهلاً وفقًا لمعايير المقرض للجدارة الائتمانية للحصول على القرض. لمزيد من المعلومات حول التوقيع المشترك، تفضل بزيارة الموقع الإلكتروني <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">تحقق من أسعار الفائدة الحالية على قروض السيارات</h3><p data-block-key="c65uf">يمكنك البحث عن الأسعار عن طريق الاتصال بعدة بنوك أو اتحادات ائتمانية أو مقرضين آخرين. يمكنك أيضًا البحث عبر الإنترنت في العديد من المواقع التجارية التي قد تعطيك تقديرًا لمعدلات الفائدة على الصعيد الوطني ومن خلال الرمز البريدي الخاص بك. ستربطك بعض المواقع التجارية بمقرضين وتجار محددين للحصول على تقديرات، لذلك قد ترغب في توخي الحذر عند إدخال معلوماتك الشخصية.</p><h3 data-block-key="7r4tv">فكّر في دفع عربون</h3><p data-block-key="8tnai">إذا دفعت عربونا فإن ذلك سيخفض المبلغ الإجمالي الذي تموله لأنه سيتعين عليك اقتراض أموال أقل. وكلما كان مبلغ العربون أكبر، كلما انخفضت التكلفة الإجمالية للقرض.</p><h3 data-block-key="aqsro">قرر ما إذا كنت تريد استبدال سيارتك الحالية</h3><p data-block-key="bhh6d">إذا كنت تمتلك سيارة بالفعل، فابحث عن قيمتها لمعرفة المبلغ الذي قد تحصل عليه من عملية مبادلة أو بيع خاص. يمكنك البحث عن القيمة التقريبية باستخدام مواقع الويب التجارية عبر الإنترنت مثل Consumer Reports و Edmunds و Kelley Blue Book و J.D. Power و online classifieds (الإعلانات المبوبة على الإنترنت). قد تكون هذه الموارد متاحة أيضًا في مكتبتك المحلية. سيساعدك العثور على أمثلة لسيارات مماثلة تم بيعها مؤخرًا في منطقتك على معرفة السعر العادل.</p><p data-block-key="2eh57">بمجرد أن تعرف قيمة سيارتك الحالية بالتقريب، يمكنك أن تقرر ما إذا كنت تريد استبدالها أو بيعها بنفسك. إذا قمت باستبدالها لدى أحد الوكلاء، فستقرر أنت والتاجر القيمة التي ستُخصم من سعر شراء سيارتك التالية. إذا قمت ببيعها بنفسك، فيمكنك استخدام الأموال التي تحصل عليها كعربون.</p><h2 data-block-key="c054v">إذا كان لديك قرض حالي على سيارتك التي تريد ا استبدالها، ففكّر في وضعك بعناية</h2><p data-block-key="4hl58">فكر جيدًا فيما إذا كنت ستتحمل ديونًا جديدة بالإضافة إلى ديونك الحالية. فيما يلي بعض الاعتبارات والخطوات:</p><ul><li data-block-key="13su">اعرف من من المقرض الحالي ما هو <b>مبلغ السداد</b>، وهو المبلغ المطلوب دفعه لسداد القرض الحالي، قبل الذهاب إلى الوكالة.</li><li data-block-key="a5dip">حدد ما إذا كنت ستسدد قرضك الحالي الآن، وانتظر حتى تسدد قرض السيارة القديم قبل أن تقترض لسيارة أخرى، أو قم بتضمين المبلغ الذي لا تزال مدينًا به لسيارتك الحالية في قرض سيارتك الجديدة.</li><li data-block-key="fo6rq">إذا كنت مدينًا لسيارتك الحالية بأكثر مما تستحق - يشار إليه على أنه <b>مقلوب</b> - فهذا يعني أن لديك <b>رصيدًا سلبيًا</b>. إذا قمت بتدوير رصيد قرض السيارة الحالي الخاص بك إلى قرض السيارة الجديد، فقد يؤدي ذلك إلى زيادة تكلفة قرض السيارة الجديد. ستكون التكلفة الإجمالية لقرضك أعلى لأنك ستقترض أكثر من مجرد سعر سيارتك الجديدة.</li><li data-block-key="115q4">بعد البحث عن قيمة التي ستعود إليك من استبدال سيارتك ، إذا كان المبلغ الذي لا تزال مدينًا به في عملية الاستبدال أقل مما يستحق، فتأكد أثناء أي مفاوضات من التفكير فيما إذا كنت ستحصل على قيمة عادلة لسيارتك التي تستبدلها وأنك قادر على سداد قرض السيارة القديم بالكامل.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="m8tu6">هل ما زلت مدينًا بالمال على سيارتك التي تريد استبدالها ؟</h3><p data-block-key="9g3b9">إذا كنت تفكر في ترحيل رصيد القرض القديم إلى قرضك الجديد، فتأكد من فهم كيف سيؤثر ذلك على التكلفة الإجمالية لقرضك الجديد. انظر بعناية إلى التكلفة الإجمالية للقرض الجديد بما في ذلك المبلغ المقترض ومعدل النسبة المئوية السنوي (APR) وسعر الفائدة ومدة القرض (بالأشهر) والقسط الشهري - قبل الموافقة على أي شيء. إذا لم تقم بترحيل المبلغ الذي لا تزال مدينًا به لسيارتك القديمة إلى القرض الجديد، واحتفظت بسيارتك الحالية أثناء شراء سيارة جديدة، فسيكون لديك قرضان وقسطان شهريان عليك دفعهما. في كلتا الحالتين، قد ترغب في التفكير فيما إذا كان من المنطقي المضي قدمًا في المعاملة وشراء السيارة التالية إذا كنت لا تزال مدينًا بالمال على سيارتك التي تريد استبدالها. لمزيد من المعلومات، يرجى زيارة الموقع الإلكتروني <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">فكر في الإضافات الاختيارية مسبقًا</h3><p data-block-key="3tk6a">عندما تذهب إلى تاجر سيارات، ففي الغالب ستُعرض عليك منتجات وخدمات إضافية للسيارة أو للقرض. فمن المستحسن أن تفكر في هذه الإضافات مسبقًا، بحيث تقلل من الأمور التي تسبب لك أي قلق في الوكالة، وتكون لديك إجابات جاهزة عندما يُطلب منك شراء هذه الإضافات. وتشمل الإضافات الشائعة ما يلي:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>عقود الخدمة أو الضمانات الممتدة</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>تأمين حماية قرض السيارة المضمونة (Guaranteed Auto Protection, GAP)</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>تأمين الائتمان</b></a></li><li data-block-key="a9ph8"><b>ميزات إضافية للسيارة</b>، مثل أنظمة الإنذار، وتظليل النوافذ، وحماية الإطارات والعجلات، وغيرها من المنتجات</li></ul><p data-block-key="cimum">هذه المنتجات والخدمات التي يمكنك تمولها اختيارية. إذا قمت بشرائها فإن السعر قابل للتفاوض. إذا كنت تعتقد أنك تريد شراء هذه المنتجات أو الخدمات، فتسوق. على سبيل المثال، قد تقدم شركة التأمين على السيارات الخاصة بك تأمين GAP أو تأمين الائتمان أو بدائل أخرى. وإذا قمت بتمويل الإضافات الاختيارية كجزء من قرضك، سيزداد المبلغ الذي تقترضه وتدفعه.</p><p data-block-key="eo498">الآن وبعد أن قمت بجمع كل ما يجب من معلومات، فأنت على استعداد لاتخاذ الخطوة التالية: التسوق للحصول على قرض السيارة. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">استخدم ورقة عمل قرض السيارة الموجودة بالموقع consumerfinance.gov لتتبع شروط القرض ومقارنة اختياراتك.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> وخذ ورقة العمل معك إلى البنك، والاتحاد الائتماني، والمقرض الآخر، والوكالة حتى تتمكن من مقارنة خيارات القروض المعروضة عليك والحصول على أفضل صفقة لك.</p><h2 data-block-key="82bj6">تسوق للحصول على قرض سيارة</h2><p data-block-key="1ao1n">أنت الآن جاهز لبدء التسوق للحصول على قرض. قبل أن تتوجه إلى الوكالة، اجمع معلوماتك الشخصية وفكر في الحصول على موافقة مسبقة للحصول على قرض.</p><p data-block-key="doc6i">فالتسوق في وقت مبكر سيجعلك على استعداد للتفاوض بشأن قرض السيارة الخاص بك وسيجعل العملية أقل إرهاقًا.</p><h3 data-block-key="f6jf9">اجمع معلوماتك الشخصية</h3><p data-block-key="96tmg">عندما تتجه إلى بنك أو اتحاد ائتماني أو وكالة، تأكد من جمع جميع المعلومات التي ستحتاج إليها. سيطلب المقرضون بشكل عام هذه المعلومات في طلب القرض:</p><ul><li data-block-key="95bst">الاسم</li><li data-block-key="epmgv">رقم الضمان الاجتماعي أو ITIN (رقم تعريف دافع الضريبة للفرد)</li><li data-block-key="ar6tt">تاريخ الميلاد</li><li data-block-key="51r8q">العنوان الحالي والسابق (العناوين الحالية والسابقة) ومدة الإقامة</li><li data-block-key="dm658">صاحب العمل الحالي والسابق (أصحاب العمل الحاليون والسابقون) وطول مدة التوظيف</li><li data-block-key="71t13">المهنة</li><li data-block-key="38ffb">مصادر الدخل</li><li data-block-key="32aau">إجمالي الدخل الشهري الكلي</li><li data-block-key="9t549">المعلومات المالية عن حسابات الائتمان الجارية، بما في ذلك الديون الأخرى</li></ul><h2 data-block-key="1i6s8">احصل على موافقة مسبقة للحصول على قرض</h2><p data-block-key="foosp">يعد الحصول على عرض أو سعر لقرض تمت الموافقة عليه مسبقًا شاملا الحد الأقصى لمبلغ القرض وسعر الفائدة من بنك أو اتحاد ائتماني أو مقرض آخر مكانًا جيدًا للبدء. إذا حصلت على عرض لسعر قرض من مقرض إلى التاجر، فقد تكون في وضع أقوى للمساومة والحصول على صفقة أفضل، سواء التزمت بالعرض الذي أحضرته معك أو قررت قبول عرض التمويل المقدم من التاجر.</p><p data-block-key="emkma">تساعدك الموافقة المسبقة أيضًا على البقاء في حدود ميزانيتك وتسمح لك بمقارنة أسعار الفائدة دون ضغوط الوقت التي قد تشعر بها بمجرد أن تكون في الوكالة. ثم في الوكالة، يمكنك التركيز أكثر على السعر الفعلي للسيارة وسيارتك التي تريد استبدالها لأنك ستكون على دراية مسبقة بشروط القرض الذي يمكنك الحصول عليها. وسيظل لديك خيار التفاوض على قرض أفضل في الوكالة وعدم استخدام الموافقة المسبقة التي حصلت عليها.</p><p data-block-key="1bodc">إذا تمت الموافقة على طلبك مسبقًا، فسيقوم المُقرض بإعطائك المستندات اللازمة لأخذها إلى ا الوكالة. وبمجرد أن تكون مستعدًا للشراء، سيقوم التاجر بعمل الترتيبات النهائية مع المُقرض الخاص بك.</p><h3 data-block-key="9e9g">افهم كيف يؤثر التسوق للحصول على قرض على درجتك الائتمانية</h3><p data-block-key="afrhi">التسوق من أجل الحصول على أفضل صفقة لقرض سيارة عامة لا يكون له أي تأثير يُذكر على درجاتك الائتمانية. فإن فائدة التسوق ستفوق بكثير أي تأثير على درجتك (درجاتك) الائتمانية. في بعض الحالات، قد يؤدي التقدم بطلب للحصول على قروض متعددة على مدى فترة زمنية طويلة إلى خفض درجتك (درجاتك) الائتمانية. واعتمادًا على النموذج المستخدم لتحديد الدرجة الائتمانية ، بشكل عام، فإن أي طلبات أو استفسارات من جانب هؤلاء المقرضين للحصول على درجتك (درجاتك) الائتمانية والتي حدثت في غضون فترة زمنية تتراوح من 14 يومًا إلى 45 يومًا سيتم احتسابها كاستعلام واحد فقط. وهذا يعني أن التسوق للحصول على قرض سيارة خلال تلك الفترة الزمنية سيحتسب مثله مثل التقدم بطلب للحصول على قرض واحد فقط. يمكنك التقليل إلى الحد الأدنى من أي تأثير سلبي على درجتك الائتمانية عن طريق القيام بكل ما تبذله من التسوق للحصول على أفضل الأسعار في فترة زمنية قصيرة.</p><h3 data-block-key="ff4qh">اعرف حقوقك</h3><p data-block-key="ardo">لا يجوز لمُقرض تثبيطك أو رفض طلبك للحصول على ائتمان، أو عرض أسعار مختلفة أو شروط وأحكام أخرى للقرض، بناءً على العرق أو اللون أو الدين أو الأصل القومي أو الجنس أو الحالة الاجتماعية أو السن أو تلقي دخل المساعدة العامة، أو ممارسة بحسن نية لأي حق بموجب قانون حماية ائتمان المستهلك.</p><p data-block-key="55jgs">يمكنك التبليغ عن الاحتيال عبر الإنترنت لدى لجنة التجارة الفيدرالية (Federal Trade Commission, FTC) على الموقع <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> أو إرسال شكوى إلى مكتب الحماية المالية للمستهلكين (Consumer Financial Protection Bureau, CFPB)) على الموقع <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> أو عن طريق الاتصال هاتفيا على الرقم المجاني 1-855-411-CFPB (2372).</p>
+            </div>
+</div>
+   </div>
+        </div>
+        <aside class="u-layout-grid_sidebar">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            ابق على إطلاع
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="e8asu">اشترك للحصول على معلومات لمساعدة المجتمعات متعددة اللغات</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                عنوان البريد الإلكترون
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">التسجيل</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                انظر بيان قانون الخصوصية
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+        </aside>
+        </div>
+    </main>
+<footer class="o-footer">
+    <div class="wrapper wrapper__match-content">
+        <div class="o-footer_pre">
+            <a class="a-btn a-btn__secondary o-footer_top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#">
+                Back to top <svg class="cf-icon-svg cf-icon-svg__arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.029 1.029 0 0 1 0 1.456z"></path></svg>
+</a>
+            <ul class="o-footer_nav-list m-list">
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/">
+                            About Us
+                        </a>
+                    </li>
+                    <li class="m-list_item">
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+                        <a class="m-list_link" href="/office-civil-rights/no-fear-act-cummings-act/">
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+                        <a class="m-list_link" href="/tribal/">
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\ No newline at end of file
diff --git a/www.consumerfinance.gov/language/cfpb-in-english/index.html b/www.consumerfinance.gov/language/cfpb-in-english/index.html
index c4b8f75c7fab..379ed328892f 100644
--- a/www.consumerfinance.gov/language/cfpb-in-english/index.html
+++ b/www.consumerfinance.gov/language/cfpb-in-english/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small Business Lending Database
+        Small business lending database
     </a>
 </li>
             </ul>
diff --git a/www.consumerfinance.gov/language/ht/auto-loan-key-terms/index.html b/www.consumerfinance.gov/language/ht/auto-loan-key-terms/index.html
new file mode 100644
index 000000000000..9bdca6cccccb
--- /dev/null
+++ b/www.consumerfinance.gov/language/ht/auto-loan-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="ht" class="no-js">
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+    <link rel="preload"
+          href="/static/fonts/627fbb5a-3bae-4cd9-b617-2f923e29d55e.24932ad03d18.woff2"
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+<header class="o-header o-header__mega-menu">
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+        <div class="wrapper
+                    wrapper__match-content">
+<div class="a-tagline"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
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+</div>
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
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+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
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+                u-hidden"
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+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Chèche</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Chèche</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
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+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
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+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ht/">
+                    CFPB in Haitian Creole
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Vizite seksyon sa a
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mo pi enpòtan yo nan zafè prè pou achte machin
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/bank-accounts-key-terms/>
+    Mo pi enpòtan yo nan zafè kont labank
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/credit-card-key-terms/>
+    Mo pi enpòtan yo nan zafè kat kredi
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/credit-reports-and-scores-key-terms/>
+    Mo pi enpòtan yo nan zafè rapò ak nòt kredi
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/debt-collection-key-terms/>
+    Mo pi enpòtan yo nan zafè rekouvreman dèt
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/fraud-key-terms/>
+    Mo pi enpòtan yo nan zafè fwòd ak eskwokri
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/mortgages-key-terms/>
+    Mo pi enpòtan yo nan zafè prè pou achte kay
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto loan key terms (in Haitian Creole)</div>
+<h1>Mo pi enpòtan yo nan zafè prè pou achte machin</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/auto-loans-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/auto-loans-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/auto-loans-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/auto-loan-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/auto-loan-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/auto-loans-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/auto-loan-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>Kreyòl Ayisyen</li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Valè</b> <b>Reyèl (ACV) (Actual Cash Value (ACV))</b></h2><p data-block-key="6ccnd">Valè Kach Reyèl la (ACV) se valè machin nan dapre sous endepandan tout moun rekonèt tankou <a class="a-link a-link__icon" data-pretty-href="http://www.nadaguides.com/" href="/external-site/?ext_url=http%3A%2F%2Fwww.nadaguides.com%2F&amp;signature=lYL1SGwoHJxCI556edsQt00usLezbu7hyPYmIOevXH8"><span class="a-link_text">National Automobile Dealers Association (Asosyasyon Nasyonal Konsesyonè Machin nan)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> oswa <a class="a-link a-link__icon" data-pretty-href="https://www.kbb.com/" href="/external-site/?ext_url=https%3A%2F%2Fwww.kbb.com%2F&amp;signature=2bCu3ZInSoTikSQ9HXVUzPyoFPeX43MV2cnDGtMuwpo"><span class="a-link_text">Kelley Blue Book</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.</p><p data-block-key="1ni2c"><a>Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="8q1om"></p><h2 data-block-key="5oncr"><b>Amòtisman (Amortization)</b></h2><p data-block-key="3nlaf">Amòtisman an dekri pwosesis fin peye prè pou achte machin ou an ofiyamezi. Nan yon prè amòtisab, pou chak peman ou fè nan yon mwa, gen yon pòsyon yo itilize pou peye montan prè a – <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">kapital la</a> – epi yo sèvi ak yon pòsyon nan peman an pou peye chaj finansye yo – enterè a.</p><p data-block-key="e5auc"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="6dc6m"></p><h2 data-block-key="aiks5"><b>To Enterè</b> <b>Anyèl (APR) (Annual Percentage Rate (APR))</b></h2><p data-block-key="2act7">To Enterè Anyèl la (APR) se depans ou fè chak ane pou prete lajan, sa gen ladan frè yo, ki eksprime sou fòm pousantaj. APR la se yon mezi pi jeneral depans ou fè pou prete lajan poutèt li reflete non sèlman to enterè a men frè ou gen pou peye yo pou jwenn prè a tou. Plis APR la wo, plis w ap peye pandan dire prè a.</p><p data-block-key="8kf2t">APR ak <a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">to enterè</a> yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR men se pa avèk to enterè.<br/><br/></p><hr/><p data-block-key="54t8p"></p><h2 data-block-key="6okff"><b>Benefisyè (Assignee)</b></h2><p data-block-key="ci3ju">Yon benefisyè se yon moun oswa yon konpayi ki achte prè pou achte machin ou an. Pa egzanp, yon konsesyonè ki ofri ou kredi gen dwa vann prè w lan bay yon bank, sa ki fè bank la vin benefisyè a. Se moun ki achte prè w la ou dwe lajan an. Benefisyè a gen dwa retansyon sou machin nan e li kapab sezi li si ou pa peye.<br/><br/></p><hr/><p data-block-key="bepqp"></p><h2 data-block-key="ds4dv"><b>Pri</b> <b>debaz (Base price)</b></h2><p data-block-key="5tgv2">Pri debaz la se pri machin nan san opsyon.</p><p data-block-key="a4phu"><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="6l200"></p><h2 data-block-key="efc2"><b>To dacha (Buy rate)</b></h2><p data-block-key="2ark3">To dacha a se yon estimasyon to enterè yon pretè posib ap bay konsesyonè ou a lè ou mande pou <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">konsesyonè a fè aranjman pou finansman</a> pou ou.</p><p data-block-key="aa9f9"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="da61r"></p><h2 data-block-key="eitro"><b>Kosiyatè (Co-signer)</b></h2><p data-block-key="c21rc">Yon kosiyatè se yon moun—tankou yon paran, yon manm fanmi pwòch, oswa yon zanmi—ki pwomèt remèt prè a si ou pa fè l. Li kapab bon pou ni ou ni pretè w la. Kosiyatè a pran responsabilite total pou li remèt prè a. Lè ou gen yon kosiyatè sou prè w la sa bay pretè w la asirans prè a ap remèt. Si ou pa remèt prè w la, kosiyatè w la ap responsab remèt li menm si kosiyatè a pa t jan kondwi machin ou an. Si yo mande ou kosiyen yon prè, ou dwe konsidere <a class="" data-pretty-href="cfpb.gov/askcfpb/813" href="/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/">ki konsekans l ap genyen sou finans ou</a>.<br/><br/></p><hr/><p data-block-key="dlt3q"></p><h2 data-block-key="esoun"><b>Asirans</b> <b>kredi (Credit insurance)</b></h2><p data-block-key="3cba5">Asirans kredi an se yon asirans ou pa oblije pran ki gen dwa fè peman pou machin nan bay pretè w la nan sèten sitiyasyon, tankou si ou mouri oswa vin andikape. Si w ap reflechi sou <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">asirans kredi</a>, ou dwe konprann kondisyon règleman y ap ofri w lan. Si ou deside ou bezwen asirans, gen dwa gen fason pi bon mache pou w jwenn pwoteksyon pase achte asirans kredi epi ajoute li nan prè pou achte machin ou an. Pa egzanp, asirans vi gen dwa mwen chè pase asirans vi kredi epi li gen dwa kite fanmi ou fin peye lòt depans anplis prè pou achte machin ou an.<br/><br/></p><hr/><p data-block-key="n1ad"></p><h2 data-block-key="l6j3"><b>Pwodwi</b> <b>pou anilasyon</b> <b>oswa</b> <b>sispansyon</b> <b>dèt (Debt cancellation or suspension products)</b></h2><p data-block-key="1037g">Gen konsesyonè epitou bank ak kès depay ki ofri pwodwi oswa asirans “anilasyon dèt” oswa “sispansyon dèt” sou diferan non. Pwodwi sa yo sanble asirans kredi nan fason yo fonksyone, men frè yo ak karakteristik yo gen dwa diferan.</p><p data-block-key="cs8p3"><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="4g5tj"></p><h2 data-block-key="am6r8"><b>Balans defisitè (Deficiency balance)</b></h2><p data-block-key="24ku2">Si yo sezi epi vann machin ou an, ou gen dwa responsab peye diferans la ant montan ki rete nan prè w la (plis frè sezi yo) ak pri devant la. Yo rele sa “balans defisitè”.<br/><br/></p><hr/><p data-block-key="a99v5"></p><h2 data-block-key="8c94m"><b>Avalwa (Down payment)</b></h2><p data-block-key="9qmqb">Yon avalwa se yon premye peman davans ou fè sou pri total machin nan. Avalwa ou a ka kach, valè yon tredin, oswa toude. Plis avalwa ou a wo, mwens ou bezwen prete. Yon gwo avalwa gen dwa redui peman pa mwa w lan tou ak pri total finansman an.<br/><br/></p><hr/><p data-block-key="4njk1"></p><h2 data-block-key="45c85"><b>Garanti pwolonje</b> <b>oswa</b> <b>kontra</b> <b>sèvis machin (Extended warranty or vehicle service contract)</b></h2><p data-block-key="fbhc6">Yon garanti pwolonje oswa kontra sèvis machin kouvri depans yo pou sèten kalite reparasyon, anplis garanti fabrikan an oswa lè garanti fabrikan an fini.</p><p data-block-key="qkor"><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="2sjqi"></p><h2 data-block-key="5q2um"><b>Depatman</b> <b>finans</b> <b>ak</b> <b>asirans la (Finance and insurance department)</b></h2><p data-block-key="8m9jg">Si w achte yon machin kay yon konsesyonè, vandè a gen dwa voye ou wè yon moun nan biwo finans ak asirans la (F&I) oswa nan biwo dafè a. Se pati kay konsesyonè a k ap vann kliyan yo prè ak diplis lè yo fin aksepte achte yon machin kay konsesyonè a.</p><p data-block-key="cfi55"><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="a2ess"></p><h2 data-block-key="c2a3g"><b>Finansman</b> <b>ak to fiks (Fixed-rate financing)</b></h2><p data-block-key="aabvs">Finansman ak to fiks vle di to enterè sou prè w la pa chanje pandan dire prè w la. Avèk yon to fiks, ou ka wè peman ou pou chak mwa ak total w ap peye a pandan dire yon prè. Ou ta ka pito finansman ak to fiks la si w ap chèche yon peman prè ki p ap chanje. Finansman ak to fiks la se yon kalite finansman. Yon lòt kalite se <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">finansman ak to varyab</a>.<br/><br/></p><hr/><p data-block-key="fknfu"></p><h2 data-block-key="9o962"><b>Asirans</b> <b>pretè (Force-placed insurance)</b></h2><p data-block-key="d8e98">Pou w jwenn prè pou achte machin, ou dwe gen asirans pou kouvri machin nan menm. Si ou pa arive jwenn asirans oswa si ou kite asirans ou a ekspire, kontra a nòmalman bay pretè a dwa pou li pran asirans pou kouvri machin nan. Asirans sa a rele “asirans pretè”.</p><p data-block-key="e0d32"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="6s4ki"></p><h2 data-block-key="f4kie"><b>Asirans</b> <b>Pwoteksyon Machin Garanti (GAP) (Guaranteed Auto Protection (GAP) insurance)</b></h2><p data-block-key="1ubqa">Asirans GAP la kouvri diferans la (oswa eka a) ant montan ou dwe sou prè pou achte machin ou an ak sa asirans ou a ap peye si yo vòlè machin ou an, li donmaje, oswa li kraze nèt. Ou pa oblije achte asirans sa a, men si ou deside ou vle li, fè konparezon. Pretè yo gen dwa gen diferan pri pou pwodwi sa a.<br/><br/></p><hr/><p data-block-key="dvp02"></p><h2 data-block-key="96inf"><b>To enterè (Interest rate)</b></h2><p data-block-key="5idjk">To enterè yon prè pou achte machin se pri ou peye chak ane a pou prete lajan, ki eksprime sou fòm pousantaj. To enterè a pa gen ladan frè yo fè ou peye pou prè a.</p><p data-block-key="6o0qe">APR ak to enterè yon prè pou achte machin se de (2) nan fason pi enpòtan yo pou mezire pri w ap peye a pou prete lajan an. Lwa federal sou Verite nan Prè a (TILA) egzije pretè yo pou yo aklè lè y ap ba ou kondisyon enpòtan yo, sa gen ladan APR la, anvan lalwa vin oblije ou pou w remèt prè a. Kòm tout pretè yo dwe bay APR la, ou ka sèvi ak APR la pou konpare prè pou achte machin yo. Annik verifye ke w ap konpare APR avèk APR e pa avèk to enterè.<br/><br/></p><hr/><p data-block-key="n0oh"></p><h2 data-block-key="15l97"><b>Echeyans</b> <b>oswa dire prè a (Loan term or duration)</b></h2><p data-block-key="d5lp8">Se dire prè pou achte machin ou an, ki jeneralman eksprime an mwa. Yon echeyans pi kout pou prè a (kote ou fè peman chak mwa pandan mwens mwa) ap redwi ri total prè w la. Yon prè pi long ka redwi peman chak mwa w lan, men w ap peye plis enterè sou dire prè a. Yon prè pi long ap fè ou riske tou pou w vin gen kapital negatif, ki se lè ou dwe plis sou machin nan pase sa machin nan vo.<br/><br/></p><hr/><p data-block-key="73vsv"></p><h2 data-block-key="b2fdq"><b>Rapò</b> <b>prè-valè (Loan-to-value ratio)</b></h2><p data-block-key="tqgp">Rapò prè-valè a (LTV) se valè lajan total prè w la divize pa valè kach reyèl (ACV) machin ou an. Yo nòmalman eksprime li an pousantaj. Akont ou an ap redui rapò prè-valè prè w lan.</p><p data-block-key="86pu7"><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="a28vr"></p><h2 data-block-key="f9v1"><b>Abitraj</b> <b>obligatwa (Mandatory binding arbitration)</b></h2><p data-block-key="6ordq">Lè ou siyen yon kontra ki gen yon kondisyon abitraj obligatwa, ou dakò pou rezoud tout konfli sou kontra a devan yon abit k ap pran desizyon sou konfli an olye pou w ale nan tribinal. Ou gen dwa dakò renonse a lòt dwa tou, tankou kapasite ou pou w fè apèl desizyon an oswa pou w patisipe nan yon pwosè nan non yon gwoup moun.</p><p data-block-key="1kfrj"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="15t3u"></p><h2 data-block-key="675uj"><b>Avantaj</b> <b>fabrikan yo (Manufacturer incentives)</b></h2><p data-block-key="etvhl">Avantaj fabrikan yo se bon afè espesyal, tankou 0% finansman oswa ranbousman kach ou gen dwa wè nan reklam pou nouvo machin. Souvan, se pou sèten modèl sèlman yo ofri yo.</p><p data-block-key="7dh0f"><a>Li plis (ann anglè)</a></p><p data-block-key="5u5a7"><br/><br/></p><hr/><p data-block-key="7o0qv"></p><h2 data-block-key="5puo6"><b>Pri</b> <b>Detay</b> <b>Fabrikan an Sijere (MSRP) (Manufacturer Suggested Retail Price (MSRP))</b></h2><p data-block-key="4lkk0">Pri Detay Fabrikan an Sijere a (MSRP) se pri konstriktè otomobil la – fabrikan an – <b>sijere</b> pou konsesyonè a mande pou machin nan.</p><p data-block-key="vcmu"><a>Li plis (ann anglè)</a></p><p data-block-key="2flfo"><br/><br/></p><hr/><p data-block-key="flbbk"></p><h2 data-block-key="f8ab7"><b>Kapital</b> <b>negatif (Negative equity)</b></h2><p data-block-key="3her8">Si ou dwe plis sou prè pou achte machin ou genyen kounye a pase sa machin nan vo alòs ou gen yon kapital negatif. Sa vle di, si ou ta eseye vann machin ou an, ou pa t ap kapab jwenn sa ou deja dwe sou li an. Paregzanp, an nou di ou dwe $10,000 sou prè pou achte machin ou an epi machin ou an vo $8,000 kounye a. Sa vle di ou gen yon kapital negatif $2,000. W ap gen pou fin peye kapital negatif sa a si ou vle twoke machin ou an epi pran yon prè pou achte yon machin nèf.</p><p data-block-key="b5tdr"><br/><br/></p><hr/><p data-block-key="3g3pr"></p><h2 data-block-key="m7ma"><b>Prè pou achte machin san verifikasyon</b> <b>kredi</b> <b>oswa “achte</b> <b>isit la, peye</b> <b>isit la” (No credit check or "buy here, pay here" auto loan)</b></h2><p data-block-key="5sf23">Yon prè pou achte machin “san verifikasyon kredi” oswa “achte isit la, peye isit la”, se konsesyonè ki nòmalman finanse prè pou achte machin “sou plas” pou kliyan ki pa gen kredi oswa ki gen move kredi, ki ofri li.</p><p data-block-key="6ls4n"><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="7gl2e"></p><h2 data-block-key="aonqb"><b>Kapital (Principal)</b></h2><p data-block-key="ac95f">Kapital la se lajan ou te dakò remèt la nan kòmansman.</p><p data-block-key="cnmv">Jeneralman, tout peman ou fè sou yon prè pou achte machin ap sèvi toudabò pou peye frè ou dwe yo (paregzanp, frè reta). Apre sa, lajan ki rete nan peman w lan ap sèvi pou peye tout <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">enterè</a> ou dwe, sa gen ladan enterè w ap peye an reta, si genyen. Apre sa rès peman w lan ap sèvi pou peye balans kapital prè w lan.<br/><br/></p><hr/><p data-block-key="791nu"></p><h2 data-block-key="5286v"><b>Pri</b> <b>baze sou risk (Risk-based pricing)</b></h2><p data-block-key="cfduo">Pri baze sou risk se lè pretè yo ofri diferan kliyan diferan to enterè oswa lòt kondisyon prè, baze sou risk yo estime ki genyen pou kliyan yo pa remèt lajan yo prete a.</p><p data-block-key="8m9c"><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="2mq8d"></p><h2 data-block-key="27uu3"><b>Pri total (Total cost)</b></h2><p data-block-key="3t2ti">Se kantite ou pral peye pou achte machin ou, sa gen ladan kapital, enterè, ak tout akont oswa tredin, pandan dire prè a.<br/><br/></p><hr/><p data-block-key="alehc"></p><h2 data-block-key="auoem"><b>Deklarasyon Verite nan Prè (Truth in Lending disclosure)</b></h2><p data-block-key="9u70j">Lwa federal sou Verite nan Prè a (oswa “TILA” pou pi kout)—egzije pou moun ki mande prè a resevwa deklarasyon ekri sou kondisyon kredi enpòtan anvan lalwa oblije yo peye prè a. Aprann plis sou <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">enfòmasyon ki nan deklarasyon TILA w lan</a> ak sou ki lè ou dwe resevwa l epi li l.<br/><br/></p><hr/><p data-block-key="2ir73"></p><h2 data-block-key="ejsl2"><b>Finansman</b> <b>ak to varyab (Variable-rate financing)</b></h2><p data-block-key="e1436">Finansman ak to varyab se lè to enterè prè w lan ka chanje, baze sou to preferansyèl la oswa sou yon lòt to ki rele “endèks”. Avèk yon prè ak to varyab, to enterè a sou prè a ap chanje amezi to endèks la ap chanje, sa ki vle di li ka monte oubyen desann. Poutèt to enterè w lan ka monte, peman pa mwa w lan ka monte tou. Plis echeyans prè a long, plis yon prè ak to varyab ka gen risk pou yon moun ki mande prè, poutèt to yo gen plis tan pou yo monte. Finansman ak to varyab la se yon kalite finansman. Yon lòt kalite se <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">finansman ak to fiks</a>.<br/><br/></p><hr/><p data-block-key="72emr"></p><h2 data-block-key="4u750"><b>Asirans nan Enterè</b> <b>Machann nan Sèlman (VSI) (Vendor's Single Interest (VSI) insurance)</b></h2><p data-block-key="6c9kr">Asirans VSI la pwoteje pretè a, menm pa ou, nan ka machin nan ta donmaje oswa kraze nèt.</p><p data-block-key="7nuoo"><a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">Li plis (ann anglè)</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ht/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/ht/bank-accounts-key-terms/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/ht/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            Chèche
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">Chèche</span>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">Fèmen</span>
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+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
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+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Chèche</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Chèche</button>
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+        </form>
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+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
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+                Close the main menu
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+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       href="/compliance/supervision-examinations/"
+       >
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+    >
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
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+                aria-label="Compliance"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
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+    </div>
+        </div>
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+       >
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+       >
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+    </a>
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+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+</li>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
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+                aria-label="News"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Testimony
+    </a>
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+    >
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+       href="/about-us/newsroom/?categories=directors-statement"
+       >
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+    </a>
+</li>
+            </ul>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="News"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+    >
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+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+            </ul>
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+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
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+                            Español
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+                            中文
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+                            Tiếng Việt
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+                            한국어
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+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+            </div>
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+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ht/">
+                    CFPB in Haitian Creole
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Vizite seksyon sa a
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/auto-loan-key-terms/>
+    Mo pi enpòtan yo nan zafè prè pou achte machin
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mo pi enpòtan yo nan zafè kont labank
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/credit-card-key-terms/>
+    Mo pi enpòtan yo nan zafè kat kredi
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/credit-reports-and-scores-key-terms/>
+    Mo pi enpòtan yo nan zafè rapò ak nòt kredi
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/debt-collection-key-terms/>
+    Mo pi enpòtan yo nan zafè rekouvreman dèt
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/fraud-key-terms/>
+    Mo pi enpòtan yo nan zafè fwòd ak eskwokri
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ht/mortgages-key-terms/>
+    Mo pi enpòtan yo nan zafè prè pou achte kay
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Bank accounts key terms (in Haitian Creole)</div>
+<h1>Mo pi enpòtan yo nan zafè kont labank</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/bank-accounts-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/bank-accounts-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/bank-accounts-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/bank-accounts-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/bank-accounts-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/bank-accounts-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/bank-accounts-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>Kreyòl Ayisyen</li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Chanm Konpansasyon Otomatik (ACH) (Automated Clearing House (ACH))</b></h2><p data-block-key="5j9sj">Otorizasyon Chanm Konpansasyon Otomatik la (ACH) se yon otorizasyon peman ki bay pretè a pèmisyon pou li pran lajan elektwonikman nan kont labank ou, kès depay ou, oswa kat peye davans ou lè moman an rive pou w peye. Ou ka revoke otorizasyon sa a.<br/><br/></p><hr/><p data-block-key="bbn74"></p><h2 data-block-key="6t4q5"><b>Peman debi otomatik (Automatic debit payment)</b></h2><p data-block-key="8gm5i">Avèk debi otomatik, ou bay konpayi an pèmisyon pou li pran peman yo dirèkteman nan kont labank ou. Se pa menm bagay ak opsyon pou peye bòdwo regilyèman ke bank ou a ofri an. Nan peman regilye bòdwo, ou bay pèmisyon pou bank ou oswa kès depay ou voye peman an bay konpayi an.<br/><br/></p><hr/><p data-block-key="fkdpv"></p><h2 data-block-key="7l1e5"><b>Sètifika depo (CD) (Certificate of deposit (CD))</b></h2><p data-block-key="407sq">Yon Sètifika Depo, oswa CD, se yon kalite kont depay espesyal ke bank yo oswa kès depay yo ofri. Ou jeneralman dwe kenbe fon w yo nan CD an pandan yon peryòd tan yo presize ba ou pou evite penalite.</p><p data-block-key="buqlh"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="1q6kv"></p><h2 data-block-key="a9o41"><b>Sètifika depo (CD) renouvle (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="7c67e">Yon renouvèlman ka fèt lè echeyans CD a rive.</p><p data-block-key="fae0b"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="42j9m"></p><h2 data-block-key="fpdn9"><b>Trèt a vi (Demand draft)</b></h2><p data-block-key="4u2mj">Yon trèt a vi kite yon moun tire lajan sou kont chèk ou san siyati ou.</p><p data-block-key="2hraf"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="fjjq1"></p><h2 data-block-key="1hq7j"><b>Blokaj depo (Deposit hold)</b></h2><p data-block-key="4bggk">Kantite tan yon bank oswa kès depay kenbe fon ou depoze pa chèk, yo rele sa pafwa “blokaj depo” oswa “blokaj chèk”. Gen bank ak kès depay ki gen dwa mete fon yo disponib pi vit pase sa lalwa egzije, epi genyen ki gen dwa akselere disponibilite fon yo si ou peye pou sa.<br/><br/></p><hr/><p data-block-key="5p5cp"></p><h2 data-block-key="579sj"><b>Fidisyè (Fiduciary)</b></h2><p data-block-key="d3nvl">Yon fidisyè se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Lè yo nonmen ou kòm fidisyè, lalwa egzije pou w jere lajan ak pwopriyete moun lan nan enterè li, pa nan enterè pa ou.<br/><br/></p><hr/><p data-block-key="b1m5f"></p><h2 data-block-key="12r50"><b>Gadyen pwopriyete (Guardian of property)</b></h2><p data-block-key="10t1g">Yon gadyen pwopriyete se yon moun tribinal la nonmen pou jere lajan ak pwopriyete yon lòt moun tribinal la jije li pa kapab jere lajan li ak pwopriyete li poukont li.</p><p data-block-key="eilia"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="1vo6a"></p><h2 data-block-key="4kt8i"><b>Nimewo endividyèl kontribyab (ITIN) (Individual taxpayer identification number (ITIN))</b></h2><p data-block-key="cs80b">ITIN nan se yon nimewo idantifikasyon ou resevwa nan men Sèvis Enpò sou Revni Ameriken an (Internal Revenue Service). ITIN nan disponib sèlman pou sèten etranje ki pa rezidan oswa ki rezidan, mari/madanm yo, ak depandan yo ki pa ka jwenn yon Nimewo Sekirite Sosyal.<br/><br/></p><hr/><p data-block-key="9j9ph"></p><h2 data-block-key="2jbo6"><b>Kont ini (Joint account)</b></h2><p data-block-key="1k2uj">Si ou ta renmen kite yon zanmi oswa yon manm fanmi ou ekri chèk ak fè depo pou ou, reflechi sou ouvè yon kont ini Jeneralman, tout moun ki gen non yo sou yon kont jwen ka ekri chèk, tire lajan, fè tranzaksyon, deplase fon, oswa fèmen kont la. Si gen youn nan moun ki sou kont la ki dwe lajan, kreyansye a ka eseye kolekte lajan nan kont ini an.<br/><br/></p><hr/><p data-block-key="7dj8"></p><h2 data-block-key="de54n"><b>Kont depo mache monetè (Money market account)</b></h2><p data-block-key="dpqjd">Yon kont depo mache monetè se yon kalite espesyal kont ke bank ak kès depay yo ofri.</p><p data-block-key="ck762"><a class="" data-pretty-href="cfpb.gov/askcfpb/1007" href="/ask-cfpb/what-is-a-money-market-account-en-1007/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="fcpog"></p><h2 data-block-key="ehtvb"><b>Frè ensifizans pwovizyon (NSF) (Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="1od7v">Yo gen dwa fè ou peye frè NSF oswa ensifizans pwovizyon lè chèk ou a oswa otorizasyon elektwonik ou a pa peye poutèt mank fon nan kont ou. Yo rele sa souvan chèk ki “retounen” oswa ki “san pwovizyon”.<br/><br/></p><hr/><p data-block-key="ctiev"></p><h2 data-block-key="2vcf2"><b>Dekouvè (Overdraft)</b></h2><p data-block-key="eaap8">Ou gen dekouvè lè ou pa gen ase lajan nan kont ou pou kouvri yon tranzaksyon, men bank la peye tranzaksyon an kanmenm. Kont ou ka vin dekouvè poutèt chèk, tranzaksyon nan ATM, acha avèk kat debi, peman otomatik bòdwo, ak retrè elektwonik oswa an pèsonn.</p><p data-block-key="e21pt">Gen anpil bank ak kès depay ki ofri pwogram pwoteksyon kont dekouvè kote bank la oswa kès depay lan jeneralman peye tranzaksyon an epi fè ou peye yon frè (anplis dèske li egzije pou w remèt montan dekouvè a). Ou ka kouvri dekouvè a tou gras a yon transfè fon soti nan yon kont ki lye, yon kat kredi, oswa yon liy kredi.<br/><br/></p><hr/><p data-block-key="5segl"></p><h2 data-block-key="3kmgl"><b>Liy kredi pèsonèl (Personal line of credit)</b></h2><p data-block-key="8eng2">Yon liy kredi pèsonèl se yon prè ou itilize detanzantan. Ou ekri chèk espesyal oswa mande transfè ale sou kont chèk ou a pa telefòn oswa sou entènèt.</p><p data-block-key="e9lut">Menm jan ak yon kont kat kredi, ou gen yon limit kredi, ou resevwa bòdwo chak mwa, ou fè omwen yon peman minimòm, ou peye enterè baze sou balans ou rete a, e petèt ou peye yon frè chak fwa ou sèvi ak kont la.</p><p data-block-key="ejf3j">Liy kredi pèsonèl yo pa gen garanti, kontrèman a Liy Kredi ki Garanti ak Byen Imobilye yo (HELOC), ki gen yon ipotèk sou kay ou ki kore yo. Se bank ak kès depay ki ofri liy kredi pèsonèl, e yo nòmalman egzije pou w gen yon kont chèk tou nan menm enstitisyon an.<br/><br/></p><hr/><p data-block-key="78blf"></p><h2 data-block-key="engal"><b>Manda legal (Power of attorney)</b></h2><p data-block-key="ds7ms">Yon manda legal (POA) se yon dokiman jiridik ki kite yon lòt moun aji nan non ou. Kreyasyon yon POA se yon fason pou nonmen yon moun k ap pran desizyon pou ou e li relativman bon mache, malgre yon avoka gen dwa oblije ede ou.</p><p data-block-key="9elbb">Yon POA finansye ka sèvi kòm zouti pou planifye enkapasite ki ka rive pi devan – lè ou p ap kapab pran desizyon finansye poutèt, paregzanp, ou vin annanfans, ou pran blesi ak chòk nan sèvo, oswa ou vin gen kèk lòt deteryorasyon ki gen konsekans sou fonksyon mantal ou. Lè li sèvi pou planifikasyon davans, yon POA jeneralman “dirab”, sa ki vle di li rete an vigè menm si moun ki kreye li an vin andikape. Kontinye li pou jwenn plis enfòmasyon sou <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">manda legal la (POA)</a>.<br/><br/></p><hr/><p data-block-key="apida"></p><h2 data-block-key="43h1q"><b>Moun k ap jere prestasyon pou yon lòt moun (Representative payee)</b></h2><p data-block-key="49q7a">Administrasyon Sekirite Sosyal la (SSA) nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè (SSI) li. Sèl sa moun k ap jere prestasyon pou lòt moun nan ka jere se chèk prestasyon ke SSA peye yo. Si moun k ap resevwa prestasyon yo gen lòt lajan oswa pwopriyete li pa ka jere, moun k ap jere prestasyon pou li an dwe gen otorizasyon legal nan men yon lòt sous pou li jere lòt fon yo. Paregzanp, yon tribinal ta ka nonmen yon moun k ap jere prestasyon pou yon lòt moun kòm <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">gadyen pwopriyete</a> tou. Kòm moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, ou se yon <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">fidisyè</a>.</p><p data-block-key="3cm8k">Pou plis enfòmasyon sou moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun, li <a href="/consumer-tools/managing-someone-elses-money/">gid</a> sa a sou jesyon lajan lòt moun.<br/><br/></p><hr/><p data-block-key="8aqeq"></p><h2 data-block-key="dk1hr"><b>Fidisi revokab (Revocable living trust)</b></h2><p data-block-key="c2138">Yon fidisi revokab se yon dokiman jiridik ki ba ou otorite pou pran desizyon sou lajan oswa pwopriyete yon lòt moun ke yon kenbe nan yon fidisi.</p><p data-block-key="c8lno"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="5qi3k"></p><h2 data-block-key="cr313"><b>Moun k ap jere prestasyon Sekirite Sosyal pou yon lòt moun (Social Security representative payee)</b></h2><p data-block-key="cp4jp">Administrasyon Sekirite Sosyal la nonmen yon moun pou jere prestasyon pou yon lòt moun ki bezwen yo ede li jere peman prestasyon Sekirite Sosyal li oswa Revni Sekirite Siplemantè li.</p><p data-block-key="7itpb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">Li plis (ann anglè)</a><br/><br/></p><hr/><p data-block-key="c4mc6"></p><h2 data-block-key="8rlhc"><b>Fidisyè VA (VA fiduciary)</b></h2><p data-block-key="agk48">Yon <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">fidisyè</a> se yon moun k ap jere lajan oswa pwopriyete pou yon lòt moun. Depatman Afè Ansyen Konbatan an (VA) nonmen fidisyè VA pou jere prestasyon ansyen konbatan pou moun ki pa ka jere fon yo poukont yo.</p><p data-block-key="cm56"><a>Li plis (ann anglè)</a></p>
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diff --git a/www.consumerfinance.gov/language/ht/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/ht/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..8ef5942eeafd
--- /dev/null
+++ b/www.consumerfinance.gov/language/ht/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1468 @@
+<!DOCTYPE html>
+<html lang="ht" class="no-js">
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+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    </ul>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
+                >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
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+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small Business Lending Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+                    CFPB in Haitian Creole
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+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for your auto loan (in Haitian Creole)</div>
+<h1>Chache alantou prè otomobil ou</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/"
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+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/shopping-for-your-auto-loan/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/shopping-for-your-auto-loan/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/shopping-for-your-auto-loan/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/shopping-for-your-auto-loan/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/shopping-for-your-auto-loan/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>Kreyòl Ayisyen</li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Chache alnatou prè epi eseye jwenn to ak kondisyon ki pi bon yo, menmsi sa konplike, se menm konparezon pou lè w ap achte lòt bagay. Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Prepare anvan ou aplike pou yon prè otomobil</h2><p data-block-key="9rgc7">W ap nan yon pi bon pozisyon pou chache alantou ak negosye pou yon prè otomobil si ou swiv etap sa yo anvan ou aplike pou yon prè.</p><h3 data-block-key="16i7v">Tcheke rapò kredi ou</h3><p data-block-key="3tlbu">Enfòmasyon ki nan rapò kredi ou ap detèmine nòt kredi ou yo. Nòt kredi ou jwe yon gwo pati nan detèmine ki kalite prè otomobil ou ka jwenn, ak konbyen enterè ou pral peye sou prè a. Men kèk resous itil:</p><ul><li data-block-key="fbp57">Pou jwenn yon kopi gratis rapò kredi ou chak ane nan chak twa ajans ki bay rapò sou kredi nan tout peyi a ale nan <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="67sah">Pou aprann kijan pou tcheke rapò kredi ou pou erè epi konteste nenpòt ki erè ou jwenn ale nan <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="fmc1m">Pou aprann sou rapò kredi ak nòt kredi yo, ale nan <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">Eske w bezwen yon ko-siyatè?</h3><p data-block-key="c54bv">Yon ko-siyatè se yon moun - tankou yon paran, yon manm fanmi, oswa yon zanmi - ki gen obligasyon nan yon kontra pou peye prè a menm jan ou ye a. Si istwa kredi ou limite oswa ou bezwen amelyore’l, epi ou gen yon pwen kredi ki ba (oswa pa gen nòt kredi), to enterè ou ta ka siyifikativman pi ba si ou gen yon ko-siyatè ak bon kredi oswa ekselan. Se paske kreditè a pral konte sou istwa kredi ko-siyatè a ak nòt nan deside fè prè a.</p><p data-block-key="1gd7q">Si w panse gen yon ko-siyatè, ou menm ak potansyèl ko-siyatè a ta dwe reflechi ak anpil atansyon sou desizyon sa a. Si ou pa ranbouse prè ou a, ou menm ak ko-siyatè w la ap responsab pou ranbousman an. Ko-siyatè a responsab pou prè a menmsi li pa gen dwa pou posesyon sou machin nan. Anplis de sa, nenpòt peman an reta ki fèt sou prè a li ka afekte dosye kredi ak eskò ou ak dosye kredi ak eskò ko-siyatè w la tou. Anjeneral, lalwa federal entèdi yon kreditè pou mande w gen yon ko-siyatè si w aplike pou yon prè endividyèlman epi ou kalifye dapre estanda kreditè a pou solvabilite pou prè a. Pou plis enfòmasyon sou ko-siyati vizite <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Konsilte to denterè prè otomobil kounyè a</h3><p data-block-key="c65uf">Ou ka chache to denterè yo nan diferan bank, kredi inyon ak lòt pretè. Konsa tou ou ka ale sou Entenèt nan paj plizyè sant komèsyal ki ka ba ou yon estimasyon to denterè yo nan diferan zòn peyi a. Kèk sit entènèt ka konekte ou ak pretè espesifik oswa dilè pou ka ba ou estimasyon, kidonk li enpòtan pou ou fè atansyon ak ki kalite enfòmasyon pèsonèl w ap bay.</p><h3 data-block-key="5r2vc">Konsidere yon peman davans</h3><p data-block-key="8tnai">Yon peman davans ap bese kantite total ou bezwen finanse paske w ap bezwen prete mwens lajan. Toutotan peman davans la pi wo, se konsa total prè a ap pi piti.</p><h3 data-block-key="aqsro">Deside si ou vle chanje machin ou genyen kounye a</h3><p data-block-key="bhh6d">Si ou deja gen yon machin, chache konnen valè li pou wè konbyen ou ka mande pou li si ou ta fè yon echanj oswa si ou ta vann li an prive. Ou ka konsilte valè apwoksimatif machin nan sou sit entènèt kèk biznis tankou Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power and kèk paj anons sou entènèt. Resous sa yo ka disponib tou nan bibliotèk zòn ou an. Sa ka ede ou tou si ou ka jwenn enfòmasyon sou machin ki te vann pa lontan nan zòn ou an pou sa konnen pri yo byen.</p><p data-block-key="1fi04">Depi ou fin gen yon ide de konbyen lajan machin ou an koute, ou ka deside si w ap fè yon echanj oswa si w ap vann li oumenm. Si ou fè echanj machin nan kay yon vandè otomobil, oumenm ak vandè a ap deside ki valè nou dwe detèmine pou sa konnen pri pwochen otomobil la. Si ou vann machin nan ou poukont ou, ou ka itilize lajan lavant la kòm peman avans.</p><h2 data-block-key="cpj5o">Si machin ou pral vann nan gen yon prè otomobil aktif sou li, fòk ou panse desizyon an ak anpil swen</h2><p data-block-key="735dn">Konsidere ak anpil swen si ou dwe pran yon lòt kredi pou ajoute sou dèt ou te deja genyen an. Men kèk analiz ak etap:</p><ul><li data-block-key="bojes">Pran <b>kantite ranbousman</b> an, ki se kantite lajan ou bezwen pou peye prè a, nan men pretè ou gen kounye a avan ou ale nan biznis k ap vann machin nan.</li><li data-block-key="f3mj6">Deside si ou pral ranbouse prè ou genyen kounye a, tann jiskaske ou fin peye prè ansyen machin ou an anvan ou prete pou yon lòt machin, oswa mete kantite ou dwe toujou a sou machin ou an nan nouvo prè otomobil la.</li><li data-block-key="a6l47">Si ou dwe plis sou machin ou an ke valè li — ke yo rele <b>alanvè</b> — lè sa ou gen yon <b>valè negatif</b>. Si ou envesti balans prè machin ou gen deja a nan nouvo prè otomobil la, sa ka fè nouvo prè otomobil la pi chè anpil. Pri total prè a ap pi wo paske ou pral prete plis pase pri nouvo machin nan.</li><li data-block-key="6t4u8">Apre ou fin etidye pri echanj la, si kantite ou dwe sou chanjman an pi piti ke valè reyèl la, asire pandan nenpòt negosyasyon ou konsidere si ou va jwenn yon bon valè pou echanj machin lan epi si w ap ka ranbouse ansyen prè otomobil la.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="m8tu6">Èske ou toujou dwe sou echanj ou an?</h3><p data-block-key="9g3b9">Si ou panse reenvesti balans ansyen prè a nan nouvo a, asire ou konprann kijan sa pral afekte pri total nouvo prè ou an. Pran san ou pou gade pri total prè a ansanm ak tout kantite yo prete w la, to pousanj lane a (APR), to denterè a, dire prè a (nan kè mwa), epi peman chak mwa– anvan ou asepte nenpòt bagay. Si ou pa pase lajan ou dwe sou ansyen machin ou sou nouvo prè a, epi ou toujou gen premye machin nan pandan ke ou achte yon nouvo, w ap gen de (2) prè ak de (2) peman pou fè chak mwa. Lòt kote, ou ka bezwen konsidere si sa gen sans pou kontinye tranzaksyon an epi achtè yon nouvo machin pandan ou dwe toujou sou premye machin ou vle chanje a. Pou jwenn plis enfomasyon ale nan <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Panse sou opsyon adisyonèl yo anvan</h3><p data-block-key="3tk6a">Lè ou ale kote dilè machin nan, y ap ofri ou pwodwi ak sèvis adisyonèl pou machin nan oswa pou prè a. Se yon bon lide pou panse sou sèvis ekstra sa yo depi kounye a, konsa ou p ap gen twòp preyokipasyon kay dilè a, epi w ap gen repons tou pare lè yo poze ou kesyon sou sèvis ekstra yo. Sèvis ekstra yo gen anjeneral:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>Kontra sèvis oswa pwolonjman garanti</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>Asirans Garati Pwoteksyon Otomobil (GAP)</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>Asirans kredi</b></a></li><li data-block-key="e4flt"><b>Karakteristik adisyonèl machin nan</b>, tankou sistèm alam, vit tente, pwoteksyon kawoutchou ak wou, ak lòt pwodwi</li></ul><p data-block-key="bu6rh">Pwodwi ak sèvis sa yo, ke ou ka finanse, se si ou vle. Si ou achte yo, pri a negosyab. Si ou panse ou vle achte pwodwi oswa sèvis sa yo, chache fè konparezon. Pa egzanp, konpayi asirans otomobil ou an ka ofri asirans GAP, asiranks kredi, oswa lòt chwa. Si ou finanse sèvis opsyonèl yo nan prè ou pran an, kantite ou prete ak sa ou gen pou peye a ap ogmante.</p><p data-block-key="61i2c">Kounye a ke ou fè devwa ou, ou prè pou pase lòt etap la, ki se chache konpare prè otomobil ou an. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">Itilize papye prè oto a nan consumerfinance.gov pou swiv tras tèm prè yo epi konpare opsyon.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> Ale ak fèy kalkil la nan bank la, kredi inyon, lòt pretè, ak dilè a pou ou sa konpare opsyon kredi epi deside sa ki pi nan avantaj ou.</p><h2 data-block-key="82bj6">Chache alantou prè otomobil ou</h2><p data-block-key="dqthp">Kounye a ou pare pou chache alantou prè otomobil ou an. Anvan ou ale kay dilè a, reyini tout enfòmasyon pèsonèl ou epi panse jwenn apwobasyon prè a davans.</p><p data-block-key="fibri">Chache alantou bonè ap fè w pare pou negosyasyon prè otomobil ou, epi sa ap fè pwosesis la mwens estresan.</p><h3 data-block-key="f6jf9">Reyini enfòmasyon pèsonèl ou</h3><p data-block-key="9jmdf">Lè ou prale labank, kredi inyon, oswa kote vandè machin nan, asire ou gen tout enfòmasyon ke ou bezwen. Pretè yo jeneralman mande enfòmasyon sa yo nan yon aplikasyon pou prè:</p><ul><li data-block-key="74aut">Non</li><li data-block-key="2vgar">Nimewo Sekirite Sosyal oswa ITIN</li><li data-block-key="7uajc">Dat ou fèt</li><li data-block-key="cjcb3">Adrès aktyèl ak adrès anvan yo epi konbyen tan ou te rete nan kay la</li><li data-block-key="99t82">Kote w ap travay, travay anvan yo epi konbyen tan ou fè nan travay yo</li><li data-block-key="dp7sm">Okipasyon ou</li><li data-block-key="bd3cl">Sous revni ou yo</li><li data-block-key="1187a">Revni total avan taks</li><li data-block-key="f1g4c">Enfòmasyon finans ou de kont kredi aktyèl, ansanm ak lòt dèt</li></ul><h3 data-block-key="7gm0l">Jwenn pre-apwobasyon pou yon prè</h3><p data-block-key="7cvd1">Lè ou jwenn pre-apwobasyon pou prè oswa kalifye pou yon kantite maksimòm prè ak to denterè nan bank, kredi inyon, oswa lòt pretè, sa se yon bon kote pou kòmanse. Si ou pote yon estimasyon prè de yon pretè bay dilè a, ou dwe nan yon pozisyon gwo negosyan pou ta jwenn yon pi bon afè, swa ou rete ak pri ou te pote a oswa ou deside asepte òf finansman dilè a.</p><p data-block-key="1ckbs">Pre-apwobasyon ka ede ou tou rete nan limit bidjè ou epi ede ou konpare to denterè yo san presyon tan ou ka santi yon fwa ke ou kaydilè a. Apresa kay dilè a, ou ka konsantre ou plis sou pri aktyèl machin nan ak pri echanj la paske w ap deja konnen tout bagay ke ou bezwen sou kondisyon prè a. W ap toujou gen chwa pou negosye yon prè ki pi bon kay dilè a epi pa itilize pre-apwobasyon.</p><p data-block-key="23u7h">Si aplikasyon ou resevwa pre-apwobasyon, pretè a ap ba ou dokiman pou pote bay dilè a. Yon fwa ke ou pare, dilè a ap fè dènye aranjman yo ak pretè ou an.</p><h3 data-block-key="9e9g">Konprann kijan chache alantou yon prè afekte nòt kredi ou</h3><p data-block-key="ed00">Chache pi bon zafè nan prè otomobil jeneralman gen yon tikras oswa ankenn enpak sou nòt kredi ou(yo). Benefis rechèch la pi enpòtan lontan pase nenpòt enpak sou kredi ou. Nan kèk ka, si ou aplike pou plizyè prè pandan yon peryòd tan ki long, sa ka bese nòt kredi ou. Toudepan ki modèl nòt kredi ki itilize, jeneralman nènpòt kesyon oswa ankèt pretè yo sou nòt kredi ou ki fèt nan yon espas tan ki soti 14 pou rive 45 jou ap konte tankou yon sèl ankèt. Sa vle di ke chache yon prè otomobil pandan peryòd tan sa ap konte tankou ou te aplike pou yon sèl prè. Ou ka redwi nenpòt enpak negatif sou nòt kredi ou si ou fè tout envestigasyon to denterè yo nan yon peryòd tan ki kout.</p><h3 data-block-key="ff4qh">Konnen dwa ou</h3><p data-block-key="4epq2">Yon pretè pa ka dekouraje ou oswa refize aplikasyon kredi ou, oswa ofri ou pri diferan oswa lòt tèm ak kondisyon de prè sou baz ras ou, koulè, relijyon, nasyonalite, sèks, eta sivil, laj, poutèt ou resevwa revni asistans piblik, oswa egzèsis bòn fwa nenpòt dwa ki nan Lwa Pwoteksyon Konsomatè Kredi a.</p><p data-block-key="55jgs">Ou ka depoze yon plent sou entènèt nan Komisyon Komès Federal la (FTC) nan <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> oswa nan Biwo Pwoteksyon Finans Konsomatè (CFPB) nan <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> oubyen rele gratis nan 1-855-411-CFPB (2372).</p>
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\ No newline at end of file
diff --git a/www.consumerfinance.gov/language/index.html b/www.consumerfinance.gov/language/index.html
new file mode 100644
index 000000000000..63a0a15508f2
--- /dev/null
+++ b/www.consumerfinance.gov/language/index.html
@@ -0,0 +1,1718 @@
+<!DOCTYPE html>
+<html lang="en" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
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+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>Helping multilingual communities and newcomers | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/sublanding-page/index.html">
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+          content="The Bureau provides information in multiple languages to help those with limited English ability or unfamiliarity with the U.S. financial system understand common financial products and transactions.">
+    <link rel="canonical" href="https://www.consumerfinance.gov/language/">
+    <meta property="og:title" content="Helping multilingual communities and newcomers | Consumer Financial Protection Bureau">
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+    <meta property="fb:app_id" content="210516218981921">
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+    <link rel="preload"
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+                    wrapper__match-content">
+<div class="a-tagline"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
+      <span class="u-nowrap">United States government</span>
+   </div>
+</div>
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
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+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
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+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
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+                    </li>
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+                            Tagalog
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+            </div>
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+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
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+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
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+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
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+            <span class="u-hide-on-mobile">Search</span>
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+              action="https://search.consumerfinance.gov/search"
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+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
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+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Search</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
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+               </div>
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+<nav class="o-mega-menu
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+<div class="o-mega-menu_content o-mega-menu_content-1"
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+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
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+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
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+<div aria-level="2" role="heading">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Notices and Opportunities to Comment
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
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+       >
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+       >
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        News
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+    >
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+       >
+        Press Releases
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Speeches &amp; Op-eds
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
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+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
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+    >
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+       >
+        Consumer Advisories
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+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
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+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
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+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+<div class="content_wrapper">
+    <div class="content_main ">
+        <section>
+   <div class="block block__flush-top">
+<h1>Helping multilingual communities and newcomers</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="k5oq0">In the United States, financial products and services are generally described in English. For those who primarily speak another language, it can be challenging to understand and use these products and services.</p>
+    </div>
+   </div>
+            <div class="block">
+<section class="o-featured-content-module
+                ">
+    <div class="o-featured-content-module_text">
+        <h2 class="h3">Sending money abroad</h2>
+        <p>People have federal rights and protections that apply when using money transfer services.</p>
+        <ul class="m-list m-list__links">
+                <li class="m-list_item">
+                    <a class="m-list_link"
+                       href="/consumer-tools/sending-money/"
+                       >Know your rights</a>
+                </li>
+        </ul>
+    </div>
+        <div class="o-featured-content-module_visual">
+            <img class="o-featured-content-module_img"
+                 src="https://files.consumerfinance.gov/f/images/cfpb_sending-money-abroad_featured-content-thum.original_LPwPPVJ.png"
+                 alt="">
+        </div>
+</section>
+            </div>
+   <div class="block block__flush-top">
+    <p data-block-key="cvbpe">Millions of people in the United States speak languages other than English. The most widely spoken languages in the United States other than English include Spanish, Chinese, Haitian Créole, Tagalog, Korean, Vietnamese, Russian, and Arabic.</p><p data-block-key="e4fqh">Limited English ability and not being familiar with the U.S. financial system can make it hard to navigate the financial marketplace. To help people understand common financial products and transactions, we provide information in multiple languages.</p><p data-block-key="fhdf1">Help by phone is available in more than 180 languages when you call <a href="tel:(855) 411-2372">(855) 411-2372</a>.</p>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="3ywt6"></p><hr/><p data-block-key="2295c"></p><h2 data-block-key="fi9ii">Resources for the people you serve</h2><p data-block-key="411v2">Find CFPB materials that can help your clients understand financial products and services, see answers to common questions, and take action.</p><h3 data-block-key="22k9g">Help during COVID-19</h3><p data-block-key="chueh">People may be struggling to make ends meet during the pandemic. They may be facing foreclosure or eviction if the pandemic affected their income or living situation. Find tips and help in multiple languages.</p><p data-block-key="cgch8"><a href="https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/housing-insecurity-media-toolkit/">Blogs, e-mails, videos, handouts, and posts you can share</a> (multiple languages)</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" id="materials-you-can-share" >
+<h2 id="materials-you-can-share">Materials you can share</h2>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="for-children-and-families">For children and families</h3>
+        </div><div class="m-info-unit_content">
+        <ul><li data-block-key="1w2hw">Money as You Grow, for parents and caregivers [<a href="https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/">English</a> | <a href="https://www.consumerfinance.gov/es/el-dinero-mientras-creces/">Español</a>]</li><li data-block-key="d54sm">Money as You Grow Bookshelf, for parents of children ages 4 – 10 [<a href="https://www.consumerfinance.gov/consumer-tools/money-as-you-grow/bookshelf/">English</a> | <a href="https://www.consumerfinance.gov/es/el-dinero-mientras-creces/coleccion/">Español</a>]</li><li data-block-key="r5du">K-12 classroom and group activities [<a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/">English</a> | <a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/teach/activities/?q=Spanish">Español</a>]</li></ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="for-older-americans">For older Americans</h3>
+        </div><div class="m-info-unit_content">
+        <ul><li data-block-key="1w2hw">Money Smart for Older Adults, links to Resources Guide, Instructor Guide, and handouts [<a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">English, Español</a>]</li><li data-block-key="38qub">Placemats, for use in meal programs, print or order copies [<a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/resources-for-older-adults/financial-education-placemats/">English, Español</a>]</li><li data-block-key="cfbmh">Before you claim Social Security, online calculator [<a href="https://www.consumerfinance.gov/consumer-tools/retirement/before-you-claim/">English</a> | <a href="https://www.consumerfinance.gov/consumer-tools/retirement/before-you-claim/es/">Español</a>]</li><li data-block-key="ae9ks">Reverse mortgages: A discussion guide [<a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_reverse-mortgage-discussion-guide.pdf"><span class="a-link_text">English</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_reverse_mortgage_booklet_es.pdf"><span class="a-link_text">Español</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>]</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="for-economically-vulnerable-people">For economically vulnerable people</h3>
+        </div><div class="m-info-unit_content">
+        <ul><li data-block-key="1w2hw">Your Money, Your Goals kit, booklets, and handouts (<a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/">English</a>, <a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/your-money-your-goals/toolkit/">Español, 中文</a>)</li><li data-block-key="2b0q3">Credit discrimination and the Equal Credit Opportunity Act (ECOA) (<a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_2021-06.pdf"><span class="a-link_text">English</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_es_2021-06.pdf"><span class="a-link_text">Español</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_zh-han_2021-08.pdf"><span class="a-link_text">中文</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_vi_2021-08.pdf"><span class="a-link_text">Tiếng Việt</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_ko_2021-08.pdf"><span class="a-link_text">한국어</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_tl_2021-08.pdf"><span class="a-link_text">Tagalog</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> | <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_helping-consumer-spot-credit-discrimination_handout_ar_2021-08.pdf"><span class="a-link_text">اَلْعَرَبِيَّةُ</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> )</li></ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-2">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="for-people-making-major-decisions">For people making major decisions</h3>
+        </div><div class="m-info-unit_content">
+        <ul><li data-block-key="1w2hw">Glossaries of terms found in financial documents (<a href="https://www.consumerfinance.gov/consumer-tools/educator-tools/adult-financial-education/tools-and-resources/#translated-financial-terms">Español, 中文,Tiếng Việt, 한국어, Tagalog</a>)</li></ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block block__padded-top block__border-top">
+<div class="o-info-unit-group" id="find-the-resources-you-want-in-the-languages-you-need" >
+<h2 id="find-the-resources-you-want-in-the-languages-you-need">Find the resources you want, in the languages you need</h2>
+    <p data-block-key="i8tey">For the people you serve who have proficiency in languages other than English, we offer information that they can read and listen to, in their preferred languages.</p>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="consumer-resources-in-spanish">Consumer resources in Spanish</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="okpav">Find Spanish-language guides to financial products, answers to common questions, information on how to submit a complaint about consumer financial products and services, and more.</p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="https://www.consumerfinance.gov/es/">Visit CFPB en español</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="financial-well-being-scale-in-spanish">Financial well-being scale in Spanish</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="xn9y7">Answer ten questions to measure your current financial well-being and see steps you can take to improve it.</p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="https://www.consumerfinance.gov/consumer-tools/financial-well-being/es/">Take the financial well-being questionnaire en español</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="housing-disclosure-documents-in-spanish">Housing disclosure documents in Spanish</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="xn9y7">Whether you’re just thinking about buying a home or about to close, we help you take control of the process.</p><p data-block-key="78bkn"></p><p data-block-key="c8c1f"></p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit_es.pdf"><span class="a-link_text">Download Your Home Loan Toolkit en español</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>
+                </li>
+                <li class="m-list_item"><a class="m-list_link a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet-es.pdf"><span class="a-link_text">Download the Consumer Handbook on Adjustable-Rate Mortgages en español</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>
+                </li>
+                <li class="m-list_item"><a class="m-list_link"
+                            href="https://www.consumerfinance.gov/about-us/blog/new-rule-ensures-mortgage-servicers-provide-options-potentially-vulnerable-borrowers-exiting-forbearance/">Read our blog on exiting forbearance, including Spanish translations of required disclosures</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="shining-a-light-on-small-business-lending-in-spanish">Shining a light on small business lending in Spanish</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="xn9y7">See information and resources on small business lending. Share your experiences with getting a small business loan.</p><p data-block-key="65lo1"></p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="https://www.consumerfinance.gov/es/quienes-somos/prestamos-pequenos-negocios/">Read about our work en español</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="spanish-english-translations-notices-after-you-applied-for-credit">Spanish-English translations: Notices after you applied for credit</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="6htyx">Find translated versions of notices to help you understand the information you receive from your lender after you apply for credit.</p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/notices-after-you-applied-for-credit/">See translated notices</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <div class="m-info-unit_heading-text">
+<h3 id="spanish-english-translations-prepaid-card-disclosures">Spanish-English translations: Prepaid card disclosures</h3>
+        </div><div class="m-info-unit_content">
+        <p data-block-key="jo4gr">Find translated versions of disclosures about fees and services, to use as you compare prepaid cards.</p>
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/es/herramientas-del-consumidor/tarjetas-prepagadas/entienda-las-tarifas/">See translated disclosures</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-info-unit-group" >
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/zh/">
+<div class="m-info-unit_heading-text">
+<h3 id="chinese">Chinese | 中文</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/zh/">Visit CFPB in Chinese</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/vi/">
+<div class="m-info-unit_heading-text">
+<h3 id="vietnamese-tieng-viet">Vietnamese | Tiếng Việt</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/vi/">Visit CFPB in Vietnamese</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/ko/">
+<div class="m-info-unit_heading-text">
+<h3 id="korean">Korean | 한국어</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/ko/">Visit CFPB in Korean</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/tl/">
+<div class="m-info-unit_heading-text">
+<h3 id="filipino-tagalog">Filipino | Tagalog</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/tl/">Visit CFPB in Tagalog</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/ru/">
+<div class="m-info-unit_heading-text">
+<h3 id="russian-p">Russian | Pусский</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/ru/">Visit CFPB in Russian</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/ar/">
+<div class="m-info-unit_heading-text">
+<h3 id="arabic">Arabic | العربية</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/ar/">Visit CFPB in Arabic</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+    </div>
+    <div class="content-l">
+        <div class="content-l_col content-l_col-1-3">
+<div class="m-info-unit">
+        <a class="m-info-unit_heading-link" href="/language/ht/">
+<div class="m-info-unit_heading-text">
+<h3 id="haitian-creole-kreyol-ayisyen">Haitian Creole | Kreyòl Ayisyen</h3>
+</div>
+</a><div class="m-info-unit_content">
+            <ul class="m-list m-list__links u-mt15">
+                <li class="m-list_item"><a class="m-list_link"
+                            href="/language/ht/">Visit CFPB in Haitian Creole</a>
+                </li>
+            </ul>
+    </div>
+</div>
+        </div>
+    </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Stay informed
+        </h2>
+    </header>
+    <p>
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diff --git a/www.consumerfinance.gov/language/ko/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/ko/act-fast-if-you-cant-pay-your-credit-cards/index.html
new file mode 100644
index 000000000000..9093bc54dba7
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -0,0 +1,1458 @@
+<!DOCTYPE html>
+<html lang="ko" class="no-js">
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+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>신용카드 대금을 결제할 수 없다면 빠르게 대처하세요 | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/learn-page/index.html">
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+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Resources for Yourself
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+        Resources for Helping Others
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+       href="/coronavirus/"
+       >
+        Coronavirus Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+       >
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+       >
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+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
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+       >
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+                aria-label="News"
+                >
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+    >
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+       >
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+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
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+       >
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+            </ul>
+        </div>
+    </div>
+        </div>
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+            </ul>
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+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
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+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Act fast if you can’t pay your credit cards (in Korean)</div>
+<h1>신용카드 대금을 결제할 수 없다면 빠르게 대처하세요</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">신용카드의 최소 결제액을 납부할 수 없다고 생각되시면 바로 해당 신용카드 회사에 전화하세요.</p>
+    </div>
+    <p data-block-key="6l3co">많은 신용카드 회사들은 재정적 어려움을 겪고 있는 경우, 도움을 드릴 수 있습니다. 결제 대금이 연체되지 않아도 도움을 요청할 수 있습니다!</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">문제를 무시하지 마세요</h2><p data-block-key="9iq54">다음과 같은 더 큰 문제들이 발생할 수 있습니다.</p><ul><li data-block-key="td3h">더 높은 이자율</li><li data-block-key="6uqfk">더 높은 최소 결제액</li><li data-block-key="8s5q7">결제 권한 상실</li><li data-block-key="96de0">연체료</li><li data-block-key="5u4sk">신용점수 손상</li></ul><h2 data-block-key="e0v5p">해야 할 일</h2><h3 data-block-key="7h7ck">1. 수입과 지출을 합산하세요.</h3><p data-block-key="i15d">비용을 줄일 수 있는 방법을 찾아야 합니다. 최소 결제액을 납부할 수 없다면 얼마를 납부할 수 있는지 결정하시기 바랍니다.</p><h3 data-block-key="f1muv">2. 신용카드 회사에 전화하세요.</h3><p data-block-key="cr4et">다음 사항을 명확히 설명해야 합니다.</p><ul><li data-block-key="5g8u4">최소 결제액을 납부할 수 없는 이유</li><li data-block-key="43doo">납부할 수 있는 금액</li><li data-block-key="t6e4">정상적으로 납부를 다시 시작할 수 있는 시기</li></ul><h3 data-block-key="9per">3. 신용 상담을 고려하세요.</h3><p data-block-key="13g3n">더 많은 도움이 필요하시다면 비영리 신용 상담 기관을 통해 돈을 관리하는 방법을 배울 수 있습니다.</p><p data-block-key="90ata">신용 상담을 신청하기 전, 상담료가 있는지 묻고, 상담료는 얼마인지 그리고 어떤 서비스가 제공되는지 문의하시기 바랍니다. 신용 상담사가 시간을 내어 재정 상태를 파악하고 상황을 개선하기 위한 방법에 대해 도움을 줄 수 있는지도 확인하시기 바랍니다.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="53x1t">쉬운 해결책은 없습니다</h2><p data-block-key="1jl32">일부 영리 목적의 채무 구제 회사들은 채무 상환을 “훨씬 더 저렴하게” 할 수 있다고 합니다. 그러나 대부분 이러한 약속은 지켜지지 않습니다. 다음과 같은 채무 구제 기관들을 유의하시기 바랍니다.</p><ul><li data-block-key="11j9f">채무를 해결하기 전에 수수료를 부과하는 경우</li><li data-block-key="3ap6k">채무를 없애 주겠다고 보장하는 경우</li><li data-block-key="54a8a">대출업체 또는 신용카드 회사와 연락을 중단하도록 요구하는 경우</li><li data-block-key="eckop">신용카드 또는 대출에 대한 결제를 중단하도록 요구하는 경우</li></ul>
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diff --git a/www.consumerfinance.gov/language/ko/auto-loan-key-terms/index.html b/www.consumerfinance.gov/language/ko/auto-loan-key-terms/index.html
new file mode 100644
index 000000000000..fbb9e54a1c25
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/auto-loan-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="ko" class="no-js">
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+                   <div class="a-text-input__full input-contains-label">
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+        Submit a Complaint
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+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
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+                aria-label="Rules & Policy"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+</li>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
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+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/fraud-key-terms/>
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto loan key terms (in Korean)</div>
+<h1>자동차 대출 주요 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/auto-loans-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/auto-loans-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/auto-loans-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/auto-loan-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/auto-loans-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/auto-loan-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/auto-loan-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>현금 환산 가치 (ACV) (Actual Cash Value (ACV))</b></h2><p data-block-key="dcgmj">현금 환산 가치(ACV)는 <a class="a-link a-link__icon" data-pretty-href="http://www.nadaguides.com/" href="/external-site/?ext_url=http%3A%2F%2Fwww.nadaguides.com%2F&amp;signature=lYL1SGwoHJxCI556edsQt00usLezbu7hyPYmIOevXH8"><span class="a-link_text">전국자동차딜러 협회(National Automobile Dealers Association)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 또는 <a class="a-link a-link__icon" data-pretty-href="https://www.kbb.com/" href="/external-site/?ext_url=https%3A%2F%2Fwww.kbb.com%2F&amp;signature=2bCu3ZInSoTikSQ9HXVUzPyoFPeX43MV2cnDGtMuwpo"><span class="a-link_text">켈리블루북(Kelley Blue Book)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 과 같이 널리 알려진 독립적인 출처에 따른 자동차의 가치입니다.</p><p data-block-key="7r3br"><a>(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="f1cr1"></p><h2 data-block-key="1bc9l"><b>할부 상환 (Amortization)</b></h2><p data-block-key="7ua0k">할부 상환은 자동차 대출을 점차적으로 갚아가는 과정을 말합니다. 할부 상환 대출에서는 각 월별 상환금이 일부는 대출금(<a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">원금</a>)에 적용되고 일부는 금융 수수료(이자)에 적용됩니다.</p><p data-block-key="eqaiv"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="c43i4"></p><h2 data-block-key="85tlc"><b>연이율(APR) (Annual Percentage Rate (APR))</b></h2><p data-block-key="fld51">연이율(APR)은 수수료를 포함하여 돈을 빌리기 위해 매년 내는 비용을 퍼센트로 표현한 것입니다. APR은 이자율 뿐만 아니라 대출을 받기 위해 지불해야 하는 수수료도 반영하기 때문에 돈을 빌리는 데 드는 비용을 보다 광범위하게 측정한 것입니다. APR이 높을수록 대출 기간 동안 더 많은 돈을 냅니다.</p><p data-block-key="128cs">자동차 대출에서 APR과 <a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">이자율</a>은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.<br/><br/></p><hr/><p data-block-key="9j0mc"></p><h2 data-block-key="4i1gq"><b>양수인 (Assignee)</b></h2><p data-block-key="9op90">양수인은 자동차 대출 채권을 매입하는 사람 또는 회사입니다. 예를 들어, 소비자에게 신용을 제공하는 자동차 딜러가 이 대출 채권을 은행에 판매하여 은행이 양수인이 될 수 있습니다. 채무자는 대출 채권을 매입한 이에게 돈을 갚아야 합니다. 양수인은 해당 자동차에 대해 유치권을 보유하며 채무자가 채무를 상환하지 않으면 자동차를 압류할 수 있습니다.<br/><br/></p><hr/><p data-block-key="3vch6"></p><h2 data-block-key="duitl"><b>기본 가격 (Base price)</b></h2><p data-block-key="atqop">기본 가격은 옵션이 없는 자동차의 가격입니다.</p><p data-block-key="aqlq1"><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="1c8pk"></p><h2 data-block-key="10eo6"><b>구매 이자율 (Buy rate)</b></h2><p data-block-key="4qet5">구매 이자율은 소비자가 <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">딜러 파이낸싱</a>을 신청하였을 때 잠재적 대출업체가 딜러에게 견적을 내주는 이자율입니다.</p><p data-block-key="8fbvt"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7shaa"></p><h2 data-block-key="6pim5"><b>연대 보증인 (Co-signer)</b></h2><p data-block-key="5ta6d">연대 보증인은 부모나 가까운 가족 구성원 또는 친구와 같이 채무자가 대출을 갚지 않으면 대신 갚겠다고 담보를 서는 사람입니다. 이는 채무자와 대출업체 양측에 이득이 될 수 있습니다. 연대 보증인은 대출금을 상환할 전적인 책임을 집니다. 대출업체는 채무자의 대출에 연대 보증인이 있으면 대출 상환이 이루어질 것이라는 확신을 추가로 가질 수 있습니다. 채무자가 대출을 상환하지 않는 경우, 연대 보증인은 자동차를 한 번도 운전하지 않았어도 상환해야 할 책임을 집니다. 대출에 연대 보증인이 되어 달라는 요청을 받으면 <a class="" data-pretty-href="cfpb.gov/askcfpb/813" href="/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/">개인 재정에 어떠한 영향을 미치는지</a> 꼭 고려해야 합니다.<br/><br/></p><hr/><p data-block-key="ap2r7"></p><h2 data-block-key="ag48n"><b>신용보험 (Credit insurance)</b></h2><p data-block-key="flhpt">신용보험은 선택형 보험으로 채무자의 사망 또는 장애와 같이 특정한 상황에서 대출업체에게 자동차 대출 상환금을 지급합니다. <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">신용보험</a>을 고려하는 중이시라면 제공되는 약관의 조건을 이해하고 있는지 확인해야 합니다. 보험이 필요하다고 결정한 경우, 신용보험을 구매하여 자동차 대출에 추가하는 것보다 해당 보험과 같은 보장성을 더 저렴하게 확보할 수 있는 방법을 찾아봐야 합니다. 예를 들어 생명보험은 신용생명보험 보다 저렴하고 가족들은 자동차 대출을 포함하여 다른 비용도 상환할 수 있습니다.<br/><br/></p><hr/><p data-block-key="d3i3p"></p><h2 data-block-key="cuugm"><b>채무 면제 또는 유예 (Debt cancellation or suspension products)</b></h2><p data-block-key="8th7i">일부 자동차 딜러 및 은행과 신용 조합은 “채무 면제” 또는 “채무 유예” 상품 또는 보험을 다양한 명칭으로 제공합니다. 이러한 상품들은 기능 차원에서는 신용보험과 유사하지만 수수료 및 기타 특성은 다를 수 있습니다.</p><p data-block-key="6fn6h"><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="fpdnc"></p><h2 data-block-key="5obh9"><b>결손 잔액 (Deficiency balance)</b></h2><p data-block-key="cpldg">채무자의 자동차가 압류 후 매매되는 경우, 대출에 남은 잔액(압류 수수료 추가)과 판매액의 차액을 내야 할 수 있습니다. 이는 “결손 잔액”이라 합니다.<br/><br/></p><hr/><p data-block-key="bm8tu"></p><h2 data-block-key="77ojb"><b>계약금 (Down payment)</b></h2><p data-block-key="b8ina">계약금은 자동차의 총비용에 대한 초기 선 지급금입니다. 계약금은 현금, 보상판매 가치 또는 둘 다일 수 있습니다. 계약금을 더 낼수록 빌려야 하는 금액이 줄어듭니다. 더 많은 계약금은 매월 내야 하는 상환금과 총 대출 비용을 줄 일 수 있습니다.<br/><br/></p><hr/><p data-block-key="f65la"></p><h2 data-block-key="35k41"><b>보증</b> <b>연장 또는 자동차 서비스 계약 (Extended warranty or vehicle service contract)</b></h2><p data-block-key="80hrb">보증 연장 또는 자동차 서비스 계약은 제조사 보증에 추가로 또는 제조사 보증이 종료된 후, 일부 유형의 수리 비용을 보장합니다.</p><p data-block-key="9hfnv"><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7s0md"></p><h2 data-block-key="a34p"><b>금융 및 보험 부서 (Finance and insurance department)</b></h2><p data-block-key="8k8me">대리점에서 자동차를 구매하는 경우, 영업 사원이 금융 및 보험 부서(F&I) 또는 영업소 직원을 소개할 수 있습니다. 이는 대리점의 한 부분으로 고객이 대리점에서 자동차 구매에 동의한 후 대출 및 선택형 부가 기능을 판매합니다.</p><p data-block-key="drga8"><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="9ved1"></p><h2 data-block-key="d3nqc"><b>고정금리 대출 (Fixed-rate financing)</b></h2><p data-block-key="8hl7h">고정금리 대출은 대출 기간 동안 이자율이 바뀌지 않는다는 뜻입니다. 고정금리를 사용하면 매월 납부하는 상환액과 대출 기간 동안 납부하게 될 총 금액을 알 수 있습니다. 대출 상환금이 변하지 않기를 원하는 경우 고정금리 대출을 선호하실 수 있습니다. 고정금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">변동금리</a> 대출이 있습니다.<br/><br/></p><hr/><p data-block-key="a12tp"></p><h2 data-block-key="5i8ei"><b>강제 부과 보험 (Force-placed insurance)</b></h2><p data-block-key="4ps1q">자동차를 구매하기 위해 대출을 받으려면, 자동차 자체에 대한 보험이 있어야 합니다. 채무자가 보험을 들지 않았거나 보험이 만료된 경우, 계약에 따라 대출업체는 자동차를 보장하기 위해 보험에 가입할 수 있습니다. 이 보험을 “강제 부과 보험”이라 부릅니다.</p><p data-block-key="dnl1g"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7sfp8"></p><h2 data-block-key="5mvff"><b>자동차 보호 보장(GAP) 보험 (Guaranteed Auto Protection (GAP) insurance)</b></h2><p data-block-key="adhqd">GAP 보험은 자동차 대출에 대한 채무자의 채무 금액과 차량이 도난, 손상 또는 전손 된 경우 보험이 지불하는 금액 간의 차액(또는 격차)을 보상합니다. 이 보험에 가입할 필요는 없지만 가입을 원한다면 여러 곳을 알아보는 것이 좋습니다. 대출업체는 이 상품에 대해 다양한 가격을 책정할 수 있습니다.<br/><br/></p><hr/><p data-block-key="819co"></p><h2 data-block-key="eveb7"><b>이자율 (Interest rate)</b></h2><p data-block-key="9eg46">자동차 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이자율은 대출 수수료를 포함하지 않습니다.</p><p data-block-key="7p4rj">자동차 대출에서 APR 과 이자율은 돈을 빌리는 데 드는 비용의 가장 중요한 두 가지의 척도입니다. 연방 공정대출법(TILA)에 따라 대출업체는 소비자가 대출에 대한 의무를 지기 전, APR을 포함하여 중요한 조건에 대해 특정한 공시를 해야 합니다. 모든 대출업체가 APR을 제공해야 하므로, 자동차 대출을 비교하기 위해 APR을 사용할 수 있습니다. 단, APR을 이자율이 아닌 APR과 비교하고 있는지 주의를 기울여야 합니다.<br/><br/></p><hr/><p data-block-key="5ji54"></p><h2 data-block-key="5qqan"><b>대출 기간 (Loan term or duration)</b></h2><p data-block-key="7otih">이는 자동차 대출 기간으로 일반적으로 개월 수로 표시됩니다. 대출 기간이 짧을수록(더 적은 개월 수 동안 월 상환금을 납부하는) 총 대출 비용이 줄어듭니다. 더 긴 대출은 월 상환금을 줄일 수 있지만 대출 기간 동안 더 많은 이자를 지불해야 합니다. 또한 더 긴 대출은 자동차 가치보다 자동차에 더 많은 빚이 있는 역자산이 될 위험이 있습니다.<br/><br/></p><hr/><p data-block-key="a9u2e"></p><h2 data-block-key="9csij"><b>자산가치 대비 융자 금액 비율 (Loan-to-value ratio)</b></h2><p data-block-key="40f4e">자산가치 대비 융자 금액 비율(LTV)은 대출의 총 달러 가치를 차량의 실제 현금 가치(ACV)로 나눈 값입니다. 일반적으로 퍼센트로 표시됩니다. 계약금은 대출의 자산 가치 대비 융자 금액 비율을 줄여 줍니다.</p><p data-block-key="dp4cn"><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7d8rp"></p><h2 data-block-key="670ah"><b>강제 중재 (Mandatory binding arbitration)</b></h2><p data-block-key="89dt4">강제 중재 조항이 포함된 계약에 서명하는 것은 법원 대신 분쟁을 결정하는 중재인을 통해 계약에 대한 모든 분쟁을 해결하는 데 동의하는 것입니다. 또한, 결정에 항소하거나 집단 소송에 참여할 수 있는 능력과 같은 기타 권리를 포기하는 데 동의하는 것일 수도 있습니다.</p><p data-block-key="cnt2s"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="fvd95"></p><h2 data-block-key="pnrm"><b>제조사 인센티브 (Manufacturer incentives)</b></h2><p data-block-key="2s4d1">제조사 인센티브는 0% 융자 또는 현금 환급과 같이 신규 자동차에 대해 광고된 특가입니다. 대부분 특정 차종에 대해서만 제공됩니다.</p><p data-block-key="dqjtd"><a>(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="fbi3q"></p><h2 data-block-key="1ilds"><b>권장소비자가격(MSRP) (Manufacturer Suggested Retail Price (MSRP))</b></h2><p data-block-key="d5vbt">권장소비자가격(MSRP)은 자동차 제조사(제조업체)가 대리점에게 차량 판매 시 <b>권장</b>하는 가격입니다.</p><p data-block-key="5odt8"><a>(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="66lls"></p><h2 data-block-key="3dcdv"><b>역자산 (Negative equity)</b></h2><p data-block-key="7av6q">자동차 가치보다 현재 자동차 대출에 대한 빚이 더 많으면(“거꾸로 된” 상태라고 불림) 역자산입니다. 즉, 차량을 팔려고 하면 이미 빚진 금액을 받을 수 없습니다. 예를 들어, 자동차 대출에 1만 달러의 빚이 있고 현재 차량의 가치가 8천 달러라고 가정합니다. 이 경우에는 2천 달러의 역자산이 있다는 의미입니다. 차량을 보상판매하고 새 차량을 구입하기 위한 자동차 대출을 받으려면 이 역자산을 갚아야 합니다.<br/><br/></p><hr/><p data-block-key="f525c"></p><h2 data-block-key="eaeuo"><b>신용 조회가 없는 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출 (No credit check or "buy here, pay here" auto loan)</b></h2><p data-block-key="5t7q9">“신용 조회가 없는” 또는 “여기에서 구매하고 여기에서 납부”하는 자동차 대출은 일반적으로 신용이 없거나 신용이 좋지 않은 채무자에게 대리점이 “사내” 자동차 대출을 제공하는 것입니다.</p><p data-block-key="filnm"><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="5mgd1"></p><h2 data-block-key="cbv2v"><b>원금 (Principal)</b></h2><p data-block-key="de0b0">원금은 원래 갚기로 동의한 돈입니다.</p><p data-block-key="5uv4l">일반적으로 자동차 대출에 대한 모든 납부금은 지불해야 할 모든 수수료(예: 연체료)에 먼저 적용됩니다. 다음으로는 해당되는 경우 연체된 이자를 포함하여 지불해야 할 모든 <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">이자</a>에 납부금의 잔액이 적용됩니다. 그런 다음 나머지 납부금은 대출의 원금 잔액에 적용됩니다.<br/><br/></p><hr/><p data-block-key="8mn9r"></p><h2 data-block-key="4tfni"><b>위험 기반 가격 책정 (Risk-based pricing)</b></h2><p data-block-key="6ejur">위험 기반 가격 책정은 소비자가 대출금을 상환하지 못할 것으로 예상되는 위험을 기반으로 대출업체가 각 소비자들에게 다른 이자율 또는 다른 기타 대출 조건을 제공할 때 발생합니다.</p><p data-block-key="7sf2l"><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="b74c5"></p><h2 data-block-key="dv4v8"><b>총비용 (Total cost)</b></h2><p data-block-key="det74">이는 대출 기간 동안 원금, 이자 및 모든 계약금 또는 보상판매를 포함하여 자동차를 구입하기 위해 지불하는 모든 금액을 말합니다.<br/><br/></p><hr/><p data-block-key="5ijme"></p><h2 data-block-key="7adcm"><b>공정대출법 공시 (Truth in Lending disclosure)</b></h2><p data-block-key="c58rm">연방 공정대출법(줄여서 “TILA”)은 채무자가 법적으로 대출금을 상환해야 하는 법적 의무가 발생하기 전에 중요한 신용 조건에 대해 서면 공시를 받도록 규정하고 있습니다. <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">TILA 공시에 포함된 정보</a>와 공시를 언제 받고 검토해야 하는지 자세히 알아보시기 바랍니다.<br/><br/></p><hr/><p data-block-key="4pgpr"></p><h2 data-block-key="5ovut"><b>변동금리 대출 (Variable-rate financing)</b></h2><p data-block-key="edlsb">변동금리 대출은 우대 금리 또는 “지수”라고 하는 다른 금리에 따라 대출 금리가 변경될 수 있습니다. 변동금리 대출의 경우 지수 금리가 변함에 따라 대출 이자율이 달라지며, 이는 이자율이 오르거나 내릴 수 있음을 의미합니다. 이자율이 올라갈 수 있기 때문에 월 상환금도 올라갈 수 있습니다. 대출 기간이 길수록 금리가 인상될 수 있는 시간이 더 많기 때문에 변동금리 대출은 채무자에게 더 위험할 수 있습니다. 변동금리 대출은 대출의 한 종류입니다. 또 다른 대출의 종류로는 <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">고정금리 대출</a>이 있습니다.<br/><br/></p><hr/><p data-block-key="dc8va"></p><h2 data-block-key="7r2nu"><b>대출업체 단일 이익(VSI) 보험 (Vendor's Single Interest (VSI) insurance)</b></h2><p data-block-key="5u8sv">VSI 보험은 차량이 손상되거나 파손되었을 경우 대출업체를 보호하지만 소비자는 보호하지 않습니다.</p><p data-block-key="929v7"><b>현금 환산 가치(ACV)</b> <a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">기</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/ko/bank-accounts-key-terms/index.html
new file mode 100644
index 000000000000..e06b8929d1da
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
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+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+</div>
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+            <ul
+                aria-label="News"
+                >
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+    >
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+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Speeches &amp; Op-eds
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
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+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
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+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+</nav>
+        </div>
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+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/auto-loan-key-terms/>
+    자동차 대출 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    은행 계좌 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-card-key-terms/>
+    신용카드 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-reports-and-scores-key-terms/>
+    신용 보고서 및 점수 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/debt-collection-key-terms/>
+    채권추심 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/fraud-key-terms/>
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Bank accounts key terms (in Korean)</div>
+<h1>은행 계좌 주요 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/bank-accounts-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/bank-accounts-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/bank-accounts-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/bank-accounts-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/bank-accounts-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/bank-accounts-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/bank-accounts-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>자동결제시스템(ACH) (Automated Clearing House (ACH))</b></h2><p data-block-key="71icu">자동결제시스템(ACH) 승인은 대출업체가 소비자의 은행, 신용 조합 또는 선불 카드 계정에서 납기일에 납부금을 전자적으로 이체할 수 있도록 허용하는 결제 승인입니다. 이 승인은 취소할 수 있습니다.<br/><br/></p><hr/><p data-block-key="d62jn"></p><h2 data-block-key="en8nk"><b>자동납부 (Automatic debit payment)</b></h2><p data-block-key="905mb">자동납부는 해당 회사가 소비자의 은행 계좌에서 직접 납부금을 이체해 가도록 허용하는 것입니다. 이는 은행에서 제공하는 청구서 납부 기능과 다릅니다. 반복적인 청구서 납부는 소비자의 은행이나 신용 조합이 해당 회사로 납부금을 송금하도록 허용하는 것입니다.<br/><br/></p><hr/><p data-block-key="2f0gq"></p><h2 data-block-key="de6hv"><b>양도성예금증서(CD) (Certificate of deposit (CD))</b></h2><p data-block-key="2f7uj">양도성예금증서 또는 CD는 은행 또는 신용 조합이 제공하는 특별한 유형의 저축 계좌입니다. 벌금을 내지 않으려면 지정된 기간 동안 자금을 CD에 보유해야 합니다.</p><p data-block-key="9vp0j"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="45kd9"></p><h2 data-block-key="e8s0t"><b>양도성예금증서(CD) 연장 (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="eeech">CD 기간 종료 시 연장 또는 갱신을 할 수 있습니다.</p><p data-block-key="5lt63"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="6tjlq"></p><h2 data-block-key="c1o5i"><b>송금환수표 (Demand draft)</b></h2><p data-block-key="19udd">송금환수표는 본인 서명 없이 누군가가 당좌계좌에서 돈을 인출할 수 있도록 허용합니다.</p><p data-block-key="ai66v"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="9qe9a"></p><h2 data-block-key="3dr4i"><b>입금 보류 (Deposit hold)</b></h2><p data-block-key="9nai0">은행 또는 신용 조합에서 소비자가 수표로 예금하는 자금을 보류하는 시간을 “입금 보류” 또는 “수표 보류”라고 합니다. 일부 은행 또는 신용 조합은 법적으로 요구하는 기간보다 더 빨리 자금을 풀 수 있으며, 일부는 유료로 자금을 더 빨리 풀 수도 있습니다.<br/><br/></p><hr/><p data-block-key="68kb7"></p><h2 data-block-key="78gqi"><b>수탁자 (Fiduciary)</b></h2><p data-block-key="csc4s">수탁자란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 수탁자로 지명된 경우에는 법적으로 본인의 이득이 아니라 해당 돈과 재산의 소유주를 위해 돈과 재산을 관리하도록 요구됩니다.<br/><br/></p><hr/><p data-block-key="40gj5"></p><h2 data-block-key="5jdnl"><b>재산관리 후견인 (Guardian of property)</b></h2><p data-block-key="d44tg">재산관리 후견인은 법원에서 돈과 재산을 혼자서 관리할 수 없다고 판단한 사람의 돈과 재산을 관리하도록 법원이 지명하는 사람입니다.</p><p data-block-key="dmk6f"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="2urs2"></p><h2 data-block-key="3ovae"><b>개인 납세자 식별 번호(ITIN) (Individual taxpayer identification number (ITIN))</b></h2><p data-block-key="8hq35">ITIN은 국세청 (Internal Revenue Service) 에서 받는 식별 번호입니다. ITIN은 사회보장번호를 받을 수 없는 특정 비거주자 및 거주 외국인, 그리고 그의 배우자 및 부양가족에게만 제공됩니다.<br/><br/></p><hr/><p data-block-key="dj2p7"></p><h2 data-block-key="10qbb"><b>공동명의 계좌 (Joint account)</b></h2><p data-block-key="f5ir3">친구나 가족 구성원이 본인을 대신하여 수표를 작성하고 입금을 할 수 있도록 하고 싶다면 공동명의 계좌 개설을 고려해 보시면 됩니다. 일반적으로 공동명의 계좌에 이름이 등록되어 있는 모든 사람은 수표 작성, 돈 출금, 거래, 자금 이체 또는 계좌를 해지할 수 있습니다. 예금주 중 한 명이 채무가 있다면, 채권자가 공동명의 은행 계좌에서 돈을 추심하려고 할 수도 있습니다.<br/><br/></p><hr/><p data-block-key="5ftij"></p><h2 data-block-key="7q05r"><b>수시입출금식 저축성예금 (Money market account)</b></h2><p data-block-key="c1lkq">수시입출금식 저축성예금은 은행과 신용 조합이 제공하는 특별한 유형의 계좌입니다.</p><p data-block-key="a6dv3"><a class="" data-pretty-href="cfpb.gov/askcfpb/1007" href="/ask-cfpb/what-is-a-money-market-account-en-1007/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7b88h"></p><h2 data-block-key="dfo3s"><b>잔액부족(NSF) 수수료 (Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="30c2n">NSF 또는 잔액부족 수수료는 수표 또는 전자 승인이 계좌의 잔액부족으로 지급되지 않을 때 부과될 수 있습니다. 이는 흔히 “반환” 또는 “부도” 수표라 합니다.<br/><br/></p><hr/><p data-block-key="6ka6a"></p><h2 data-block-key="ervob"><b>초과인출 (Overdraft)</b></h2><p data-block-key="5u8fa">초과인출은 계좌에 거래를 위한 돈이 충분하지 않지만 은행이 거래를 위한 돈을 지급하는 경우에 일어납니다. 수표, ATM(현금 자동 입출금기) 거래, 직불카드 구매, 자동 청구서 납부 및 전자 또는 대면 출금에 의해 초과인출이 일어날 수 있습니다.</p><p data-block-key="bmpit">많은 은행과 신용 조합은 일반적으로 은행 또는 신용 조합이 거래에 대해 돈을 지급하고 소비자에게 초과인출 금액 및 수수료를 부과하는 초과인출 보호 프로그램을 제공합니다. 초과인출은 연동된 계좌, 신용카드 또는 한도대출에서 자금 이체를 통해 지불할 수도 있습니다.<br/><br/></p><hr/><p data-block-key="e82fh"></p><h2 data-block-key="fpa1l"><b>개인 한도대출 (Personal line of credit)</b></h2><p data-block-key="63jl4">개인 한도대출은 수시로 이용할 수 있는 대출입니다. 특별한 수표를 작성하거나 전화 또는 온라인으로 본인의 당좌계좌로 이체를 요청합니다.</p><p data-block-key="ft846">신용카드 계정과 같이 신용 한도가 있고, 매월 청구서를 받고, 최소 결제금을 납부하고, 미결제 잔액에 따라 이자를 내고, 계정을 이용할 때마다 수수료를 낼 수 있습니다.<br/><br/> 개인 한도대출은 본인의 주택에 대한 담보 대출을 통해 받는 주택 담보 신용 대출(HELOC)과는 다르게 담보가 없습니다. 개인 한도대출은 은행과 신용 조합에서 제공되며 대부분 동일한 기관에 당좌 계좌도 있어야 합니다.<br/><br/></p><hr/><p data-block-key="4b9r"></p><h2 data-block-key="brgt4"><b>위임장 (Power of attorney)</b></h2><p data-block-key="agium">위임장(POA)은 본인을 대신하여 다른 사람이 업무를 대행할 수 있도록 허용하는 법적 문서입니다. POA를 작성하는 것은 대리 의사 결정자를 지정하는 방법이며 변호사의 도움이 필요할 수 있지만 비교적 저렴합니다.</p><p data-block-key="5bet7">재정적 POA는 미래의 행위능력 상실, 예를 들어 치매, 외상성 뇌 손상 또는 정신 기능에 영향을 미치는 기타 장애로 인해 재정적 결정을 내릴 수 없는 상황에 대비하는 수단으로 사용할 수 있습니다. 사전 계획을 위해 사용될 경우, POA는 일반적으로 “지속적”입니다. 이는 작성자가 행위능력을 상실하더라도 효력이 지속된다는 뜻입니다. <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">위임장 (POA)</a> 에 대해 자세히 알아보려면 계속 읽어보시기 바랍니다.<br/><br/></p><hr/><p data-block-key="3rj48"></p><h2 data-block-key="3s1di"><b>대리 수령인 (Representative payee)</b></h2><p data-block-key="dmd7j">사회보장국(SSA)은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 대리 수령인을 지정합니다. 대리 수령인은 SSA에서 지급하는 혜택과 관련된 수표만 관리할 수 있습니다. 혜택을 받는 수혜자가 다른 돈이나 재산을 관리할 수 없는 경우, 대리 수령인이 다른 자금을 관리하기 위해서는 다른 출처로부터 법적 권한을 받아야 합니다. 예를 들어 대리 수령인은 법원에 의해 <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">재산관리 후견인</a> 으로 지정될 수 있습니다. 사회보장 혜택의 대리 수령인은 <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">수탁자</a> 가 됩니다.</p><p data-block-key="dinb9">대리 수령인에 대한 자세한 정보는 다른 사람의 돈 관리에 대한 본 <a href="/consumer-tools/managing-someone-elses-money/">가이드</a> 를 읽어보시기 바랍니다.<br/><br/></p><hr/><p data-block-key="5o9br"></p><h2 data-block-key="1tcq"><b>취소 가능한 생전신탁 (Revocable living trust)</b></h2><p data-block-key="b7jop">취소 가능한 생전신탁은 신탁에 보관된 다른 사람의 돈 또는 재산에 대해 본인이 결정을 내릴 수 있도록 권한을 부여하는 법적 문서입니다.</p><p data-block-key="cmuru"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="1jhkp"></p><h2 data-block-key="65l7m"><b>재향군인 수탁자 대리 수령인 (Social Security representative payee)</b></h2><p data-block-key="b11ja">대리 수령인은 사회보장연금 또는 생활보조금(SSI)을 관리하는 데 도움이 필요한 사람들을 위해 사회보장국(SSA)에서 지정합니다.</p><p data-block-key="dp3vr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="a59q8"></p><h2 data-block-key="fs9df"><b>재향군인 수탁자 (VA fiduciary)</b></h2><p data-block-key="9argm"><a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">수탁자</a> 란 다른 사람의 돈 또는 재산을 관리하는 사람입니다. 보훈부(VA)는 직접 자신의 자금을 관리할 수 없는 사람들을 위해 재향군인 혜택을 관리하도록 VA 수탁자를 지정합니다.</p><p data-block-key="708m5"><a>(영어로) 추가 정보 읽기</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/credit-card-key-terms/index.html b/www.consumerfinance.gov/language/ko/credit-card-key-terms/index.html
new file mode 100644
index 000000000000..7b02a74d0855
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/credit-card-key-terms/index.html
@@ -0,0 +1,1484 @@
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+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            섹션 탐색하기
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/auto-loan-key-terms/>
+    자동차 대출 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/bank-accounts-key-terms/>
+    은행 계좌 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    신용카드 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-reports-and-scores-key-terms/>
+    신용 보고서 및 점수 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/debt-collection-key-terms/>
+    채권추심 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/fraud-key-terms/>
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit card key terms (in Korean)</div>
+<h1>신용카드 주요 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-card-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-card-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/credit-card-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/credit-card-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/credit-card-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/credit-card-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-card-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>연이율(APR) (Annual percentage rate (APR))</b></h2><p data-block-key="1s349">APR 또는 연이율은 대출 비용이 얼마인지 비교하는 표준적인 방법입니다. 이는 대출 상품의 비용을 “같은” 기준으로 비교할 수 있도록 합니다. 신용카드 회사는 소비자가 카드 사용에 동의하기 전 APR을 꼭 공시하여야 합니다.</p><p data-block-key="adrc4">APR을 계산하려면 1년의 기간에 걸쳐 빌리는 금액에 대해 이자율과 수수료를 비교하여 산출해야 합니다. 이를 통해 신용카드 비용을 6개월 할부 대출과 비교할 수 있습니다. 이는 또한 APR이 보통 단순한 이자율과 다른 이유입니다.<br/><br/></p><hr/><p data-block-key="cdp2h"></p><h2 data-block-key="cco1e"><b>잔액 이체 (Balance transfer)</b></h2><p data-block-key="22ir2">잔액 이체는 아직 납부하지 않은 카드대금 잔액을 한 신용카드에서 다른 신용카드로 이체할 수 있도록 해주며 때로는 수수료가 부과됩니다. 수수료는 보통 이체하는 금액의 일정 비율 또는 고정된 금액 가운데 더 큰 금액이 부과됩니다. 많은 신용카드 회사들은 빚을 한 신용카드로 통합하도록 0% 또는 저금리 잔액 이체를 제공합니다. 대부분의 잔액 이체에 대한 홍보용 이자율은 제한된 기간 동안만 제공됩니다. 그 이후에는 새로운 신용카드의 이자율이 인상되어 납부금이 많아질 수 있습니다.</p><p data-block-key="5dtmf">납부금이 60일 이상 연체되는 경우, 신용카드 회사는 이체된 잔액을 포함하여 모든 잔액에 대해 이자율을 인상할 수 있습니다.<br/><br/></p><hr/><p data-block-key="b2a3p"></p><h2 data-block-key="aop5l"><b>크레딧 잔액 (Credit balance)</b></h2><p data-block-key="cqht6">청구서에 있는 크레딧 잔액 (credit balance) 은 카드 발급사가 소비자에게 지급해야 하는 금액입니다.</p><p data-block-key="dp2og">크레딧은 소비자가 대금을 납부할 때마다 계정에 추가됩니다. 또한 신용카드로 산 것을 반품하거나 리워드 또는 이전 청구서 상의 실수로 인해 추가될 수 있습니다. 크레딧의 총액이 본인이 내야 하는 금액을 초과하는 경우, 명세서에 크레딧 잔액이 표시됩니다.</p><p data-block-key="be2pb"><a class="" data-pretty-href="cfpb.gov/askcfpb/42" href="/ask-cfpb/there-is-a-credit-balance-shown-on-my-statement-what-is-a-credit-balance-en-42/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="b92gl"></p><h2 data-block-key="1mefc"><b>일간 정기 이자율 (Daily periodic rate)</b></h2><p data-block-key="ek86q">일부 카드 발급사는 일간 정기 이자율을 사용하여 이자를 계산합니다. 일간 정기 이자율은 하루가 끝날 때 지불해야 하는 금액에 이자율을 곱하여 이자를 계산합니다. 그런 다음 이 이자는 전 날의 잔액에 추가되는데 이는 이자가 매일 복리로 계산된다는 뜻입니다.<br/><br/></p><hr/><p data-block-key="cj86h"></p><h2 data-block-key="ahtlb"><b>유예기간 (Grace period)</b></h2><p data-block-key="c2m8o">유예기간은 대금 청구 주기의 끝과 대금 결제 기일 사이의 기간을 말합니다. 기일까지 대금 전액을 납부하는 경우 이 기간 동안은 이자가 부과되지 않을 수 있습니다. 신용카드 회사는 유예기간을 제공하지 않아도 됩니다. 그러나 대부분의 신용카드 회사는 구매에 대해 유예 기간을 제공합니다.</p><p data-block-key="3r0dj"><a class="" data-pretty-href="cfpb.gov/askcfpb/47" href="/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="bhq7v"></p><h2 data-block-key="3ohpj"><b>이자율 (Interest rate)</b></h2><p data-block-key="e45bf">신용카드의 이자율은 돈을 빌리는 데 내는 비용입니다. 신용카드 이자율은 일반적으로 연간 이자율로 표시되며 이를 연이율(APR)이라고 부릅니다. 대부분의 카드는 매월 납기일까지 잔액을 전액 지불하면 구매한 것에 대해 이자를 내지 않아도 됩니다.<br/><br/></p><hr/><p data-block-key="li2g"></p><h2 data-block-key="165ea"><b>사전 선별된 신용카드 제안 (Prescreened credit card offer)</b></h2><p data-block-key="68kig">사전 선별된 신용카드 제안은 신용카드 회사가 신용평가기관의 정보를 사용하여 소비자의 신용 기록이 카드 회사에서 정한 기준을 충족하는 경우 소비자에게 확정된 신용을 제안하는 것입니다.</p><p data-block-key="do8q"><a class="" data-pretty-href="cfpb.gov/askcfpb/1" href="/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="7tpg1"></p><h2 data-block-key="74c4d"><b>무단 사용 (Unauthorized use)</b></h2><p data-block-key="bsu8n">일반적으로 무단 사용은 카드를 사용할 권리가 없는 사람이 신용카드를 사용한 것을 말합니다. 예를 들어, 카드를 분실하였는데 누군가가 그 카드를 찾아 사용한다면 이는 무단 사용한 것입니다.</p><p data-block-key="34mhn"><a class="" data-pretty-href="cfpb.gov/askcfpb/26" href="/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/">(영어로) 추가 정보 읽기</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html
new file mode 100644
index 000000000000..8053259952c8
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/credit-reports-and-scores-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="ko" class="no-js">
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Resources for Yourself
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+    >
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+    >
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+       >
+        Coronavirus Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+       >
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+                aria-label="Enforcement"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+       >
+        Industry Whistleblowers
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+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/auto-loan-key-terms/>
+    자동차 대출 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/bank-accounts-key-terms/>
+    은행 계좌 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-card-key-terms/>
+    신용카드 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    신용 보고서 및 점수 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/debt-collection-key-terms/>
+    채권추심 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/fraud-key-terms/>
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit reports and scores key terms (in Korean)</div>
+<h1>신용 보고서 및 점수 주요 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-reports-and-scores-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-reports-and-scores-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/credit-reports-and-scores-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/credit-reports-and-scores-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/credit-reports-and-scores-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/credit-reports-and-scores-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-reports-and-scores-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>신용 조회 (Credit inquiry)</b></h2><p data-block-key="6p9jt">신용 조회는 본인의 신용 파일 열람을 요청하는 것을 말하며, 두 가지 유형 중 하나입니다.</p><p data-block-key="8v2b1"><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="4qtfn"></p><h2 data-block-key="ef4u8"><span id="creditinvisible"><b>신용 사각지대 (Credit invisible)</b></span></h2><p data-block-key="ujel">2015년 CFPB에서는 2천6백만 명의 미국인들이 “신용 사각지대”에 놓여 있다는 <a href="/about-us/blog/who-are-credit-invisible/">보고서를 출판</a>하였습니다. 이 수치는 성인 10명 중 1명은 전국 3대 신용평가기관 중 어느 곳에도 신용 기록이 없음을 나타냅니다. 추가로 천9백만 명의 소비자는 “점수를 매길 수 없는” 신용 파일을 가지고 있으며 이는 금융 이력 부족 즉 신용 기록이 불충분하거나(990만 명) 오래된 파일이라 최근 신용 기록이 부족함을 의미합니다(960만 명). 요약하자면 점수를 매길 수 있는 신용 기록이 없기 때문에 신용에 대한 접근이 거부될 수 있는 소비자의 수는 4천5백만 명에 이릅니다. 신용 사각지대에 놓여 있거나 점수를 매길 수 없는 신용을 가진 사람들은 일반적으로 양질의 신용에 접근할 수 없으며 신용을 얻는 것부터 아파트 임대에 이르기까지 다양한 문제에 직면할 수 있습니다.<br/><br/></p><hr/><p data-block-key="ab3ts"></p><h2 data-block-key="3ft95"><b>신용 모니터링 서비스 (Credit monitoring service)</b></h2><p data-block-key="70bpc">신용 모니터링 서비스는 소비자의 <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">신용 보고서</a> 를 주시하고 신용 보고서에 기재된 계정의 변동 사항에 대해 알림을 제공하는 유료 상업 서비스입니다.</p><p data-block-key="aiifv"><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="agra8"></p><h2 data-block-key="cak3u"><b>신용 보고서 (Credit report)</b></h2><p data-block-key="arp47">신용 보고서는 개인의 신용 활동과 대출 납부 내역 및 신용 계정 현황과 같은 현재의 신용 상황에 대한 정보를 담고 있는 내역서입니다.<br/><br/></p><hr/><p data-block-key="1a47f"></p><h2 data-block-key="e28nb"><b>신용평가기관 (Credit reporting company)</b></h2><p data-block-key="dmcfi">신용평가기관은 신용 조사 기관 또는 소비자 보고 기관으로 알려져 있으며 신용 보고서를 만들고 판매하는 회사입니다.<br/><br/></p><hr/><p data-block-key="422lu"></p><h2 data-block-key="d4l5d"><b>신용 점수 (Credit score)</b></h2><p data-block-key="cu5qs">신용 점수는 대출을 제때 갚을 확률을 예측합니다. 회사들은 스코어링 모델(scoring model)이라고 하는 수학 공식을 사용하여 신용 보고서에 있는 정보를 가지고 신용 점수를 생성합니다. 소비자에게 신용 점수는 “하나”만 있는 것이 아니며 대출업체뿐 아니라 소비자에게 제공되는 신용 점수도 여러 가지가 있다는 것을 아는 것이 중요합니다. 모든 신용 점수는 계산에 사용된 데이터에 따라 다르며 스코어링 모델, 신용 기록 출처, 대출 상품 유형 및 심지어는 계산 날짜에 따라 다를 수 있습니다.<br/><br/></p><hr/><p data-block-key="73ubt"></p><h2 data-block-key="7l5hs"><b>공정신용보고법 (Fair Credit Reporting Act)</b></h2><p data-block-key="fr86b">연방 공정신용보고법(FCRA)은 소비자 보고 기관의 파일에 있는 정보의 정확성, 공정성 및 개인정보보호를 증진합니다. 소비자 조사 기관 및 전문 기관(수표 작성 내역, 의료 기록 및 임대 내역 기록 정보를 판매하는 기관 등)을 포함하여 여러 유형의 소비자 보고 기관이 존재합니다. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">FCRA에 따른 주요 권리</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> 에 대해 자세히 알아보시기 바랍니다.<br/><br/></p><hr/><p data-block-key="7kl1c"></p><h2 data-block-key="7c1t2"><b>파이코 점수 (FICO score)</b></h2><p data-block-key="3ek0p">파이코® 점수(FICO score)는 특정한 브랜드의 신용 점수입니다.</p><p data-block-key="9h9rm"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="4pnus"></p><h2 data-block-key="3ppjh"><b>사기 경보 (Fraud alert)</b></h2><p data-block-key="5tkoi">사기 경보는 신규 계좌 개설, 추가 카드 발급, 또는 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 소비자의 신용 보고서를 확인하는 채권자가 소비자의 신원도 확인하도록 요구합니다. 소비자가 한 곳의 전국 신용평가기관을 통해 <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">신용 보고서</a> 에 사기 경보를 설정해 놓은 경우 해당 기관은 다른 기관에 통보하여야 합니다. 사기 경보의 주요 유형 두 가지로는 초기 사기 경보와 확장형 경보가 있습니다.<br/><br/></p><hr/><p data-block-key="57dsj"></p><h2 data-block-key="cv6iv"><b>신원 모니터링 또는 신원 도용 보호 (Identity monitoring or identity theft proection)</b></h2><p data-block-key="4q2co">신원 도용 보호 서비스는 신용 신청서, 공공 기록, 웹사이트 및 기타 장소에서 개인적으로 식별 가능한 정보를 모니터링하여 신원 도용이 의심되는 비정상적인 활동을 찾습니다.</p><p data-block-key="ei18u"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="ekac6"></p><h2 data-block-key="5qbq9"><b>신원 도용 (Identity theft)</b></h2><p data-block-key="9rkvj">신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다. 신원을 도용하는 것은 다음과 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다.</p><ul><li data-block-key="eqt6d">이름</li><li data-block-key="73va6">사회보장번호</li><li data-block-key="aloe4">신용카드 번호<br/><br/></li></ul><hr/><p data-block-key="fpdc9"></p><h2 data-block-key="1l7i8"><b>현역 군인 경보 (Military active duty alert)</b></h2><p data-block-key="7ivm0">군인(예: 해병대, 육군, 해군, 공군, 해안경비대)은 현역 군인 경보를 요청할 수 있습니다. 신용 보고서에 현역 군인 경보를 설정하면 채권자는 계정 개설, 기존 계정에 신용카드 추가 발급 또는 기존 계정에 신용 한도를 늘리기 전에 요청한 사람이 실제로 본인인지 확인하기 위해 합당한 조치를 취해야 합니다. 현역 경보는 12개월 동안 지속됩니다. 또한 2년 동안 전국 신용평가기관의 신용 제안 및 보험에 대한 사전 선별 마케팅 목록에서 이름이 삭제될 것입니다.<br/><br/></p><hr/><p data-block-key="2qfef"></p><h2 data-block-key="90vvv"><b>지불된 추심 (Paid collection)</b></h2><p data-block-key="3q8kq">지불된 추심은 연체되어 추심으로 넘어갔다가 지불된 계정입니다.</p><p data-block-key="87d5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="/ask-cfpb/what-is-a-paid-collection-en-1383/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="n0d6"></p><h2 data-block-key="alt6r"><b>보안 잠금 (Security freeze)</b></h2><p data-block-key="6j7q9">신용 보고서에 “보안 잠금”을 설정해두면 본인이 잠금을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하거나 다른 이들이 본인의 명의로 계정을 개설하는 것을 막을 수 있습니다. 대부분의 사업체들은 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 잠금은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다.<br/><br/></p><hr/><p data-block-key="9jakh"></p><h2 data-block-key="3u368"><b>전문 소비자 평가 회사 (Specialty consumer reporting company)</b></h2><p data-block-key="9gh4a">전문 소비자 평가 회사는 고용 이력, 사업체와의 거래 내역 또는 특정 상품이나 서비스에 대한 상환 내역에 대한 정보를 수집하고 공유합니다.<br/><br/></p><hr/><p data-block-key="u0jb"></p><h2 data-block-key="1pa1v"><b>세입자 심사 보고서 (Tenant screening report)</b></h2><p data-block-key="abhbv">임대인이 사용하는 보고서로 잠재적 세입자에 대해 결정을 내리는 데 도움이 됩니다. 세입자 심사 보고서는 본인의 임대 내역과 신용 보고서를 포함하여 여러 출처에서 뽑은 정보를 담을 수 있습니다.</p><p data-block-key="21hkq"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">(영어로) 추가 정보 읽기</a><br/><br/></p><hr/><p data-block-key="53gmv"></p><h2 data-block-key="bjnun"><b>금융 이력 부족 또는 신용 파일 없음 (Thin credit file / No credit file)</b></h2><p data-block-key="ckqdt">금융 이력 부족 또는 신용 파일 없음은 신용 이력이 없거나 신용 점수를 생성하기 위한 충분한 신용 이력이 현재 없음을 뜻합니다. 참고: <a href="#creditinvisible">신용 사각지대</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/ko/debt-collection-key-terms/index.html
new file mode 100644
index 000000000000..24c60b90e16d
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/debt-collection-key-terms/index.html
@@ -0,0 +1,1484 @@
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+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
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+            data-js-hook="behavior_flyout-menu_trigger">
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+    </button>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/data-research/">
+                Data &amp; Research Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+       >
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/auto-loan-key-terms/>
+    자동차 대출 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/bank-accounts-key-terms/>
+    은행 계좌 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-card-key-terms/>
+    신용카드 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-reports-and-scores-key-terms/>
+    신용 보고서 및 점수 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    채권추심 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/fraud-key-terms/>
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Korean)</div>
+<h1>채권추심 주요 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/debt-collection-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/debt-collection-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/debt-collection-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/debt-collection-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/debt-collection-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/debt-collection-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/debt-collection-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>신용상담사 (Credit counselor)</b></h2><p data-block-key="gs9p">신용상담사는 다음에 대해 도움을 줄 수 있습니다.</p><ul><li data-block-key="c1gqn">돈과 부채 관리에 대한 조언</li><li data-block-key="350ij">예산 계획</li><li data-block-key="121ht">무료 교육 자료와 워크샵 제공</li><li data-block-key="14f2s">일반적으로 <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">신용상담사</a>는.소비자 신용, 돈, 부채 관리 및 예산 계획에 대해 인증 및 교육을 받은 사람입니다. 상담사들은 개인의 전체 금융 상황에 대해 협의하고 돈 문제들을 해결하기 위해 맞춤화된 계획을 개발합니다. <br/><br/></li></ul><hr/><p data-block-key="c7veu"></p><h2 data-block-key="2jsfa"><b>채권추심 규정 (Debt Collection Rule)</b></h2><p data-block-key="ahl0q">CFPB는 2021년 11월 30일에 연방 공정채권추심법(FDCPA)을 명확히 하고 해석하는 “규정”을 발표했습니다.</p><p data-block-key="3tgkn"><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">(영어로) 추가 정보 읽기</a> <br/><br/></p><hr/><p data-block-key="f76vj"></p><h2 data-block-key="1a91r"><b>채권추심자 (Debt collector)</b></h2><p data-block-key="p3ed">연방 공정채권추심법에 따르면 채권 추심업자는 일반적으로 다른 사람 또는 회사에 빚진 부채가 보통 연체된 경우에 정기적으로 추심하는 사람입니다.</p><p data-block-key="ab8uv">채권추심자는 채권추심 기관 또는 사업의 일부로 추심을 하는 변호사를 포함합니다. 또한 채권자 또는 기타 사업체로부터 연체된 부채를 구매하여 추심하려는 회사들도 있습니다. 이러한 채권추심자들은 또한 채권추심 기관, 채권추심 업체 또는 부채 구매자라고 부르기도 합니다. <br/><br/></p><hr/><p data-block-key="enm8g"></p><h2 data-block-key="bf5g1"><b>채무조정(탕감) 서비스 (Debt settlement (relief) services)</b></h2><p data-block-key="coqd3">채무조정 회사들은 채권자 또는 채권 추심업자에게 진 부채의 조건을 재협상, 합의 또는 변경할 수 있다고 이야기하는 회사들입니다. 채무조정 회사들과 거래하는 것은 위험할 수 있습니다.</p><p data-block-key="9m7u3"><a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">(영어로) 추가 정보 읽기</a> <br/><br/></p><hr/><p data-block-key="dvure"></p><h2 data-block-key="bf0g0"><b>공정채권추심법(FDCPA) (Fair Debt Collection Practices Act (FDCPA))</b></h2><p data-block-key="363ae">공정채권추심법(FDCPA)은 채권추심 관행을 규율하는 주요 연방법입니다. FDCPA는 채권추심 회사들이 채무자로부터 채권을 추심하기 위해 폭력적이거나 불공정하고 기만적인 관행을 사용하는 것을 금지합니다. FDCPA에 따라 보장되는 권리에 대한 정보를 <a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/">자세히 읽어 보시기 바랍니다</a>. <br/><br/></p><hr/><p data-block-key="13rp0"></p><h2 data-block-key="c0igq"><b>채권 압류 (Garnishment)</b></h2><p data-block-key="10s56"><a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">임금 압류 또는 은행 계좌 채권 압류</a>는 채권자가 채무자의 급여 일부 또는 은행 계좌에서 돈을 가져가 빚진 돈을 회수하는 경우 발생합니다. 채권 압류는 일반적으로 <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">판결</a> 로 인한 법원 명령이 요구됩니다. 그러나 정부에게 빚진 특정 부채는 판결 없이 압류로 이어질 수 있습니다.</p><p data-block-key="97vqs">주정부 및 연방 법에는 일반적으로 생활비를 보장할 수 있도록 은행 계좌 및 임금 압류에 적용되는 한도 또는 “면제”가 있습니다. 또한 임금이 합법적으로 압류될 수 없는데 채권추심자가 임금이 압류될 것이라고 위협하는 것은 공정 채권추심법(FDCPA)에 위반됩니다. <br/><br/></p><hr/><p data-block-key="7qcgg"></p><h2 data-block-key="b9cl6"><b>채권추심자에 의한 괴롭힘 (Harassment by a debt collector)</b></h2><p data-block-key="1sa9k">공정채권추심법(FDCPA)에 따르면 채권 추심업자는 채무자 본인 또는 연락을 하는 다른 이들을 괴롭히거나, 억압 또는 학대할 수 없습니다.<br/></p><p data-block-key="60kb9">채권추심자에 의한 괴롭힘은 여러 형태로 나타날 수 있습니다. 예를 들면 채무자 또는 전화를 받는 사람을 짜증 나게 하거나 학대 또는 괴롭히기 위한 반복적인 전화, 외설적이거나 모독적인 언어 사용, 폭력 또는 해를 가하겠다는 위협, 부채 상환을 거부하는 사람들의 명단 게시(신용평가기관에 하는 정보 보고는 포함되지 않음) 및 누구인지 밝히지 않고 전화하기 등이 있습니다. <br/><br/></p><hr/><p data-block-key="3eirh"></p><h2 data-block-key="bq9j5"><b>판결 (Judgment)</b></h2><p data-block-key="d51t7">판결은 법원 소송에 대한 공식적인 결과입니다. 채권추심 소송에서 판사는 채권자 또는 <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">채권추심자</a> 에게 채무자에 대한 판결을 내릴 수 있습니다. 법적 고소장에 응답하지 않는 경우, 자신을 변호할 수 있는 기회를 잃게 되며 본인에게 불리한 판결이 내려질 수 있습니다.</p><p data-block-key="asjdj">누군가가 본인을 고소하거나 본인에 대한 판결을 확보한 경우에 어떻게 해야 할지 모르겠다면 변호사와 상담하시기 바랍니다. 어떤 변호사들은 무상으로 서비스를 제공하거나 감액된 비용을 청구할 수 있습니다. 또한 특정 기준을 충족할 경우 무상으로 서비스를 제공하는 <a class="a-link a-link__icon" href="https://www.lsc.gov/about-lsc/what-legal-aid/i-need-legal-help"><span class="a-link_text">법률 구조 사무</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 소 또는 법률 클리닉이 해당 지역에 있을 수 있습니다. 군인들은 <a class="a-link a-link__icon" data-pretty-href="https://legalassistance.law.af.mil/" href="/external-site/?ext_url=https%3A%2F%2Flegalassistance.law.af.mil%2F&amp;signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU"><span class="a-link_text">지역 JAG 사무소</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 에 상담하시기 바랍니다. <br/><br/></p><hr/><p data-block-key="44en4"></p><h2 data-block-key="4pbhi"><b>제한된 내용 메시지 (Limited-Content Message)</b></h2><p data-block-key="69ia5">채권추심 규정에 의거하여, 소비자에게 남기는 음성사서함 메시지는 특정 필수 정보를 포함해야 하고 기타 선택적 내용을 포함할 수 있습니다.</p><p data-block-key="c2892"><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">(영어로) 추가 정보 읽기</a> <br/><br/></p><hr/><p data-block-key="19nie"></p><h2 data-block-key="76h5h"><b>원채권자 (Original creditor)</b></h2><p data-block-key="7gpv3">일반적으로 원채권자는 채무자에게 대출 또는 신용을 준 회사입니다. 원채권자는 연체된 신용 계정을 직접 추심하거나 채권추심자를 고용할 수 있습니다. 원채권자는 채무자의 신용 계정을 채권추심자에게 팔 수도 있습니다. 채권추심자는 일반적으로 특정 채무자의 계정에 대하여 채권추심을 하도록 계약된 제3자, 또는 부채를 원채권자, 다른 채권추심자 또는 채무 구매자로부터 구매한 이를 말합니다. <br/><br/></p><hr/><p data-block-key="8j985"></p><h2 data-block-key="fbcft"><b>소멸시효 (Statute of limitations)</b></h2><p data-block-key="e7m9j">소멸시효는 채권자나 채권추심자가 채무를 회수하기 위해 <a class="" data-pretty-href="cfpb.gov/askcfpb/334" href="/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/">소송을 제기</a> 해야 하는 제한된 기간입니다. 대부분의 소멸시효는 3년에서 6년 사이이지만, 특정 관할권에서는 더 연장될 수도 있습니다. 소멸시효는 주정부 법, 부채 유형, 신용 계약서에 명시된 주정부 법에 따라 다를 수 있습니다. <br/><br/></p><hr/><p data-block-key="f406j"></p><h2 data-block-key="3dhl"><b>세부명세 통지 (Validation Notice)</b></h2><p data-block-key="d725c">채권추심자는 소비자와 처음 연락할 때 또는 그 직후 특정 정보를 제공해야 합니다. 채권추심자가 이 필수 정보를 전자적으로 또는 서면으로 제공하는 경우 이를 세부명세 통지라고 합니다.<br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/fraud-key-terms/index.html b/www.consumerfinance.gov/language/ko/fraud-key-terms/index.html
new file mode 100644
index 000000000000..6d7d46182e64
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/fraud-key-terms/index.html
@@ -0,0 +1,1484 @@
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+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
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+            </ul>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Data &amp; Research Overview
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
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+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            섹션 탐색하기
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/auto-loan-key-terms/>
+    자동차 대출 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/bank-accounts-key-terms/>
+    은행 계좌 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-card-key-terms/>
+    신용카드 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/credit-reports-and-scores-key-terms/>
+    신용 보고서 및 점수 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/debt-collection-key-terms/>
+    채권추심 주요 용어
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    사기 핵심 용어
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ko/mortgages-key-terms/>
+    모기지 핵심 용어
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Korean)</div>
+<h1>사기 핵심 용어</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/fraud-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/fraud-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/fraud-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/fraud-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/fraud-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>고령자 재정적 착취 (Elder financial exploitation)</b></h2><p data-block-key="bcjf6">고령자 재정적 착취는 고령자의 자금, 부동산 또는 자산의 불법 또는 부적절한 사용입니다. 가장 흔한 유형의 고령자 학대이지만, 오직 소수의 사건만이 신고됩니다.</p><p data-block-key="1e1ci">가해자는 고령자의 신뢰를 얻은 낯선 사람일 수도 있지만 가족이나 친구일 수도 있습니다. 경고 신호를 아는 것이 중요합니다. <a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">(영어로) 추가 정보 읽기</a>.<br/><br/></p><hr/><p data-block-key="58f67"></p><h2 data-block-key="a7bml"><b>부동산 압류 경감 사기 (Foreclosure relief scam)</b></h2><p data-block-key="5u70k">부동산 압류 경감 및 모기지 대출 조건 조정 사기는 부동산 압류로부터 구제해주겠다는 허위의 약속으로 돈 또는 주택을 뺏으려는 책략입니다. 이러한 사기꾼들은 선불로 돈을 요구하고 모기지 조건 조정을 보장한다고 주장할 수 있습니다. 모기지 납부금을 지불하는데 어려움을 겪고 있는 경우 HUD 승인 주택 상담 기관이 무료로 귀하의 선택권을 설명해드릴 수 있습니다.<br/><br/></p><hr/><p data-block-key="gj1p"></p><h2 data-block-key="8577q"><b>예방을 위한 사기 경보 (Fraud alert for prevention)</b></h2><p data-block-key="2d8e0">사기 경보는 새로운 계정의 신원 도용의 피해자가 될 가능성을 줄이기 위해 사용할 수 있는 것입니다. 이는 신규 계좌를 개설, 추가 카드 발급, 소비자 요청에 따라 기존 계좌의 신용 한도 증액 전에 본인의 신용 보고서를 확인하는 채권자가 귀하의 신원을 확인하도록 요구합니다. 본인이 한 곳의 전국 신용 평가 회사를 통해 신용 보고서에 사기 경보를 걸어 놓을 경우 해당 회사는 타사에 통보하여야 합니다.</p><p data-block-key="25le9">사기 경보에는 주요 유형 두 가지, 첫 사기 경보 및 연장된 경보가 있습니다. 군인에게는 추가적 옵션으로 현역 경보가 있으며 군인이 현역으로 근무하는 동안 보호를 제공합니다.</p><p data-block-key="3p09q"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">(영어로) 추가 정보 읽기</a>.<br/><br/></p><hr/><p data-block-key="304v3"></p><h2 data-block-key="740lv"><b>수탁자에 의한 사기 (Fraud by fiduciaries)</b></h2><p data-block-key="64s0q">수탁자는 다른 이의 돈과 부동산을 관리하는 사람입니다. 예를 들어, 위임장을 동한 대리인 또는 법원 지명 보호자는 수탁자입니다.</p><p data-block-key="4k1fe">본인이 수탁자로 지명된 경우, 본인의 이득이 아닌 해당되는 이의 이득을 위해 그의 돈과 부동산을 관리하도록 법이 요구합니다. 수탁자가 자신의 이득을 위해 돈을 쓰는 경우, 이는 사기일 수 있습니다.<br/><br/></p><hr/><p data-block-key="ctuu0"></p><h2 data-block-key="8ud1h"><b>신원 도용 (Identity theft)</b></h2><p data-block-key="8asq9">신원 도용은 누군가가 본인의 신원을 도용하여 사기를 행할 때 발생합니다.</p><p data-block-key="f1b61">본인의 신원을 도용하는 것은 본인의 이름, 사회 보장 번호, 은행 계좌 정보 또는 신용 카드 번호와 같은 개인 정보를 본인의 허락 없이 사용하는 것을 뜻할 수 있습니다 신원 도용 방지와 대응에 대해 <a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text">연방 통상 위원회 정보</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>가 제공됩니다.<br/><br/></p><hr/><p data-block-key="fdn7d"></p><h2 data-block-key="893pb"><b>사칭 사기 (Imposter scams)</b></h2><p data-block-key="aooc3">사칭 사기꾼은 보안관, 지역, 주 또는 연방 정부 직원 또는 자선 단체와 같이 귀하가 알고 있거나 신뢰하는 사람인 것처럼 가장하여 돈을 보내도록 설득하려 합니다. 발신자 번호는 위조될 수 있음을 기억하십시오. 돈을 주기 전에 언제든지 조직이나 정부 기관에 전화하여 그 사람이 그 곳에서 일하는지 물어볼 수 있습니다.<br/><br/></p><hr/><p data-block-key="hur0"></p><h2 data-block-key="29tfa"><b>우편 사기 (Mail fraud)</b></h2><p data-block-key="10u44">우편 사기 편지는 진짜처럼 보이지만 약속은 가짜입니다. 일반적인 경고 신호는 돈이나 정보를 보낸 후에 귀중한 것을 얻기 위해 지금 돈이나 개인 정보를 보내달라고 요청하는 편지입니다.<br/><br/></p><hr/><p data-block-key="7svm9"></p><h2 data-block-key="4u03o"><b>피싱 (Phishing)</b></h2><p data-block-key="dlkvl">피싱에서 사기꾼은 기업이나 개인을 사칭하여 암호, 신용 카드 번호 또는 은행 계좌 정보와 같은 개인 정보를 제공받도록 귀하를 속입니다. 사기꾼은 사기성 이메일, 문자 또는 웹사이트를 사용하여 이 정보를 도용할 수 있습니다. 이러한 이메일은 진짜처럼 보일 수 있습니다.<br/><br/></p><hr/><p data-block-key="7jj9g"></p><h2 data-block-key="d797j"><b>예방을 위한 보안 동결 (Security freeze for prevention)</b></h2><p data-block-key="f9tgb">보안 동결은 본인이 동결을 풀 때까지 신규 채권자가 본인의 신용 파일에 접근하고 다른 이들이 본인의 명의로 계정을 개설하는 것을 막습니다.</p><p data-block-key="55i4k">대부분의 사업체들은 귀하의 신용 보고서 조회 없이 신용 계정을 개설하지 않으므로 동결은 신원 도용 범죄자들이 본인의 명의로 새로운 계정을 개설하는 것을 막습니다. 동결은 신원 도용 범죄자들이 기존 계정을 탈취하는 것을 막지 못한다는 점에 유의하십시오.</p><p data-block-key="2t134"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">(영어로) 추가 정보 읽기</a>.<br/><br/></p><hr/><p data-block-key="84qpe"></p><h2 data-block-key="ea086"><b>스푸핑 (Spoofing)</b></h2><p data-block-key="bcrkp">스푸핑은 발신자가 표시된 발신자 정보를 위장할 때 발생합니다. 이는 발신자가 특정 위치에서 특정 사람으로 전화를 거는 것처럼 나타나도록 이름 및/또는 번호를 위장하거나 “스푸핑”할 수 있습니다.<br/><br/></p><hr/><p data-block-key="ctisi"></p><h2 data-block-key="9tgna"><b>전신 송금 또는 자금이체 사기 (Wire or money transfer fraud)</b></h2><p data-block-key="d6quf">사기꾼들은 귀하로부터 돈을 훔치기 위해 돈을 송금하거나 이체하도록 속입니다. 전신 송금 사기의 일반적인 예는 “조부모 사기”입니다. 손주나 손주의 친구로 가장한 사기꾼이 전화를 걸어 외국에 있다거나 무슨 일이 생겨 당장 전신 송금이나 이체가 필요하다고 말하는 경우입니다.<br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/ko/how-to-avoid-foreclosure/index.html
new file mode 100644
index 000000000000..dde340526063
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/how-to-avoid-foreclosure/index.html
@@ -0,0 +1,1425 @@
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    </ul>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+                            Kreyòl Ayisyen
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
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+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Korean)</div>
+<h1>부동산 압류를 피하는 방법</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/how-to-avoid-foreclosure/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/how-to-avoid-foreclosure/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/how-to-avoid-foreclosure/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/how-to-avoid-foreclosure/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">모기지 상환에 어려움을 겪고 있을 때 가장 중요한 일은 상황을 통제하는 것입니다. 대부분의 경우, 아무것도 하지 않는 것이 가장 나쁜 선택입니다. 상황을 통제한다는 것은 다음 네 가지 단계를 따르는 것을 의미합니다.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc"><b>1. 도움을 요청하는 전화를 하거나 받으세요.</b></h2><p data-block-key="d1eij">도움을 요청하기 위해 모기지 서비스 기관에서 오는 전화를 받도록 합니다. 더 좋은 방법은 월 상환금을 낼 수 없다는 사실을 알게 되는 즉시 모기지 서비스 기관으로 전화를 하는 것입니다. 전화번호는 매월 받는 모기지 명세서에 적혀 있습니다. 월 상환금을 낼 수 없는 이유를 모기지 서비스 기관에 알리고 압류를 피하기 위한 도움을 요청하시기 바랍니다.</p><h2 data-block-key="603ib"><b>2. 무료 전문가의 도움을 요청하세요.</b></h2><p data-block-key="cfeul">대출 상환에 문제가 생기면, 대출 서비스 기관에서 도움을 줄 수 있습니다. 대출 서비스 기관으로부터 필요한 도움을 받을 수 없다면, 가까이에 있는 주택 상담기관을 통해 전문가의 도움을 요청하시기 바랍니다. 상담사는 맞춤형 행동 계획을 세워주고 모기지 회사와 함께 상황을 해결할 수 있도록 도와줄 수 있습니다. HUD 공인 주택상담사를 찾으시려면 웹사이트(<a href="/mortgagehelp/">consumerfinance.gov/mortgagehelp</a>)를 방문하거나 (800) 569-4287로 전화하여 우편 번호를 입력하시면 됩니다.</p><h2 data-block-key="9up8q"><b>3. 사기를 조심하세요.</b></h2><p data-block-key="7g3ln">사기꾼들은 도움을 주겠다는 거짓된 약속을 하며 수천 달러에 이르는 많은 돈을 요구하여 어려움에 처한 주택 소유자를 이용하려고 합니다. 부동산 압류를 피하기 위해 누군가에게 돈을 지불할 필요가 없습니다. 필요한 도움은 모기지 서비스 기관이나 HUD 공인 주택 상담 기관을 통해 무료로 받을 수 있습니다.</p><h2 data-block-key="4h721"><b>4. 지원을 신청하세요.</b></h2><p data-block-key="ed1vd">모기지 서비스 기관은 채무자에게 연락하여 정확한 정보를 제공하고, 받을 수 있는 손실 경감 옵션에 대해 알려주어야 합니다. 손실 경감이란 부동산 압류를 피하기 위해 모기지 서비스 기관과 채무자가 협력하는 것을 말합니다. 작성한 신청서를 모기지 서비스 회사로 일찍 보내면 주택을 유지할 수 있는 방법에 대해 안내해 주거나, 더 합리적인 경우에는 주택을 떠나는 방법에 대해 설명해 주어야 합니다.</p><p data-block-key="dvlso">주택상담사는 사람들의 부동산이 압류되지 않도록 도와준 경험이 풍부합니다. 채무자의 선택안에 대해 이해하고 지원을 신청하기 위한 복잡한 절차에 대해 도움을 줄 수 있습니다. 모기지 서비스 기관은 납부금이 120일이 넘게 연체되어야 처음으로 부동산 압류 통지서를 보내거나 압류 신청을 할 수 있습니다. 추가로, 모기지 지원 신청서를 일찍 제출한다면, 이에 대한 검토를 하는 동안 또는 변경된 대출 조건을 준수하는 동안은 압류 절차를 개시할 수 없습니다. 그러니 지체하지 말고 지금 신청하시기 바랍니다. 신청서를 더 빨리 접수할수록 더 많은 보호를 받을 수 있습니다.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="2n95u">부동산 압류 사기를 의심해야 하는 경우</h2><p data-block-key="5dh8e">부동산 압류 사기꾼들은 주택을 압류 당하지 않게 도와주겠다고 하면서 실제로는 사람들의 돈만 가져갑니다.</p><p data-block-key="4f9kc">다음과 같은 사기 경고 신호를 주의하시기 바랍니다.</p><ul><li data-block-key="dcq0e">도움을 받기 위해서는 선불로 돈을 지불하라고 요구합니다.</li><li data-block-key="1csiq">해당 업체가 모기지 조건을 변경해 주겠다고 보장합니다.</li><li data-block-key="h0tr">해당 업체가 주택을 잃지 않게 해주겠다고 보장합니다.</li><li data-block-key="dtjsl">주택 소유권을 양도하게 하거나 이해하지 못하는 다른 서류에 서명하라고 요구합니다.</li><li data-block-key="3c4k3">모기지 회사 또는 모기지 서비스 기관이 아닌 곳으로 납부금을 보내라고 지시합니다.</li><li data-block-key="1sq67">“포렌식 감사”를 제안합니다.</li><li data-block-key="3dvre">모기지 납부금을 내지 말라고 합니다.</li><li data-block-key="34ere">해당 업체가 정부와 연계되어 있다고 하며 정부의 날인과 비슷하지만 살짝 다르게 생긴 로고를 사용합니다.</li></ul>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc">금융상품 또는 서비스에 대한 민원 접수</h2><p data-block-key="7shg">금융상품과 서비스에 대해 매주 만 건 이상의 민원을 관련 업체로 보내 응답을 받고 있습니다. 다른 부처에서 보다 더 잘 지원할 수 있는 경우, 민원을 이송하고 해당 사실을 안내드립니다. 답변은 일반적으로 15일 내에 받을 수 있습니다.</p><ul><li data-block-key="7p9ta"><a href="/complaint/">온라인</a> (영어)</li><li data-block-key="fs1kg">또는 (855) 411-2372 로 전화하여 한국어 및 180개 이상의 언어로 도움을 받을 수 있습니다. 전화는 보통 1분 내로 받습니다. 접수된 민원은 영어로 번역되어 답변을 받기 위해 해당 업체로 발송됩니다. 해당 업체에서는 보통 영어로 답변을 하지만 이 전화번호로 연락하여 번역된 답변을 들을 수 있습니다.</li></ul>
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+    <p data-block-key="n8wcq">소비자금융보호국(CFPB)은 소비자가 은행, 대출업체 및 기타 금융기관으로부터 공정한 대우를 받을 수 있도록 보장하기 위해 설립된 미국 정부기관입니다.</p>
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diff --git a/www.consumerfinance.gov/language/ko/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/ko/mortgages-key-terms/index.html
new file mode 100644
index 000000000000..900b0625aa26
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/mortgages-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Payments to Harmed Consumers
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+       >
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
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+       >
+        Credit Card Surveys &amp; Agreements
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+       >
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+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+    자동차 대출 주요 용어
+</a>
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+            <li data-nav-is-active="False">
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+<a class="o-secondary-nav_link
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+    <div class="eyebrow">Mortgages key terms (in Korean)</div>
+<h1>모기지 핵심 용어</h1>
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+            <li>
+                <a href="/language/ht/mortgages-key-terms/"
+                lang="ht"
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+                translate="no">Kreyòl Ayisyen
+                </a>
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+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>5/1 조정이율 담보대출 (5/1 Adjustable Rate Mortgage)</b></h2><p data-block-key="dv7hk">5/1 조정이율 담보대출(ARM) 또는 5년 ARM은 첫 “5”년 동안 귀하의 초기 이자율이 고정된 담보대출을 말합니다. “1”은 초기 5년 기간 이후 이자율이 얼마나 자주 바뀌는지를 대표합니다. 가장 흔한 고정 기간은 3, 5, 7, 10년이며 “1”은 제일 흔한 조정 기간입니다. ARM을 고려하고 있는 경우 주의 깊게 계약서를 읽어보고 질문을 하는 것이 중요합니다.</p><p data-block-key="d3e0r"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">변동이율이 어떻게 변하는지 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="58u7"><br/><b>상환 능력 규칙 (Ability-to-repay rule)</b></h2><p data-block-key="2f3m3">상환 능력 규칙은 대부분의 담보 대출 기관이 귀하가 대출금을 상환할 수 있는지에 대한 합리적이고 선의의 판단입니다.</p><p data-block-key="aomd4"><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="f4ske"><br/><b>조정이율담보대출 (ARM) (Adjustable Rate Mortgage (ARM))</b></h2><p data-block-key="4jmmh">조정이율 담보대출(ARM)은 일반적으로 금리 지수와 관련하여 금리가 변경될 수 있는 대출 유형입니다. 대출 도입 기간, 이자율 상한선 및 지수 이자율에 따라 월별 지불액이 올라가거나 내려갑니다. ARM을 사용하면 초기 이자율과 월 지불액이 고정 금리 담보대출보다 낮을 수 있지만, 이자율과 월 지불액이 모두 상당히 증가할 수 있습니다.</p><p data-block-key="bvsfi"><a href="/owning-a-home/loan-options/">ARM 작용법과 고려사항</a> 에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="1g4c7"><br/><b>상각 (Amortization)</b></h2><p data-block-key="b2g8p">상각은 시간이 지남에 따라 정기적인 지불로 대출을 갚는 것을 의미하므로 지불할 때마다 빚진 금액이 줄어듭니다. 대부분의 주택 융자는 할부 상환되지만 일부 모기지 융자는 전액 상각되지 않으므로 지급액을 모두 지불하고도 빚이 남아 있습니다.</p><p data-block-key="19lru">일부 주택 융자는 지불해야 할 이자 금액 또는 지불해야 할 이자보다 적은 금액만 지불할 수 있도록 허용합니다. 지불금이 매달 지불해야 할 이자보다 적을 경우 모기지 잔액은 줄어들지 않고 늘어날 것입니다. 이를 역상각이라고 합니다. 대출 기간 동안 완전히 상각되지 않는 다른 대출 프로그램은 대출 기간이 끝날 때 일시불의 “최종회 잔액의 일괄 지불”을 요구할 수 있습니다. 어떤 유형의 대출을 선택하는지 꼭 확인하십시오.</p><p data-block-key="ag1pp"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="5au0e"><br/><b>융자 금액 (Amount financed)</b></h2><p data-block-key="24k56">대출 기관으로부터 빌리는 돈의 금액에서 대출 기관이 부과하는 선불 수수료의 대부분을 뺀 금액을 말합니다.</p><p data-block-key="9losb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="https://www.consumerfinance.gov/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="5ankv"><br/><b>연소득 (Annual income)</b></h2><p data-block-key="b3rir">연소득은 모기지 대출 신청의 한 요소이며 일반적으로 1년 동안 벌어들인 총 세전 소득을 말합니다. 연소득은 전임 또는 파트타임 근로, 자영업, 팁, 커미션, 초과 근무, 보너스 또는 기타 출처의 소득이 포함할 수 있습니다. 대출자는 귀하의 연소득 및 기존 월 부채에 대한 정보를 사용하여 귀하가 대출금을 상환할 능력이 있는지 판단합니다.</p><p data-block-key="927hr">대출자가 귀하의 대출을 고려할 때 특정 수입원이나 금액에 의존할지 여부는 계속해서 소득이 합리적으로 지속될지 여부에 따라 종종 달라집니다.</p><p data-block-key="50l7t"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">귀하의 상환 능력이 왜 대출자에게 중요한지 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="61ti5"><br/><b>연이율 (APR) (Annual Percentage Rate (APR))</b></h2><p data-block-key="fgs1q">연이율(APR)은 이자율보다 돈을 빌리는 비용의 더 넓은 척도입니다. APR에는 이자율, 포인트, 모기지 중개 수수료 및 대출을 받기 위해 지불하는 기타 비용이 반영됩니다. 이러한 이유로 APR은 일반적으로 이자율보다 높습니다.</p><p data-block-key="af977"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">APR 비교 방법을 배우십시오</a> <br/><br/><br/></p><hr/><h2 data-block-key="cs1mo"><br/><b>감정 수수료 (Appraisal fee)</b></h2><p data-block-key="4tta4">감정 수수료는 구입하려는 주택 또는 이미 소유하고 있는 주택의 주택 감정 비용입니다. 주택 감정은 부동산 가치에 대한 독립적인 평가를 제공합니다. 대부분의 경우 감정인 선택 및 관련 비용은 대출자에게 달려 있습니다.</p><p data-block-key="ciq9b"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="78vhk"><br/><b>자동 납부 (Automatic payment)</b></h2><p data-block-key="dvgst">자동 납부를 사용하면 은행을 통해 반복 모기지 납부를 설정할 수 있습니다. 자동 납부는 납부금이 적시에 지불되도록 확실히 하는데 편리한 방법입니다. <br/><br/><br/></p><hr/><h2 data-block-key="pu4h"><br/><b>벌룬론 (Balloon loan)</b></h2><p data-block-key="3f0ik">모기지의 경우 벌룬론은 일반적으로 대출 기간 만기 때 일반 대출금보다 더 큰 일회성 납부금이 있을 경우를 뜻합니다. 이 일회성 납부금은 “만기 일시상환”이라고 하며 다른 납부금보다 높으며, 때로는 훨씬 더 높습니다. 만기 일시상환금을 지불할 수 없는 경우 차환하거나 집을 팔거나 압류를 직면할 수도 있습니다.</p><p data-block-key="anp2q"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">벌룬론이 왜 위험할 수 있는지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="17mth"><br/><b>격주 납부 (Bi-weekly payment)</b></h2><p data-block-key="1pmgu">격주 납부 제도에서 모기지 관리 회사는 2주마다 귀하의 월 납부금의 절반을 징수하여 1년 동안 총 26번의 납부금을 지불하게 됩니다(총 1년에 추가 월 납부 1회). 추가 금액을 납부하고 납부금을 원금에 적용함으로써 대출금을 조기에 상환할 수 있습니다. 격주 납부를 선택하기 전에 대출 조건을 검토하여 그렇게 할 경우 선불 벌금이 부과되는지 확인하십시오. 귀하의 관리 회사가 격주 납부 제도에 대해 수수료를 부과하는지 확인하십시오. 매년 추가로 월간 모기지 납부금을 지불함으로써 수수료 없이 똑같은 목표를 달성할 수도 있습니다. <br/><br/><br/></p><hr/><h2 data-block-key="egcrr"><br/><b>클로징 공개서 (Closing Disclosure)</b></h2><p data-block-key="ac16l">클로징 공개서는 선택한 모기지 대출에 대한 최종 세부 정보를 제공하는 5장의 필수 양식입니다. 여기에는 대출 조건, 예상 월 상환금, 모기지를 받기 위해 지불할 수수료 및 기타 비용이 포함됩니다.</p><p data-block-key="52jmm"><a href="/owning-a-home/closing-disclosure/">귀하의 클로징 공개서에 대출에 대한 모든 세부 정보가 정확한지 재확인하는 방법을 배우십시오</a>.<br/><br/><br/></p><hr/><h2 data-block-key="4v0uf"><br/><b>건설 대출 (Construction loan)</b></h2><p data-block-key="8buvk">건설 대출은 일반적으로 집을 짓거나 복구하는 비용을 충당하기 위한 자금을 제공하는 단기 대출입니다.</p><p data-block-key="fennd"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-construction-loan-en-108/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="27r81"><br/><b>통상 대출 (Conventional loan)</b></h2><p data-block-key="b8eki">통상 대출은 정부(예: 연방 주택 관리국, 보훈부 또는 농업부 대출 프로그램)가 보장하거나 보증하지 않는 모기지 대출입니다.</p><p data-block-key="4l9k7"><a href="/owning-a-home/loan-options/conventional-loans/">통상 대출 및 기타 대출 유형</a> 에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="ehn3g"><br/><b>공동 서명자 또는 공동 차입자 (Co-signer or co-borrower)</b></h2><p data-block-key="46kvm">공동 서명자 또는 공동 차입자는 귀하와 함께 모기지 대출을 상환하기 위해 전적인 책임을 지는 데 동의하는 사람입니다. 이 사람은 미납된 금액을 지불해야 하며 귀하가 지불하지 않을 경우 대출금 전액을 지불해야 합니다. 일부 모기지 프로그램에서는 공동 서명자를 소유권이 없고 모기지 주택에 대한 소유 지분이 없는 사람으로 구별합니다. 모기지 대출에 대한 공동 서명자 또는 공동 차입자가 있으면 대출 기관은 대출금이 상환될 것이라는 추가적인 확신을 갖게 됩니다. 그러나 대출금을 상환하지 않으면 공동 서명인 또는 공동 차입자의 신용 기록과 재정이 위험에 처하게 됩니다.</p><p data-block-key="3ab6j"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="e43e"><br/><b>신용 기록 (Credit history)</b></h2><p data-block-key="86g45">신용 기록은 귀하의 신용 보고서에 표시된 대로 귀하의 신용 계정 및 적시 납부에 대한 기록입니다. 신용 평가 회사라고도 하는 소비자 신고 회사는 귀하의 신용 기록에 대한 정보를 수집 및 업데이트하며 이를 귀하에 대한 결정을 내리는 다른 사업체에게 제공합니다. 신용 보고서에는 대출 납부 내역 및 신용 계정 상태와 같은 신용 활동 및 현재 신용 상황에 대한 정보가 담겨 있습니다.</p><p data-block-key="702ov"><a href="/owning-a-home/prepare/check-your-credit/">주택 매입 전 귀하의 신용 기록을 확인하는 것에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="n1sl"><br/><b>신용 보고서 (Credit report)</b></h2><p data-block-key="39sia">신용 보고서는 본인의 신용 활동과 대출 납부 내역 및 신용 계정의 현황과 같은 현재 신용 상황에 대한 정보를 담은 내역서입니다. 대출자들은 귀하의 신용 점수와 신용 보고서에 있는 정보를 사용하여 귀하가 대출에 적격한지와 얼마의 이자율을 제의할지 판단합니다.</p><p data-block-key="ehbkl"><a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">신용 보고서 사본</a> 을 받는 방법을 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="imft"><br/><b>신용 점수 (Credit score)</b></h2><p data-block-key="5gfov">신용 점수는 본인이 대출을 갚을 확률이 얼마인지 예측합니다. 회사들은 채점 모델이라고 하는 수학 공식을 사용하여 신용 보고서의 정보로부터 신용 점수를 생성합니다. 다른 채점 모델이 존재하므로 신용 점수는 하나만 있지 않습니다. 본인의 점수는 본인의 신용기록, 대출 상품이 유형, 심지어는 계산 일에 따라 다릅니다.</p><p data-block-key="99n93"><a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">신용 점수를 확인하는 곳</a> 을 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="6fbsk"><br/><b>총부채 상환 비율 (Debt ratio)</b></h2><p data-block-key="dfpih">총부채 상환 비율은 본인의 월간 부채 상환금을 총 월소득으로 나눈 것입니다. 본 수치는 대출업체가 본인이 빌릴 돈의 상환을 위한 월간 납부금 관리 능력을 측정하는 한 가지 방법입니다.</p><p data-block-key="6fnd8"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">총부채 상환 비율 계산</a> 법을 배우십시오. <br/><br/><br/></p><hr/><h2 data-block-key="30ooi"><br/><span id="deed-in-lieu-of-foreclosure"></span><b>유질처분과 관련한 양도증서 (Deed-in-lieu of foreclosure)</b></h2><p data-block-key="f8cbf">유질처분과 관련한 양도증서는 압류 절차를 피하기 위해 본인이 자발적으로 주택 소유권을 대출자에게 양도하는 것을 말합니다. 유질처분과 관련한 양도증서는 모기지에 남은 잔액에 대한 개인적 책임을 피하는 것을 도울 수 있습니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. 유질처분과 관련한 양도증서는 <a href="/consumer-tools/mortgages/answers/">손실 경감</a> 의 한 유형입니다. <br/><br/><br/></p><hr/><h2 data-block-key="71cju"><br/><b>연체 (Delinquent)</b></h2><p data-block-key="8mnic">연체는 납부금 체납의 다른 용어입니다. 납부금을 내지 않았거나 기일까지 납부금 전액을 내지 않은 경우 본인의 대출이 연체될 수 있습니다. 특정한 기간 동안 연체되는 경우, 대출업제 또는 관리 회사는 압류 절차를 개시할 수 있습니다. 기간은 주마다 다를 수 있습니다.</p><p data-block-key="a51h0">부동산 압류 개시 시점에 연방 규정이 적용될 수 있습니다. <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">모기지를 낼 수 없는 경우의 선택권에 대해 자세히 알아보십시오</a>.</p><p data-block-key="6fl8b">코로나바이러스 영향을 받으신 경우</p><p data-block-key="7jlf4"><a href="/coronavirus/mortgage-and-housing-assistance/">모기지 경감에 대한 정보</a> 알아보기. <br/><br/><br/></p><hr/><h2 data-block-key="a4kpq"><br/><b>요구 기능 (Demand feature)</b></h2><p data-block-key="3816u">클로징 공개서에 “귀하의 대출에는 요구 기능이 있습니다”라고 기재되어 있으며, 이에 “예” 또는 “아니오”라고 체크 표시된 내용이 있습니다. 요구 기능은 대출업체가 귀하에게 조기 납부를 요구하는 것을 허용합니다.</p><p data-block-key="cnlcc"><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="5jmo0"><br/><b>계약금 (Down payment)</b></h2><p data-block-key="4u8jt">계약금은 주택에 대해 선불로 내는 금액입니다. 주택 가치의 몇 퍼센트를 계약금으로 내고 모기지 대출을 통해 나머지를 빌립니다. 일반적으로 계약금을 더 많이 낼수록 더 낮은 이자율을 받게 되며 대출이 승인될 확률도 더 높습니다.</p><p data-block-key="gvet"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">계약금을 정하는 것에 대해 자세히 알아보십시오.</a> <br/><br/><br/></p><hr/><h2 data-block-key="a8qnt"><br/><b>계약금 프로그램 또는 보조금 (Down payment programs or grants)</b></h2><p data-block-key="67ea">계약금 보조금 또는 프로그램은 일반적으로 정부 또는 비영리 기관과 같은 조직에서 주택 구입을 위한 계약금을 지원하기 위해 주택 구매자에게 제공하는 지원금을 말합니다. 자금은 완전한 보조금으로 제공되거나 주택이 매각되는 경우 등과 같은 상황에서 상환을 요구할 수 있습니다.</p><p data-block-key="743lk"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">계약금 프로그램 및 보조금에 대한 정보를 어디서 구할 수 있는지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="la5j"><br/><b>약조금 (Earnest money)</b></h2><p data-block-key="f11um">약조금은 구매자가 주택 구매를 위해 서명한 계약에 대하여 선의를 보여주기 위해 지불하는 보증금입니다. 이 보증금은 판매자나 부동산 중개인 또는 소유권 회사와 같은 제3자가 보유합니다. 주택 매매가 확정되거나 “종료”되면 계약금은 클로징 비용이나 계약금에 적용될 수 있습니다. 허용 가능한 사유로 계약이 해지되면 계약금은 매도인에게 반환됩니다. 구매자가 선의로 이행하지 않으면 약조금은 몰수되어 판매자에게 지급될 수 있습니다.</p><p data-block-key="6dvbj"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="aq0es"><br/>><b>지분 (Equity)</b></h2><p data-block-key="6nq49">지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다.</p><p data-block-key="3a2oc"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">주택 지분 대출이 무엇인지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3tima"><br/><span id="escrow"<b>에스크로 (Escrow)</b></span></h2><p data-block-key="e664h">에스크로 계좌는 재산세 및 주택 소유자 보험과 같은 특정 부동산 관련 비용을 지불하기 위해 모기지 대출 기관에서 설정합니다. 본인의 월간 납부금의 일부가 해당 계좌로 들어갑니다. 모기지에 에스크로 계정이 없는 경우 본인이 부동산 관련 비용을 직접 지불합니다.</p><p data-block-key="5h5te"><a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">에스크로가 본인의 모기지 납부금에 미치는 영향</a> 에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="dbo91"><br/><b>Fannie</b> <b>Mae</b></h2><p data-block-key="danun">연방 전국 모기지 협회 (Fannie Mae) 는 저렴한 대출을 보장하기 위해 대출 기관으로부터 모기지를 구매하고 보증합니다. Fannie Mae 는 연방 정부 기관이 아닙니다. 연방주택금융청(FHFA) 산하 정부 지원 기업입니다.</p><p data-block-key="127an"><a href="/owning-a-home/loan-options/conventional-loans/">통상 대출에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="e8u9s"><br/><b>FHA</b> <b>자금 제공 수수료 (FHA funding fee)</b></h2><p data-block-key="5297i">연방주택관리청(FHA)는 대부분의 단일 가족 프로그램에 대해 FHA 기금 수수료와 월 보험료(MIP)를 요구합니다. 이 선불 모기지 보험료는 선불 모기지 보험료(UFMIP)라고도 합니다.</p><p data-block-key="2ifsl"><a href="/owning-a-home/loan-options/fha-loans/">FHA 모기지가 본인에게 알맞은지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="ei66e"><br/><b>FHA</b> <b>모기지 한도 A loan)</b></h2><p data-block-key="biis7">FHA 대출은 연방주택관리청(FHA)이 규제하고 보장하는 민간 대출 기관이 제공하는 대출입니다. FHA 대출은 낮은 신용 점수와 총 대출 금액의 3.5%까지 낮은 계약금을 허용한다는 점에서 통상 대출과 다릅니다. 최대 대출 금액은 카운티마다 다릅니다.</p><p data-block-key="a19h7"><a href="/owning-a-home/loan-options/fha-loans/">이와 기타 모기지 대출 옵션에 대해 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3lmg7"><br/><b>FHA</b> <b>모기지 한도</b> (<b>FHA mortgage limits)</b></h2><p data-block-key="bov2d">FHA 모기지 한도는 FHA가 단독 주택 모기지 프로그램의 일부로 보장하는 적격 모기지에 대한 달러 금액 한도입니다. 이러한 한도는 장소에 따라 결정되며 매년 개정될 수 있습니다.</p><p data-block-key="c9e4i"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">귀하의 카운티 수준 대출 한도를 검색하기 위해 FHA 도구를 사용하십시오</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. <br/><br/><br/></p><hr/><h2 data-block-key="b2ice"><br/><b>금융 수수료 (Finance charge)</b></h2><p data-block-key="2kig4">금융 수수료는 모기지 대출의 전체 기간 동안 지불해야 하는 이자 및 대출 비용의 총액입니다.</p><p data-block-key="6m6fb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="5095s"><br/><b>첫 주택구입자(FTHB) 대출 프로그램 (First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="75lqb">첫 주택구입자(FTHB)는 첫 주택 구매를 위해 여러 유형의 대출을 사용할 수 있습니다. 대중적인 FTHB 대출은 FHA, VA, USDA, Fannie Mae 및 계약금이 낮은 Freddie Mac이 제공하는 프로그램들을 포함합니다. 일부 프로그램은 FTHB를 3년 이상 주택을 구매하지 않은 사람으로 정의합니다.</p><p data-block-key="3b6mt"><a href="/owning-a-home/loan-options/">본인의 대출 옵션을 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="d0udo"><br/><b>고정 금리 모기지 (Fixed-rate mortgage)</b></h2><p data-block-key="au2ff">고정금리 모기지는 대출을 받을 때 정해진 이자율이 대출 기간 동안 변경되지 않는 일종의 주택 융자입니다.</p><p data-block-key="605md"><a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">고정금리 모기지 작용법</a> 과 고려사항에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="dlcpj"><br/><span id="forbearance"></span><b>관용 (Forbearance)</b></h2><p data-block-key="89ua0">관용은 서비스 제공자가 일시적으로 더 낮은 이자율로 모기지 지불을 허용하거나 일시적으로 모기지 지불을 중단하도록 허용하는 것입니다. 예를 들어, 최근 실직했거나 재해를 겪었거나 질병이나 부상으로 인해 의료 비용이 증가한 경우 관리 회사는 관용을 부여할 수 있습니다. 관용은 <a href="#lossmitigation">손실 경감</a> 의 일종입니다.</p><p data-block-key="9quc5"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">모기지 관용에 대해 자세히 알아보십시오</a></p><p data-block-key="fq5aa">가지고 있는 대출의 종류에 따라 관용 옵션이 다를 수 있습니다. 관용을 요청하려면 대출 관리 회사에게 연락해야 합니다. 관용 기간이 끝나면 미지급되거나 감액된 납부금을 보충해야 한다는 것을 기억하십시오.</p><h4 data-block-key="fasto">코로나바이러스의 영향을 받으신 경우</h4><p data-block-key="9hqev"><a href="/coronavirus/mortgage-and-housing-assistance/">모기지 경감에 대한 정보</a> 알아보기. <br/><br/><br/></p><hr/><h2 data-block-key="3igri"><br/><b>강제 부과 보험 (Force-placed insurance)</b></h2><p data-block-key="dtj1o">귀하께서 보험 증권이 없거나 보험 증권이 관리 히사의 요구 사항을 충족하지 않는 경우 관리 회사는 강제 부과 보험을 요구할 수 있습니다. 강제 부과 보험은 일반적으로 귀하가 아닌 대출업체만 보호합니다. 관리 회사는 귀하에게 보험료를 청구할 것입니다. 강제 부과 보험은 일반적으로 본인이 보험 상품을 직접 찾는 것보다 더 비쌉니다. <br/><br/><br/></p><hr/><h2 data-block-key="5ibp7"><br/><b>부동산 압류 (Foreclosure)</b></h2><p data-block-key="f8oqu">부동산 압류는 주택 소유자가 모기지 납부금을 지불하지 못하는 경우 대출업체나 관리 회사가 부동산을 회수하는 것입니다. 일부 주에서는 부동산 압류를 위해 대출업체가 법원에 출두해야 하지만(사법 압류) 다른 주에서는 법원 절차가 필요하지 않습니다(비사법 압류). 일반적으로 대출업체나 관리 회사가 압류 절차를 개시하면 채무자에게 통지해야 합니다. 부동산 압류 개시 시점에 연방 규칙이 적용될 수 있습니다.</p><p data-block-key="6perb">부동산 압류가 우려되시는 경우, <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">도움을 받을 수 있는 법에 대해 알아보십시오</a>.</p><h4 data-block-key="5q85t">코로나바이러스의 영향을 받으신 경우</h4><p data-block-key="b9s38"><a href="/coronavirus/mortgage-and-housing-assistance/">모기지 경감에 대한 정보</a> 알아보기. <br/><br/><br/></p><hr/><h2 data-block-key="2gftk"><br/><b>Freddie</b> <b>Mac</b></h2><p data-block-key="694b2">연방 주택 대출 모기지 회사(Freddie Mac) 는 의회가 설립한 민간 기업입니다. 본 조직의 임무는 은행 및 기타 대출 기관으로부터 모기지를 구매하여 주택 시장의 안정성과 경제성을 촉진하는 것입니다. 이 회사는 현재 연방주택금융청(FHFA)의 지시에 따라 관리 제도 하에 있습니다.</p><p data-block-key="67g0i"><a href="/owning-a-home/loan-options/conventional-loans/">통상 대출에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="9jb3k"><br/><b>선의의 견적서 (Good Faith Estimate)</b></h2><p data-block-key="2jkfq">선의의 견적서(GFE)는 귀하가 역모기지를 신청할 때 대출 업체가 귀하에게 제공해야 하는 양식입니다. GFE에는 역모기지 대출 제안 조건에 대한 기본 정보가 나열되어 있습니다.</p><p data-block-key="1gges">본인이 언제 <a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">선의의 견적서</a> 를 받게 되는지 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="dft9r"><br/><b>정부 기록 수수료 (Government recording charges)</b></h2><p data-block-key="cbams">정부 기록 수수료는 주택 융자와 관련된 증서, 모기지 및 문서를 합법적으로 기록하기 위해 주 및 지방 정부 기관에서 부과하는 수수료입니다.</p><p data-block-key="48p15"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="brafs"><br/><b>고가 모기지 대출 (Higher-priced mortgage loan)</b></h2><p data-block-key="6bisd">일반적으로 고가 모기지 대출은 연이율 또는 APR이 평균 우대 제공 금리라고 불리는 벤치마크 금리보다 높은 대출입니다. <a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="ehqgc"><br/><b>HOA</b> <b>회비 (HOA dues)</b></h2><p data-block-key="bbl98">콘도, 공동 주택 또는 계획된 단지 또는 공용 서비스가 있는 기타 조직화된 지역사회의 주택 구입에 관심이 있는 경우 일반적으로 콘도 요금 또는 주택 소유자 협회(HOA) 회비를 지불해야 합니다. 본 요금은 매우 다양합니다. 콘도 또는 HOA 회비는 일반적으로 월간 모기지 납부금과 별도로 지불됩니다. 이러한 요금을 지불하지 않으면 주택 소유자 협회의 채권 추심업과 심지어 압류에 직면할 수 있습니다.</p><p data-block-key="8bfrs"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="7onup"><br/><b>주택 감정서 (Home appraisal)</b></h2><p data-block-key="duu07">감정서는 부동산의 가치가 얼마인지에 대한 의견을 보여주는 서면 문서입니다. 감정서는 해당 부동산에 대한 유용한 정보를 제공합니다. 부동산의 가치를 설명하고 이웃에 있는 다른 부동산과 비교하는 방법을 보여줄 수 있습니다. 감정서는 부동산의 가치에 대한 독립적인 평가입니다.</p><p data-block-key="aj7bi"><a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">감정서가 중요한 이유</a> 에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="87h2l"><br/><b>주택 지분 한도 대출 (HELOC) (Home equity line of credit (HELOC))</b></h2><p data-block-key="c910e">주택 지분 한도 대출(HELOC)은 본인의 주택 지분에 대해 대출을 허용하는 한도 대출입니다. 지분은 귀하의 부동산의 현 가치에서 부동산의 모기지 금액을 뺀 금액입니다. 주택 지분 대출과 다르게 HELOC은 이자율이 변동 이자율입니다. 대부분의 HELOC의 경우, 특수 수표 또는 신용 카드를 받게 될 것이며 계정 개설 후 특정한 기간 동안 돈을 빌릴 수 있습니다. 이 기간은 “인출 기간”으로 알려져 있습니다. “인출 기간” 동안 돈을 빌릴 수 있으며 최소 지불액을 납부해야 합니다. “인출 기간” 종료 후, 더 이상 한도 대출에서 돈을 빌릴 수 없습니다. “인출 기간” 종료 후, 잔금을 일시금으로 지불해야 하거나 특정 기간 동안 상환이 허용될 수 있습니다. HELOC 을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. <br/><br/><br/></p><hr/><h2 data-block-key="2vb4g"><br/><b>주택 지분 대출 (Home equity loan)</b></h2><p data-block-key="81hct">주택 지분 대출 (HEL이라고 불림) 을 통해 귀하의 주택 지분을 담보로 돈을 빌릴 수 있습니다. 지분은 귀하의 부동산의 현 가치에서 부동산에 존재하는 모기지의 금액을 뺀 금액입니다. 주택 지분 대출금은 일시불로 받게 됩니다. 주택 지분 대출은 대개 바뀌지 않는 고정 금리입니다. HEL을 상환할 수 없는 경우, 대출업체는 본인의 주택을 압류할 수 있습니다. <br/><br/><br/></p><hr/><h2 data-block-key="37e5v"><br/><b>주택 상태 점검 (Home inspection)</b></h2><p data-block-key="114cn">주택 상태 점검은 종종 주택 구매 과정의 일부입니다. 일반적으로 본인은 주택 검사관을 고용하여 부동산을 검사하고 강점과 약점을 지적받을 권리가 있습니다. 이는 종종 난방, 환기, 에어컨 및 전기를 포함한 가정의 구조 및 기계 시스템을 검사하는 데 특히 유용합니다.</p><p data-block-key="agpj"><a href="/owning-a-home/close/schedule-home-inspection/">점검을 예약하는 방법을 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="b6i"><br/><b>주택 소유자 협회 (HOA) (Homeowners’ Association (HOA))</b></h2><p data-block-key="flpa0">주택 소유자 협회(HOA)는 일반적으로 계획된 단지 또는 기타 조직화된 지역사회의 조경 및 기타 유지 관리비와 같은 공유 비용을 관리하기 위해 형성된 것입니다. 콘도미니엄 HOA는 예를 들어 진입로, 공유 구조물 및 지붕 유지 관리를 포함하여 더 많은 책임을 집니다.</p><p data-block-key="bo9ij"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">본인의 모기지 내역서에 HOA가 어떻게 표시될지에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="aj231"><br/><b>주택 소유자 보험 (Homeowner's insurance)</b></h2><p data-block-key="17htv">주택 소유자 보험은 화재나 절도와 같이 예상치 못한 일이 발생하는 경우 재산 손실과 손해를 배상합니다. 모기지가 있는 경우, 귀하의 대출 업체는 재산이 보험에 의해 보호되고 있는지 확인하려고 할 것입니다. 그러므로 대출 업체들은 일반적으로 주택 소유자 보험의 유무에 대해 증거를 요구합니다. 주택 소유자 보험은 <a href="#mortgageinsurance">모기지 보험</a> 과 다릅니다.</p><p data-block-key="4t9m4"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="d59rn"><br/><b>주택 구매 가격 (Home purchase price)</b></h2><p data-block-key="a39fv">주택 구입 가격은 집을 구입하기 위해 판매자에게 지불하기로 한 구매자와 판매자가 합의한 금액입니다.</p><p data-block-key="bu0rg"><a href="/owning-a-home/explore/find-right-home/">알맞은 주택을 찾는 것에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="20ub7"><br/><b>HUD</b></h2><p data-block-key="32dlp">주택 도시 개발부(HUD)는 국민들이 양질의 주택을 확보하고 유지하도록 돕는 정부 기관입니다. 해당 기관은 전국에 걸쳐 주택 상담사를 교육하고 지원합니다. HUD 승인 주택 상담 기관은 주택 구매 상담을 제공하고 귀하의 선택권을 이해하고 평가하는 것을 도울 수 있습니다.</p><p data-block-key="dbe2i"><a href="/find-a-housing-counselor/">HUD 승인 주택 상담 기관을 찾으십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6m1r5"><br/><b>HUD-1</b> <b>매매 종결 내역서 (HUD-1 settlement statement)</b></h2><p data-block-key="b51v2">HUD-1 매매 종결 내역서에는 부동산 합의에서 구매자와 판매자에 대한 모든 비용과 크레딧 또는 모기지 차환에 대한 모든 비용이 나열되어 있습니다. 역 모기지를 신청하거나 2015년 10월 3일 또는 그 이전에 모기지를 신청한 경우 HUD-1을 받습니다.</p><p data-block-key="6e65u">언제 <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1</a> 을 받게 될지 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="86dfd"><br/><b>지수 (Index)</b></h2><p data-block-key="6bf3">지수는 일반적인 시장 상황을 반영하는 기준 금리입니다. 지수는 시장에 따라 변합니다. 대출 마진과 함께 지수의 변동은 변동 금리 모기지 대출의 이자율 변동을 결정합니다.</p><p data-block-key="bkmce"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">변동 금리 모기지 대출에서 지수가 이자율에 어떤 영향</a> 을 미치는지 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="f2rf3"><br/><b>초기 변동 상한 (Initial adjustment cap)</b></h2><p data-block-key="5qlin">초기 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 관련이 있습니다. 본 상한선은 고정 금리 기간이 만료된 후 첫 변동이 일어날 때 금리가 얼마나 증가할 수 있는지를 결정합니다. 본 상한선은 일반적으로 2% 또는 5%로 즉 첫 금리 변경 시 새로운 금리는 고정 금리 기간 동안 초기 금리보다 2(또는 5)% 포인트를 초과할 수 없음을 의미합니다.</p><p data-block-key="n6hc"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">변동 금리 모기지 대출에 지수가 어떤 영향을 미치는지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="b99mu"><br/><b>최초 에스크로 예치금 (Initial escrow deposit)</b></h2><p data-block-key="41dv6">최초 에스크로 예치금은 대출 업체에서 요구하는 경우 에스크로 계정을 시작하기 위해 클로징 시 지불하는 금액입니다.</p><p data-block-key="5cjuc"><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="3vs5l"><br/><b>거치식 일시 상환 대출 (Interest-only loan)</b></h2><p data-block-key="d1doj">거치식 일시 상환 모기지는 지정된 기간 동안 이자만 지불하면 되는 예정 상환 대출입니다.</p><p data-block-key="fbv50"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="7mgf9"><br/><b>이자율 (Interest rate)</b></h2><p data-block-key="fr3nl">모기지 대출의 이자율은 돈을 빌리기 위해 매년 지불하는 비용을 퍼센트로 표현한 것입니다. 이는 대출에 대해 지불해야 하는 수수료 또는 이외 부과금을 반영하지 않습니다. 예를 들어, 모기지 대출이 $10만이며 이자율이 4%인 경우, 소비자는 전액을 빌리거나 빚진 매년에 대해 $4천을 내는 것에 동의한 것입니다.</p><p data-block-key="co44l"><a href="/owning-a-home/explore-rates/">귀하의 지역에 이자율을 탐색해 보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="btkkc"><br/><b>금리 상한 (Interest rate cap)</b></h2><p data-block-key="f13id">연간 상한선이라고도 하는 금리 상한은 심지어 시장 금리보다 더 오를지라도 변동 금리 모기지(ARM)에 대해 매년 발생할 수 있는 최고 금리 인상입니다. 예를 들어 본 상한이 2%인 경우 새 이율은 이전 이율보다 2% 포인트를 초과하여 인상될 수 없습니다.</p><p data-block-key="cjod5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">대출 업체들이 어떻게 지수와 마진을 사용하여 귀하의 금리를 조정하는지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="4idtj"><br/><b>한도초과 대출 (Jumbo loan)</b></h2><p data-block-key="550lv">매년 Fannie Mae, Freddie Mac 및 해당 규제당국인 연방주택금융청(FHFA)은 대출 업체로부터 구매할 대출에 대해 최대 금액을 설정합니다.</p><p data-block-key="covi"><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="a8d5k"><br/><b>대출 업체의 소유권 보증보험 (Lenders title insurance)</b></h2><p data-block-key="61afn">대출 업체의 소유권 보증보험은 해당 주택에 대한 법적 청구권을 가진 이들과 같이 부동산의 소유권 문제와 관련하여 대출 업체를 보호합니다. 대출 업체의 소유권 보증보험은 오직 소유권 문제와 관련하여 대출 업체를 보호합니다. 자신을 보호하려는 경우, 소유자 소유권 보험에 가입할 수 있습니다.</p><p data-block-key="63gl"><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="15coj"><br/><b>생애 변동 상한 (Lifetime adjustment cap)</b></h2><p data-block-key="fp6a3">생애 변동 상한은 일반적으로 변동 금리 모기지(ARM)와 함께 사용됩니다. 본 상한은 대출 기간 동안 금리가 얼마나 증가할 수 있는지를 결정합니다. 예를 들어, 해당 상한이 5%인 경우 이율이 초기 이율보다 5% 포인트 이상을 초과할 수 없음을 의미합니다. 일부 대출 업체는 상한선이 다르거나 더 높을 수 있습니다.</p><p data-block-key="3rov4"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">변동 금리 모기지에 지수가 어떤 영향을 미치는지 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="dqvbo"><br/><b>대출 인수 (Loan assumption)</b></h2><p data-block-key="7rv1l">대출 인수는 구매자가 판매자의 주택을 구매하면서 판매자의 모기지를 인수하는 경우 발생합니다. 구매자는 판매자의 모기지에 남아 있는 채무 잔액을 원래의 대출 조건에 따라 인수하게 됩니다. 즉, 이자율 및 남은 대출 기간 등이 동일하게 유지됩니다. 대출 인수는 판매자가 처음 모기지를 받았을 때와 비교하여 현재 신규 모기지의 이자율이 더 높은 경우 재정적으로 합리적인 선택일 수 있습니다.</p><p data-block-key="8re2l">주택 판매 가격과 인수하게 될 대출 잔액의 차액은 구매자가 현금으로 지불하거나 자체적으로 모기지 대출을 받아 지불할 수 있습니다.</p><p data-block-key="5sq9o">모기지를 인수하기 위해서는 주택 구매자가 대출 인수를 위한 자격을 갖추어야 합니다. 자격을 얻기 위해서는 구매자의 신용과 소득을 검토하는 것이 일반적이며, 이는 신규 모기지 자격을 얻는 것과 유사합니다.</p><p data-block-key="bltlg">대출 인수는 사망 또는 이혼과 같이 모기지가 있는 부동산에 대한 소유권을 받는 경우에도 적용될 수 있습니다.</p><p data-block-key="4m76n"><br/></p><hr/><h2 data-block-key="9vcd1"><br/><b>대출 유예 (Loan deferment)</b></h2><p data-block-key="7b8so">모기지 상환에 어려움을 겪고 있는 채무자는 일반적으로 모기지 서비스 회사에 도움을 요청할 권리가 있습니다. 서비스 회사는 대출 유예에 동의할 수 있으며, 이는 채무자가 연체된 모기지 상환금 납부를 연기함으로써 부동산 압류를 피할 수 있도록 해줍니다. 유예된 금액은 채무자가 대출을 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때 지급해야 합니다.<br/><br/></p><hr/><h2 data-block-key="761kh"><br/><b>대출 견적서 (Loan estimate)</b></h2><p data-block-key="4j5nq">대출 견적서는 모기지 신청 후 받게 되는 3장의 양식입니다.</p><p data-block-key="1aj73"><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="bg61l"><br/><b>대출 조건 조정 (Loan modification)</b></h2><p data-block-key="knj7">모기지 대출 조건 조정은 대출 조건의 변경입니다. 조건 조정은 <a href="#lossmitigation">손실 경감</a>의 일종입니다. 조건 조정을 통해 월 납부금을 감당할 수 있는 금액으로 줄일 수 있습니다. 조건 조정은 대출 상환 기간 연장, 이자율 인하 및/또는 원금 잔액의 관용 또는 감액을 포함할 수 있습니다. 대출 조건 조정 제안을 받은 경우, 월 납부금과 단기 및 장기적으로 빚의 총액이 어떻게 변하는지 확실히 하십시오.</p><p data-block-key="6pmmb"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">모기지 대출 조건 조정에 대해 자세히 알아보십시오</a></p><h4 data-block-key="4djm0">코로나바이러스의 영향을 받으신 경우</h4><p data-block-key="4grs6"><a href="/coronavirus/mortgage-and-housing-assistance/">모기지 경감에 대한 정보</a> 자세히 알아보기. <br/><br/><br/></p><hr/><h2 data-block-key="6fnau"><br/><b>자산가치 대비 융자 금액 비율 (Loan-to-value ratio)</b></h2><p data-block-key="g1i8">자산가치 대비 융자 금액 비율(LTV)은 모기지 금액과 부동산 감정 가치를 비교하는 척도입니다. 계약금을 많이 낼수록 LTV 비율은 낮아집니다. 모기지 대출 업체는 대출 여부를 결정하고 개인 모기지 보험이 필요한지 여부를 결정하는 데 LTV를 사용할 수 있습니다.</p><p data-block-key="72ubv"><a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">자산가치 대비 융자 금액 비율이 어떻게 귀하의 비용과 관련이 있는지</a> 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="fv3cg"><br/><span id="lossmitigation"><b>마진 경감 (Loss mitigation)</b></span></h2><p data-block-key="ebamj">손실 경감이란 채무자가 부동산 압류를 피하기 위해 모기지 관리 회사와 채무자가 협력하여 취하는 단계를 말합니다. 손실 경감은 부동산 압류로 인해 발생할 수 있는 투자자의 손실을 줄이거나 “경감”해야 하는 관리 회사의 책임을 말합니다. 특정 손실 경감 옵션들은 주택을 유지하는 데 도움이 될 수 있습니다. 다른 옵션들은 부동산 압류를 거치지 않고 주택을 떠나는 데 도움이 될 수 있습니다. 손실 경감은 <a href="#deed-in-lieu-of-foreclosure">유질처분과 관련한 양도증서</a>, <a href="#forbearance">관용</a>, <a href="#repaymentplan">상환 제도</a>, <a href="#shortsale">공매도</a>, 또는 <a href="#loanmodification">대출 조건 조정</a> 을 포함할 수 있습니다.</p><p data-block-key="ch742">모기지 납부금을 지불하는 데 어려움을 겪고 있거나 다양한 손실 경감 옵션을 제안받았고 고려하고 있는 경우 주택 및 도시 개발부(HUD) 승인 주택 상담 기관에 문의하십시오.</p><p data-block-key="51p82">CFPB의 <a href="/find-a-housing-counselor/">“Find a Counselor”</a>(상담사 찾기) 도구를 사용하여 귀하의 지역에 HUD 승인을 받은 주택 상담 기관 명단을 받을 수 있습니다. 또한 24시간 주7일 운영하는 <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">HOPE™ 문의 전화</a> 에 (888) 995-HOPE (4673)으로 전화하실 수 있습니다.</p><h4 data-block-key="4ub0d">코로나바이러스의 영향을 받으신 경우</h4><p data-block-key="akjsb"><a href="/coronavirus/mortgage-and-housing-assistance/">모기지 경감에 대한 정보</a> 자세히 알아보기. <br/><br/><br/></p><hr/><h2 data-block-key="31g0c"><br/><b>마진</b> (<b>Margin)</b></h2><p data-block-key="8qbqd">마진은 초기 이자율 기간이 종료된 후 변동 금리 모기지(ARM)에 대한 이자율을 설정하기 위해 모기지 대출 기관이 지수에 추가하는 백분율 포인트 수입니다. 마진은 대출 계약에 설정되어 있으며 마감 후에도 변경되지 않습니다. 마진 금액은 특정 대출 업 및 대출에 따라 다릅니다.</p><p data-block-key="3579s"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">변동 금리 모기지 대출에 마진이 어떤 영향을 미치는지</a> 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="djnua"><br/><b>월간 지출액 (Monthly expenses)</b></h2><p data-block-key="f9nbb">매달 지출하는 금액입니다. 여기에는 임대료 또는 모기지 납부금, 공과금, 자동차 할부금, 자녀 양육비 및 보험료와 같이 반복되는 의무금뿐만 아니라 음식과 같은 필수품이 포함될 수 있지만 이에 국한되지 않습니다. 대부분의 이러한 의무금은 기한이 정해져 있습니다.</p><p data-block-key="8gm4c"><a href="/owning-a-home/prepare/assess-your-spending/">이 지출 추적기로 귀하의 월별 지출을 평가하십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="bk83f"><br/><b>모기지 (Mortgage)</b></h2><p data-block-key="90b1d">모기지는 주택을 구매하거나 차환하기 위해 돈을 빌리는 것을 허용하고 빌린 돈을 갚지 못할 경우 대출 업체가 귀하의 부동산을 소유할 수 있는 권리를 부여하는 귀하와 대출 업체 간의 계약입니다.</p><p data-block-key="mimi">모기지를 받을 준비가 되셨다면, <a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">주택 구매에 대해 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6b1rq"><br/><b>모기지 클로징 점검표 (Mortgage closing checklist)</b></h2><p data-block-key="791lg">모기지 클로징 점검표는 예상되는 사항을 준비하고 학습하는 데 사용할 수 있는 단계들이 적힌 목록입니다. 자신 있게 클로징을 진행할 수 있도록 미리 물어볼 주요 질문을 식별하는 데 도움이 될 수 있습니다.</p><p data-block-key="3u59k"><a href="/owning-a-home/close/">클로징 대비를 위해 본 작업표를 사용하십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="fis1u"><br/><b>모기지 클로징 비용 (Mortgage closing costs)</b></h2><p data-block-key="l37m">모기지 클로징 비용은 클로징 시 지불하게 될 모든 비용입니다. 이에는 개시 수수료, 감정 수수료, 신용 보고 비용, 소유권 보험 수수료 및 대출 기관이 요구하거나 부동산 모기지 거래의 일부로 지불하는 기타 수수료가 포함됩니다. 대출 업체는 <a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/">대출 견적서</a>에 이러한 비용의 요약을 제공하여야 합니다.</p><p data-block-key="92l6j"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">클로징 때 무슨 일이 일어나는지 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="8ek2q"><br/><span id="mortgageinsurance"><b>모기지 보험 (Mortgage insurance)</b></span></h2><p data-block-key="f6bev">모기지 보험은 지불이 연체될 경우 대출 업체를 보호합니다. 일반적으로 계약금이 부동산 가치의 20% 미만인 경우 모기지 보험이 의무화됩니다. 모기지 보험은 일반적으로 FHA 및 USDA 대출에도 필요합니다. 그러나 통상 대출이 있으며 계약금이 20% 미만인 경우에는 개인 모기지 보험(PMI)에 가입해야 할 확률이 높습니다.</p><p data-block-key="bmtrm"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">모기지 보험 작용법에 대해 알아보십시오</a> <br/><br/><br/></p><hr/><h2 data-block-key="fulh8"><br/><b>모기지 대출 조건 조정 (Mortgage loan modification)</b></h2><p data-block-key="9u45v">모기지 대출 조건 조정은 대출 조건의 변경입니다. 본 조건 조정은 손실 경감의 일종입니다.</p><p data-block-key="6oe8h"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="5gm32"><br/><b>모기지 차환 (Mortgage refinance)</b></h2><p data-block-key="ar4qv">모기지 차환은 기존 대출을 상환하고 대체하기 위해 새로운 대출을 받는 것입니다. 차환을 하는 일반적인 이유는 월 이자율을 낮추거나 모기지 납부금을 낮추거나 추가 자금을 빌리기 위함입니다. 차환 시 일반적으로 클로징 비용과 수수료를 지불해야 합니다. 차환 후 월 납부금이 낮아지는 경우 낮아진 금액의 얼마가 감소한 이자율에 인한 것인지, 얼마가 대출 기간이 길어져서 낮아진 것인지 이해해야 합니다.</p><ul><li data-block-key="hsps"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_should_i_refinance_handout.pdf"><span class="a-link_text">차환해야 할까요?</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="b1nue"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">모기지 차환에 대한 소비자 안내</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="61ng7"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf"><span class="a-link_text">귀하의 주택 융자 도구 키트</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="6dp0n"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf"><span class="a-link_text">변동 금리 모기지에 대한 소비자 안내 책자</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> <br/><br/><br/></li></ul><hr/><h2 data-block-key="75hi7"><br/><b>모기지 기간 (Mortgage term)</b></h2><p data-block-key="2vpmc">모기지 대출 기간은 대출금을 상환해야 하는 기간입니다. 대부분의 주택 유형의 모기지 기간은 일반적으로 15년, 20년 또는 30년입니다.</p><p data-block-key="10qa"><a href="/owning-a-home/loan-options/">대출 기간 옵션을 탐색해 보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="10dt2"><br/><b>개시 업무 수수료 (Origination Fee)</b></h2><p data-block-key="78l5u">개시 업무 수수료는 대출 기관이 채무자에게 모기지 대출을 받는 데 부과하는 수수료입니다. 개시 업무 수수료에는 신청서 처리, 대출 인수 및 자금 조달, 기타 행정 서비스가 포함될 수 있습니다. 일반적으로 개시 업무 수수료는 특정 상황에서만 증액될 수 있습니다.</p><p data-block-key="aid3o"><a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">모기지 개시 비용</a> 에 대해 자세히 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="9ajfh"><br/><b>소유자 소유권 보증보험 (Owner's title insurance)</b></h2><p data-block-key="8iier">소유자 소유권 보증보험은 누군가 소송을 제기하여 주택 소유자가 주택을 구매하기 전 주택에 대한 청구가 있다고 주장하는 경우 주택 소유자를 보호합니다.</p><p data-block-key="7d4q6"><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="db765"><br/><b>PACE</b> <b>융자 (Pace financing)</b></h2><p data-block-key="ajber">PACE 융자는 주택의 에너지 효율 개선을 위한 자금 조달 방법을 제공합니다.</p><p data-block-key="3m426"><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">(영어로) 추가 정보 읽기</a> <br/></p><hr/><h2 data-block-key="ccktm"><br/><b>분 청구 (Partial claim)</b></h2><p data-block-key="6br6l">부분 청구는 어려움을 겪고 있는 주택 소유자가 부동산 압류를 피할 수 있도록 모기지 보험을 사용하는 방법입니다. 모기지 서비스 회사는 연체된 모기지 상환금을 모기지 보험에 청구하고, 보험사는 해당 금액을 별도의 계좌에 보관합니다. 그런 다음, 채무자가 모기지를 재융자하거나 주택을 팔거나 또는 모기지를 기타 방식으로 종료할 때, 부분 청구된 금액이 모기지 서비스 회사로 지급됩니다. 때로는 부분 청구 금액으로 연체된 상환금 전액을 충당하지 못하며, 이러한 경우에는 채무자가 차액을 지불해야 합니다.<br/><br/><br/></p><hr/><h2 data-block-key="8l0ck"><br/><b>상환액 (Payoff amount)</b></h2><p data-block-key="3sc4f">상환액은 모기지 대출 조건을 충족하고 부채를 완전히 갚기 위해 실제로 지불해야 하는 금액입니다. 상환액은 현재 잔액과 다릅니다. 현재 잔액은 대출금을 완전히 충족시키기 위해 실제로 지불해야 하는 금액을 반영하지 않을 수 있습니다. 상환액은 대출금 상환일까지 지불해야 하는 이자 금액도 포함합니다. 상환액은 발생하였지만 아직 지불하지 않은 기타 수수료도 포함할 수 있습니다. <br/><br/><br/></p><hr/><h2 data-block-key="80umt"><br/><b>PCS</b> <b>명령 (PCS orders)</b></h2><p data-block-key="53mee">현역 군인은 영구 주둔지 전출(PCS) 명령을 받을 수 있습니다. PCS 명령은 군인(및 그와 함께 사는 모든 가족)을 다른 임무 위치로 공식 이전하는 것입니다. 군인이 주택을 소유하고 있는 경우 주택 판매를 선택할 수도 있습니다. 군인이 주택의 가치보다 주택에 대한 빚이 더 높은 경우 집 판매에 어려움을 겪을 수 있습니다. 일부 관리 회사는 군인이 주택을 팔고 나머지 대출 잔액을 상환할 필요가 없도록 하는 프로그램을 제공합니다. 추가 정보는 <a href="/consumer-tools/military-financial-lifecycle/">군인 자원</a> 을 방문하십시오. <br/><br/><br/></p><hr/><h2 data-block-key="1kuvi"><br/><b>PITI</b></h2><p data-block-key="9l01f">원금, 이자, 세금 및 보험은 PITI로도 알려져 있으며 월간 모기지 납부금의 기본 요소들입니다.</p><p data-block-key="5ps5g"><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="uibd"><br/><b>PMI</b></h2><p data-block-key="6ufa5">개인 모기지 보험(PMI)은 대출 업체에게 이득이 되는 모기지 보험을 일종입니다. 계약금이 부동산 가치의 20% 미만이고 통상 대출을 받은 경우 PMI를 지불해야 할 수도 있습니다. 주택에 일정 지분이 축적되면 PMI를 취소할 수 있을 수 있습니다.</p><p data-block-key="26mqd"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="/ask-cfpb/what-is-private-mortgage-insurance-en-122/">PMI가 언제 필요한지에 대해 자세히 알아보십시오</a> <br/><br/><br/></p><hr/><h2 data-block-key="9n6ns"><br/><b>선급 이자 비용 (Prepaid interest charges)</b></h2><p data-block-key="65b9j">선급 이자 비용은 모기지 대출 클로징 날과 첫 번째 월간 모기지 상환 기간 사이에 발생하는 일간 이자에 대해 클로징 시 내야 하는 요금입니다.</p><p data-block-key="6q97p"><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">(영어로) 추가 정보 읽기</a><br/><br/><br/></p><hr/><h2 data-block-key="emhq"><br/><b>선납 벌금 (Prepayment penalty)</b></h2><p data-block-key="4840c">선납 벌금은 모기지의 전부 또는 일부를 조기에 상환할 경우 일부 대출 업체에서 부과하는 수수료입니다. 선납 벌금이 있는 경우, 주택에 대해 클로징 시 이에 동의하셨을 것입니다. 모든 모기지에 선납 벌금이 있는 것은 아닙니다. <br/><br/><br/></p><hr/><h2 data-block-key="6kcds"><br/><b>원금 (Principal)</b></h2><p data-block-key="duar6">원금은 갚아야 할 모기지 대출의 금액입니다. 귀하의 월 납부금에는 해당 원금의 일부가 포함됩니다. 원금 상환이 이루어지면 채무자는 더 적은 빚을 지며, 더 낮은 대출 규모에 따라 더 적은 이자를 지불하게 됩니다.</p><p data-block-key="33bgr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">이자율과 원금의 차이에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="31o9b"><br/><b>부동산 재산세 (Property taxes)</b></h2><p data-block-key="1sm3i">부동산 재산세는 과세되는 부동산의 가치를 기준으로 지방 관할 구역, 일반적으로 카운티 수준에서 부과되는 세금입니다. 종종 부동산 재산세는 주택 소유자의 월 모기지 납부금 내에서 징수된 다음 매년 한 번 이상 관련 관할 구역에 지불됩니다. 이것을 에스크로 계좌라고 합니다. 대출에 에스크로 계좌가 없으면 집주인이 재산세를 직접 지불해야 합니다.</p><p data-block-key="8q7am"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="e6ftj"><br/><b>적격 모기지 (Qualified mortgage)</b></h2><p data-block-key="97qkb">적격 모기지는 대출을 더 잘 감당할 수 있도록 도움이 되는 확실하고 보다 안정적인 기능이 있는 대출의 카테고리입니다.</p><p data-block-key="6nkak"><a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="c3q92"><br/><b>적격 서면 요청서 (QWR) (Qualified Written Request (QWR))</b></h2><p data-block-key="41p49">적격 서면 요청서 또는 QWR은 귀하 또는 귀하를 대신하는 사람이 귀하의 모기지 관리 회사에게 보낼 수 있는 서면 서신입니다. QWR 대신 서비스 제공자에게 오류 통지 또는 정보 요청서를 보낼 수도 있습니다.</p><p data-block-key="6kmc2"><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="5s1q1"><br/><span id="repaymentplan"></span><b>상환 제도 (Repayment plan)</b></h2><p data-block-key="bt6lf">상환 제도는 일정 기간 동안 내지 못한 모기지 대출 납부금을 보충하기 위해 구조화된 방법입니다. 이는 <a href="#lossmitigation">손실 경감</a> 의 일종입니다. 모기지 납부금을 지불하는 데 어려움을 겪고 계신 경우, 귀하의 대출 업체 또는 관리 회사는 <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">상환 제도</a> 를 허용할 수도 있습니다. 상환 제도를 시작하기 전에, 해당 제도의 요건과 새로운 납부금의 지불 여부를 이해하였는지 확실히 하십시오. <br/><br/><br/></p><hr/><h2 data-block-key="2q365"><br/><b>역모기지 (Reverse mortgage)</b></h2><p data-block-key="6v0ti">역모기지는 62세 이상의 주택 소유자가 주택 자산을 담보로 대출을 받을 수 있도록 허용합니다. 대출 업체에 납부금을 지불하는 대신 대출 업체로부터 돈을 받기 때문에 “역”모기지라고 부릅니다. 귀하께서 받는 돈과 대출에 부과되는 이자는 매달 귀하의 대출 잔액을 증액시킵니다. 대부분 오늘날의 역모기지는 HECM이라고 부르며 이는 주택 지분 전환 모기지의 약자입니다.</p><p data-block-key="8dsk6"><a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/">역모기지 신청 전 무엇을 고려</a> 해야 하는지 알아보십시오. <br/><br/><br/></p><hr/><h2 data-block-key="9i1mr"><br/><b>해제권 (Right of rescission)</b></h2><p data-block-key="bsnjs">해제권은 소비자가 특정 유형의 대출을 취소할 수 있는 권리를 말합니다. 모기지로 주택을 구입하는 경우, 클로징 문서에 서명한 후에는 대출을 취소할 수 있는 권리가 없습니다. 그러나 모기지를 차환하는 경우, 거래 후 세 번째 영업일 자정까지 모기지 계약을 철회(취소)할 수 있습니다. 본 3일 기간은 귀하께서 신용 계약(일반적으로 약속 어음이라 불림)을 서명하고 <a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/">진실 대출 공시</a> 양식을 받고, 철회 권리를 설명하는 통지 사본 2부를 받을 때까지는 시작되지 않습니다. <br/><br/><br/></p><hr/><h2 data-block-key="75k4h"><br/><b>두번째 모기지 (Second mortgage)</b></h2><p data-block-key="acvbu">두번째 모기지 또는 후순위 유치권은 주택을 담보로 제공받은 대출이 있는 동안 집을 담보로 사용하여 또 다른 대출을 받는 것입니다.</p><p data-block-key="27t36"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">두번째 모기지에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="8eqae"><br/><b>담보권 (Security interest)</b></h2><p data-block-key="d62kv">담보권은 귀하께서 빌린 돈을 갚지 않을 경우 대출업체가 부동산을 압류할 수 있게 합니다.</p><p data-block-key="8tlon"><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="fg20l"><br/><b>판매자 융자 (Seller financing)</b></h2><p data-block-key="bupg7">판매자 융자는 주택 판매자가 귀하에게 제공하는 대출입니다.</p><p data-block-key="528fh"><a>(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="fabej"><br/><b>관리 회사 (Servicer)</b></h2><p data-block-key="8bsm2">모기지 관리 회사는 모기지 명세서를 보내는 회사입니다. 관리 회사는 또한 대출 관리의 일상 업무도 다룹니다.</p><p data-block-key="9nk2e">귀하의 대출 관리 회사는 일반적으로 귀하의 대출 지불을 처리하고, 채무자 문의에 응답하고, 지급된 원금과 이자를 추적하며 귀하의 <a href="#escrow">에스크로 계좌</a> (있는 경우)를 관리합니다. 대출 관리 회사는 특정 상황에서 부동산 압류를 개시할 수 있습니다. 귀하의 관리 회사는 귀하께 원 대출을 제공한 회사일 수도 있고 아닐 수도 있습니다. <br/><br/><br/></p><hr/><h2 data-block-key="4t9ga"><br/><b>자본 이득 공유 모기지 (Shared appreciation mortgage)</b></h2><p data-block-key="3q4s1">자본 이득 공유 모기지에서 귀하는 주택 가치 상승분의 일부를 대출 업체에 제공하는 데 동의하게 됩니다.</p><p data-block-key="3ub3i"><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="75ioi"><br/><span id="shortsale"></span><b>공매도 (Short sale)</b></h2><p data-block-key="5ntot">공매도는 모기지 대출에 빚진 금액보다 적은 금액으로 주택을 판매하는 것입니다. 공매도는 부동산 압류에 대한 대안이지만, 매도이기 때문에 집을 떠나야 합니다. 귀하의 대출 업체나 관리 회사가 공매도에 동의한다면, 주택 판매 가격이나 수익금이 모기지 잔액보다 적더라도 주택을 팔아 모기지를 갚을 수도 있습니다. 공매도는 <a href="#lossmitigation">손실 경감</a>의 일종입니다. 재산 가치와 모기지 대출에 남아 있는 금액 간의 차액인 부족분에 대한 본인이 책임을 지는 주에 거주하는 경우, 대출업체에 부족분을 면제해 달라고 요청하는 것이 좋습니다. 대출업체가 부족분을 면제해주는 경우, 면제서를 서면으로 받아 기록용으로 보관하십시오. <br/><br/><br/></p><hr/><h2 data-block-key="ak25p"><br/><b>서브프라임 모기지 (Subprime mortgage)</b></h2><p data-block-key="cc430">대출 업체에서 이 용어를 사용할 때는 일반적으로 우대 대출 자격이 없는 채무자를 위한 대출 프로그램을 의미하며 종종 더 높은 이자율이 적용됩니다.</p><p data-block-key="8njkb"><a href="/owning-a-home/">주택 구매 과정에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="9h1hf"><br/><b>측량도 (Survey)</b></h2><p data-block-key="amn29">측량은 부지, 주택 및 기타 구조물의 위치와 부동산 개선 사항을 보여주는 부동산 도면입니다.</p><p data-block-key="ca9vb"><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="bv1hu"><br/><b>소유권 서비스 비용 (Title service fees)</b></h2><p data-block-key="e3ii1">소유권 서비스 비용은 모기지를 받을 때 지불하는 클로징 비용의 일부입니다. 주택을 구입하면 종종 증서라고 불리는 문서를 받게 되며 이는 판매자가 주택의 법적 “소유권”을 귀하에게 이전했음을 보여줍니다. 소유권 서비스 비용은 대출 업체에게 소유권 보험 증권을 발행하는 것과 관련된 비용입니다.</p><p data-block-key="861sk"><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="cn4si"><br/><b>총 이자 비율 (TIP) (Total interest percentage (TIP))</b></h2><p data-block-key="av7i7">총 이자 비율(TIP)은 모기지 대출 기간 동안 얼마의 이자를 지불할지 알려주는 공시입니다.</p><p data-block-key="5la87"><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="cl64v"><br/><b>총 납부액 (Total of payments)</b></h2><p data-block-key="a34bl">본 숫자는 모기지 기간 동안 지불하게 될 총 금액을 알려줍니다.</p><p data-block-key="3qucu"><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="bin2i"><br/><b>TRID</b></h2><p data-block-key="cd690">“TRID” 는 일부 사람들이 <b>T</b>ILA <b>R</b>ESPA 통합 공시를 일컬을 때 쓰는 약자입니다(<b>T</b>ILA <b>R</b>ESPA <b>I</b>ntegrated <b>D</b>isclosure).</p><p data-block-key="9dgh"><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">(영어로) 추가 정보 읽기</a> <br/><br/><br/></p><hr/><h2 data-block-key="3vqbg"><br/><b>USDA 대출 (USDA Loan)</b></h2><p data-block-key="c3kgr">미국 농무부(USDA)의 일부인 농촌 주택 서비스는 USDA의 소득 자격 요건을 충족하는 농촌 주택 구매자에게 계약금 없이 일반적으로 좋은 이자율의 모기지 프로그램을 제공합니다.</p><p data-block-key="5r9u7"><a href="/owning-a-home/loan-options/special-loan-programs/">이와 기타 특별 대출 프로그램에 대해 자세히 알아보십시오</a>. <br/><br/><br/></p><hr/><h2 data-block-key="dtjgt"><br/><b>VA 대출 (VA loan)</b></h2><p data-block-key="us46">VA 대출은 보훈부(VA)에서 제공하는 대출 프로그램으로 군인, 재향군인 및 유자격 생존 배우자의 주택 구입을 돕습니다. VA는 대출을 제공하지 않지만 누가 유자격일지와 모기지 조건에 대한 규칙을 정합니다. VA는 대출 업체의 손실 위험을 줄이기 위해 대출금의 일부를 보증합니다. 대출은 일반적으로 주 거주지에만 가능합니다.</p><p data-block-key="4861g">재향군인인 경우 <a>VA 대출이 귀하에게 적합</a> 한지 알아보십시오.<br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html
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index 000000000000..e7175b59fa34
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1480 @@
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+<div aria-level="2" role="heading">
+        Consumer Education
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+        Back
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
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+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for a mortgage (in Korean)</div>
+<h1>모기지를 알아보는 방법</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">모기지를 알아보는 과정에는 많은 시간과 노력이 들어갑니다. 그러나 이를 통해 수천 달러를 절약할 수 있습니다. 적어도 서로 다른 대출업체 세 곳에서 대출 조건을 받아 비교해 보시기 바랍니다.</p>
+    </div>
+    <p data-block-key="8ksj1"><b>본</b> <b>페이지</b> <b>내용:</b></p><ul><li data-block-key="cfdh3"><a href="#preapproval">최소 세 곳에서 사전 승인을 받으세요.</a></li><li data-block-key="egrgo"><a href="#shop">대출 기간, 대출 금리 구조 및 대출 프로그램에 대해 알아보세요.</a></li><li data-block-key="9ddaf"><a href="#loanprogram">일반 융자, FHA 융자, VA 융자 또는 특별 융자 프로그램에 대해 알아보세요</a>.</li><li data-block-key="3q0vu"><a href="#compareoffers">대출 조건을 비교해 보세요</a>.</li><li data-block-key="doq16"><a href="#betterdeal">더 좋은 조건을 요청해 보세요</a>.</li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8"><b><span id="preapproval"></span>최소</b> <b>세</b> <b>곳에서 사전</b> <b>승인을</b> <b>받으세요.</b></h2><p data-block-key="cu10d">인터넷과 신문을 이용해 모기지 대출업체에 대해 알아볼 수 있습니다. 첫 주택 구매자, 재향군인, 공무원 등 본인의 상황에 맞는 은행, 신용 조합 및 단체로 연락해 보시기 바랍니다.</p><p data-block-key="babs7">적어도 서로 다른 대출업체 세 곳에 “사전 승인”을 요청하시기 바랍니다. 이는 대출업체에서 신용 보고서를 포함하여 재정 상태를 확인한 후 빌릴 수 있는 금액 및 이자율을 대략적으로 계산해 주는 것을 말합니다.</p><p data-block-key="ci6rv">사전 승인을 통해 각 대출업체에서 제공하는 대출의 종류와 가격을 알아볼 수 있습니다. 짧은 시간 안에 세 개의 사전 승인을 모두 받을 경우, 신용 점수에는 큰 영향을 미치지 않습니다.</p><p data-block-key="a1avf">어느 정도 결정을 내린 후, 이 대출업체들에게 다시 대출 조건을 요청하시면 됩니다.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>대출 기간, 대출 금리 구조 및 대출 프로그램에 대해 알아보세요.</h2><h3 data-block-key="erg25">장기 대출 또는 단기 대출</h3><p data-block-key="5d7i0">일반적으로 대출 기간이 길수록 대출 기간 동안 더 많은 비용을 내야 합니다. 그러나 보통 월 상환금은 더 적습니다. 대출업체와 협상을 통해 20년, 7년 심지어는 30년 이상과 같이 대출 기간을 다르게 설정할 수도 있습니다.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30년 모기지
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="보여줘">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="숨기기">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">대부분의 주택 구매자는 매월 납부해야 하는 상환금이 적기 때문에 30년 대출을 선택합니다.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15년 모기지
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="보여줘">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="숨기기">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ysmss">보통 월 상환금은 30년 대출보다 많지만 대출을 15년 만에 갚을 수 있기 때문에 총비용은 더 적게 들어갈 수 있습니다.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="">
+    <h3>고정금리 또는 변동금리</h3>
+        <p><p data-block-key="qnu18">고정금리 대출이 일반적입니다. 변동금리 대출을 이용하면 초기 상환금이 적을 수 있지만 이자율이 상승하면 상환금이 급격하게 많아질 수 있습니다.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            고정금리 모기지
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="보여줘">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="숨기기">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ysmss">대출 기간 동안 이자율과 월 상환금이 그대로 유지됩니다.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            변동금리 모기지(ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="보여줘">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="숨기기">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ysmss">일반적으로 대출 기간 가운데 초기 몇 년 동안은 이자율이 고정되어 있습니다. 고정 기간이 종료되면 이자율은 "지수"를 기반으로 정기적으로 바뀝니다. 일반적으로 지수는 이자율의 척도이며 전반적인 경제 추세를 반영합니다. 이는 상환액이 증가하거나 감소할 수 있음을 의미합니다. 자세한 내용은 대출 기관에서 받는 대출 견적서에 포함되어 있습니다.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="e4dhf"><b><span id="loanprogram"></span>일반 융자, FHA</b> <b>융자, VA</b> <b>융자 또는 특별 융자</b> <b>프로그램에</b> <b>대해</b> <b>알아보세요.</b></h2><p data-block-key="bf355">다양한 대출 프로그램이 있으며 그 가운데 일부는 특정 상황 또는 단체에 속한 사람을 돕기 위한 모기지도 있습니다.</p><h3 data-block-key="5i0c9">계약금(Down Payment)으로 5% 이상을 내시나요?</h3><p data-block-key="amc4k">패니메이(Fannie Mae) 또는 프레디맥(Freddie Mac)에서 보증하는 “일반” 모기지에 대해 문의하시기 바랍니다.</p><h3 data-block-key="2kuur">적은 금액의 계약금을 내시나요?</h3><p data-block-key="35cp5">FHA에서 보증하는 모기지에 대해 문의하시기 바랍니다.</p><h3 data-block-key="n8jc">군인 또는 재향군인이신가요?</h3><p data-block-key="3p7qu">VA에서 보장하는 모기지에 대해 문의하시기 바랍니다.</p><h3 data-block-key="2kuno">농촌 지역에 있는 주택을 구매하시나요?</h3><p data-block-key="2j4hq">USDA에서 지원하는 모기지에 대해 문의하시기 바랍니다.</p><h3 data-block-key="6qrtc">저소득층 또는 중산층에 속하며 첫 주택을 구입하시나요?</h3><p data-block-key="sfc8">해당되는 주의 주택금융청을 통해 이용할 수 있는 대출에 대해 문의하시기 바랍니다.</p><h2 data-block-key="r9s7"><b><span id="compareoffers">대출</b> <b>조건을</b> <b>비교해</b> <b>보세요.</span></b></h2><p data-block-key="4quk8">이제 정식으로 신청 절차를 시작할 때입니다. 이용하고자 하는 대출의 종류, 프로그램 및 기간에 대해 대출업체로 대출 조건을 문의하시기 바랍니다. 그런 후에 조건을 나란히 놓고 비교할 수 있습니다.</p><p data-block-key="bkn68"><b>우선 대출에</b> <b>대한 기본 사항을 비교해야</b> <b>합니다.</b></p><ul><li data-block-key="a4nmv">대출 기간이 어떻게 되나요?</li><li data-block-key="1faei">이자율은 얼마인가요?</li><li data-block-key="8bm6m">대출을 위해 기준이 된 계약금은 얼마인가요?</li><li data-block-key="a21a6">월 상환금은 얼마씩 나가나요?</li><li data-block-key="2779g">변동금리 모기지의 경우, 조정될 수 있는 월 상환금과 이자율에는 상한이 정해져 있나요? 시장 금리가 하락할 경우 대출 이자율도 내려가나요?</li></ul><p data-block-key="7inj2"><b>다음으로는 비용에 영향을 미칠 수 있는</b> <b>나머지</b> <b>세부 사항을 비교해야</b> <b>합니다.</b></p><ul><li data-block-key="8piqr">월 상환금을 통해 원금은 언제 모두 갚게 되나요?</li><li data-block-key="18u77">대출 기간 동안 월 상환금이 바뀌나요? 월 상환금은 최고 얼마까지 올라갈 수 있나요?</li><li data-block-key="8g2vu">상환금에는 부동산 재산세와 보험료도 포함되어 있나요? 포함되어 있지 않다면 별도로 낼 수 있는 여력이 있으신 가요?</li><li data-block-key="3aqog">초기 상환금에는 어떤 비용과 수수료가 추가되나요? 이후 계속해서 납부하는 상환금에는 추가되는 것이 있나요?</li><li data-block-key="a11ak">포인트(이자율을 낮추는 선불 수수료)를 내야 하나요?</li><li data-block-key="19p7n">빌리는 금액(일반적으로 “클로징 비용이 없는” 대출의 경우)에는 어떤 수수료와 비용이 포함되나요?</li><li data-block-key="2qrbp">서면으로 받은 조건이 대출에 대해 들었던 내용과 동일한가요?</li><li data-block-key="bf6rr">다른 서비스 제공 업체에서 더 좋은 조건으로 결제 서비스를 이용할 수 있나요?</li><li data-block-key="6c80n">수수료 없이 대출을 일찍 상환하거나 정해진 월 상환금보다 더 큰 금액을 납부할 수 있나요?</li></ul><h2 data-block-key="1sjh2"><span id="betterdeal"></span>더 좋은 조건을 요청해 보세요.</h2><p data-block-key="e8jtr">여러 대출업체에서 받은 조건을 살펴본 후, 더 좋은 조건을 제시해 줄 수 있는지 문의하시기 바랍니다. 협상은 일반적인 것이며 이에 대해 물어보는 것은 해가 되지 않습니다. 대출업체에서는 일부 수수료를 면제해 주거나 줄여줄 수 있으며 이자율 또는 포인트를 낮춰 줄 수도 있습니다.</p><p data-block-key="d7uc4">대출업체에서 한 가지 수수료를 낮춰주는 대신 다른 수수료를 올리거나, 이자율을 내려주는 대신 포인트를 올리지는 않았는지 잘 확인해 보시기 바랍니다.</p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                기관 소개
+            </h2>
+        </header>
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diff --git a/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..20ec88878cc4
--- /dev/null
+++ b/www.consumerfinance.gov/language/ko/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1468 @@
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+            <span class="u-hide-on-mobile">검색</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">닫기</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">검색</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">검색</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
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+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
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+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+       >
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+                >
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+    >
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+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
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+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+    >
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+       >
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+    >
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
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+                m-global-eyebrow__list">
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+                    ">
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+                            العربية
+                        </a>
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+                            Kreyòl Ayisyen
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ko/">
+                    CFPB in Korean
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for your auto loan (in Korean)</div>
+<h1>자동차 대출을 알아보는 방법</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/shopping-for-your-auto-loan/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/shopping-for-your-auto-loan/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>한국어</li>
+            <li>
+                <a href="/language/tl/shopping-for-your-auto-loan/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/shopping-for-your-auto-loan/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/shopping-for-your-auto-loan/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/shopping-for-your-auto-loan/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">여러 대출을 비교하여 가장 좋은 이자율과 조건을 찾는 것은 복잡하지만 다른 상품을 비교하여 구매할 때와 크게 다르지 않습니다. 미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">오토론 신청 준비하기</h2><p data-block-key="9rgc7">대출을 신청하기 전에 아래의 단계를 따라 준비하시면 자동차 대출 선정 및 협상 시에 유리할 것입니다.</p><h3 data-block-key="16i7v">신용 보고서를 확인하세요</h3><p data-block-key="3tlbu">신용 점수는 신용 보고서에 담긴 정보를 바탕으로 결정됩니다. 그리고 이 신용 점수는</p><p data-block-key="bcf5g">이용할 수 있는 자동차 대출의 종류 및 대출을 받을 때 지불해야 하는 이자에 큰 영향을 미칩니다.</p><ul><li data-block-key="40lle">3대 신용평가기관에서 매년 무료로 신용 보고서를 받고 싶으시다면<br/> <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com/" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com%2F&amp;signature=G59IgkmbqUV-hPSVpEa0sj-kc4YsfSzbOcRcQhKeFDU"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 을 방문하시기 바랍니다.</li><li data-block-key="8jmr5">신용 보고서에 오류가 있는지 확인하고 오류가 있다면 이에 대해 어떻게 이의를<br/> 제기할 수 있는지 알아보시려면 <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a> 를 방문하시면 됩니다.</li><li data-block-key="1s58r">신용 보고서 및 신용 점수에 대해 알아보시려면 <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a> 를 방문하시면 됩니다.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">공동 서명자가 필요하신가요?</h3><p data-block-key="1180j">공동 서명자는 채무자와 마찬가지로 계약에 따라 대출을 갚아야 할 의무를 가진 사람을 말하며 부모나 가족 구성원 또는 친구가 여기에 해당될 수 있습니다. 신용 거래 기록이 적거나 개선이 필요한 경우, 그리고 신용 점수가 낮거나 신용 점수가 없는 경우에는 신용 점수가 좋은 공동 서명자가 있다면 이자율을 상당히 낮출 수 있습니다. 이는 대출업체에서 공동 서명자의 신용 거래 기록 및 신용 점수를 바탕으로 대출을 결정하기 때문입니다.</p><p data-block-key="15lkr">공동 서명자를 고려하고 있다면 예비 공동 서명자와 함께 이 결정에 대해 신중하게 생각해야 합니다. 채무자가 대출금을 상환하지 않는다면 채무자와 공동 서명자가 함께 상환에 대한 책임을 지게 됩니다. 공동 서명자는 자동차 소유권이 없더라도 대출에 대한 책임을 져야 합니다. 또한, 상환이 연체되면 채무자와 공동 서명자의 신용 거래 기록 및 신용 점수에 영향이 있습니다. 일반적으로 연방법에서는 개인이 대출을 신청할 때 신용도가 대출업체의 기준에 부합하는 경우, 대출업체에서 공동 서명자를 요구하는 것을 금지하고 있습니다. <a href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/ ">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a> 에 방문하시면 공동 서명자에 대해 더 자세한 내용을 확인하실 수 있습니다.</p>
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+                <h3 data-block-key="8t4nh">자동차 대출의 현재 이자율을 확인하세요</h3><p data-block-key="c65uf">여러 은행, 신용조합 또는 기타 대출업체에 문의하여 이자율을 알아볼 수 있습니다. 많은 상업 사이트를 통해 온라인으로 전국 및 지역별 예상 이자율도 확인할 수 있습니다. 일부 상업 사이트는 견적을 제공하는 특정 대출업체 및 대리점으로 연결되므로, 개인 정보 입력 시 주의하셔야 합니다.</p><h3 data-block-key="7r4tv">계약금을 고려해 보세요</h3><p data-block-key="8tnai">계약금이 있으면 빌려야 할 금액이 적어지기 때문에 총 대출금이 줄어듭니다. 계약금이 많을수록 대출을 받는데 들어가는 총비용이 낮아집니다.</p><h3 data-block-key="aqsro">현재 소유하고 있는 차량의 보상 판매 여부를 결정하세요</h3><p data-block-key="bhh6d">이미 차량을 소유하고 있다면 보상 판매 또는 개인 매매를 통해 얼마를 받을 수 있는지 알아보시기 바랍니다. 컨슈머리포츠(Consumer Reports), 에드먼스닷컴(Edmunds.com), 켈리블루북(Kelley Blue Book), J.D. 파워(J.D. Power) 등 상업 온라인 웹사이트와 온라인 중고 거래 사이트를 이용하면 대략적인 가격을 찾아볼 수 있습니다. 이러한 자료들은 지역 도서관에서도 이용할 수 있습니다. 최근 주변 지역에서 유사한 차량이 매매된 사례를 찾아 합당한 가격을 추산하는 방법도 있습니다.</p><p data-block-key="dint1">현재 소유하고 있는 차량의 대략적인 가치를 알아본 후, 보상 판매를 할지 또는 직접 판매를 할지 결정할 수 있습니다. 자동차 판매 대리점에서 보상 판매를 한다면 대리점과 협상하여 다음 차량을 구매할 때 공제되는 금액을 결정합니다. 직접 판매를 하기로 한다면 판매금을 계약금으로 활용할 수 있습니다.</p><h2 data-block-key="cpj5o">보상 판매하는 차량에 대출이 있다면 신중하게 생각해 보세요.</h2><p data-block-key="2j2av">기존 채무 외에 새로운 채무를 감당할 것인지 신중히 생각해 보아야 합니다. 다음은 몇 가지 고려 사항 및 절차입니다.</p><ul><li data-block-key="94v0s">대리점을 방문하기 전에 현재 대출업체에서 <b>상환액</b>, 즉, 기존 대출을 갚기 위해 필요한 금액을 확인하셔야 합니다.</li><li data-block-key="5g5af">현재 대출을 지금 상환할 것인지, 이전에 받은 자동차 대출을 모두 갚을 때까지 기다렸다가 새로운 차량을 구매하기 위해 대출을 받을 것인지, 또는 현재 소유하고 있는 차량에 남아 있는 채무액을 신규 자동차 대출에 포함시킬 것인지 결정하셔야 합니다.</li><li data-block-key="fvo88">현재 소유하고 있는 차량의 가치보다 채무액이 더 높게 <b>뒤바뀐</b> 상황이라면, <b>역자산</b>을 보유하고 있는 것입니다. 기존 자동차 대출 잔액을 신규 자동차 대출에 포함시킨다면 이로 인해 훨씬 더 많은 비용이 들 수 있습니다. 새 차의 가격보다 더 많은 돈을 빌려야 하기 때문에 총 대출 비용이 더 높아지는 것입니다.</li><li data-block-key="bqas0">보상 판매 가격을 알아보고 난 후, 보상 판매하고자 하는 차량의 가치가 남아있는 대출금보다 높다면, 협상 과정에서 보상 판매 차량에 대한 합당한 가격을 제안받고 기존의 자동차 대출을 완전히 갚을 수 있는지 생각해 보는 것이 중요합니다.</li></ul>
+            </div>
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+<div class="o-well">
+        <h3 data-block-key="m8tu6">보상 판매 차량에 대출금이 남아 있나요?</h3><p data-block-key="9g3b9">기존 대출 잔액을 신규 대출에 포함시키려고 한다면, 신규 대출의 총비용에 어떤 영향을 미치는지 먼저 이해해야 합니다. 동의하기에 앞서 대출 금액, 연이율(APY), 이자율, 대출 기간(개월 수) 및 월 상환액을 포함하여 신규 대출 비용을 신중히 살펴보시기 바랍니다. 기존 차량에 대한 채무액을 신규 대출에 포함시키지 않고 현재 소유 차량을 유지하면서 새 자동차를 구매한다면, 두 개의 대출이 있어 월 상환금도 각각 납부해야 할 것입니다. 어떤 방법을 선택하더라도 보상판매 차량에 대한 채무액이 남아있다면 거래를 계속 진행하여 새로운 차량을 구매하는 것이 올바른 선택인지 생각해 봐야 합니다. 자세한 내용은 <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p>
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+                <h3 data-block-key="8t4nh">선택 가능한 추가 옵션에 대해 미리 생각해 보세요</h3><p data-block-key="3tk6a">자동차 판매 대리점을 방문하시면 차량이나 대출에 대한 추가 상품 및 서비스를 제안받을 가능성이 큽니다. 대리점에서 고민해야 할 사항을 줄이고 추가 옵션을 구매하라는 제안에 대해 미리 답을 준비해두기 위해 추가 옵션에 대해 미리 생각해 두는 것이 좋습니다. 일반적인 추가 옵션은 다음과 같습니다.</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>서비스 계약 또는 품질 보증 연장</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>자동차 보호 보장(GAP) 보험</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>신용보험</b></a></li><li data-block-key="9qmlr"><b>차량</b> <b>관련 추가</b> <b>옵션</b>(경보 시스템, 창문 틴팅, 타이어와 바퀴 보호 장치 및 기타 상품 등)</li></ul><p data-block-key="ac86r">이러한 상품 및 서비스는 선택 사항이며 대출을 이용하여 구매할 수도 있습니다. 구매를 결정했다면 가격은 협상할 수 있습니다. 추가 상품 또는 서비스를 구매하고 싶다면, 여러 곳에 알아보시기 바랍니다. 예를 들어, 현재 이용 중인 자동차 보험회사에서 GAP 보험, 신용보험 또는 다른 대안을 제공할 수도 있습니다. 선택 가능한 추가 옵션을 대출을 이용해 구매할 경우, 대출금 및 상환액은 증가합니다.</p><p data-block-key="7jq8h">이제 모든 사전조사가 끝나고 자동차 대출을 본격적으로 알아볼 준비가 되셨습니다. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">consumerfinance.gov에 있는 자동차 대출 워크시트를 사용하여 대출 조건을 파악하고 선택안을 서로비교해 보시기 바랍니다.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> 여러 대출을 비교해 보고 자신에게 가장 좋은 조건의 대출을 받을 수 있도록 은행, 신용조합, 기타 대출업체 및 자동차 판매 대리점을 방문할 때 이 워크시트를 가져가시면 됩니다.</p><h2 data-block-key="82bj6">자동차 대출 알아보기</h2><p data-block-key="fo8mf">이제 대출을 알아볼 준비가 되셨습니다. 대리점으로 가기 전에 개인정보를 미리 준비하고 대출 사전 승인을 받는 것을 고려해 보시기 바랍니다.</p><p data-block-key="9ke63">미리 알아보면 자동차 대출 협상에 대비할 수 있고 절차에 대한 스트레스를 줄일 수 있습니다.</p><h3 data-block-key="f6jf9">개인정보를 준비하세요</h3><p data-block-key="25luf">은행, 신용조합 또는 자동차 판매 대리점을 방문할 때는 필요한 모든 정보를 준비하셔야 합니다. 대출업체에서 대출 신청서를 작성할 때 일반적으로 다음과 같은 정보를 요구합니다.</p><ul><li data-block-key="6m2vs">이름</li><li data-block-key="btptn">사회보장번호 또는 ITIN</li><li data-block-key="e4olc">생년월일</li><li data-block-key="e1uhj">현재와 이전 주소 및 체류 기간</li><li data-block-key="cukub">현재와 이전 직장 및 근무기간</li><li data-block-key="211k4">직업</li><li data-block-key="4fqf">수입원</li><li data-block-key="frfg9">총 월 소득</li><li data-block-key="a3lhq">기타 채무를 포함한 현재 신용 거래 계정에 대한 금융 정보</li></ul><h3 data-block-key="7gm0l">대출 사전 승인을 받으세요</h3><p data-block-key="7gjno">은행, 신용조합 또는 기타 대출업체에서 최대로 받을 수 있는 대출 금액과 이자율에 대해 사전 승인을 받거나 견적을 받는 것부터 시작하는 것이 좋습니다. 대출업체에서 받은 대출 견적을 대리점에 가져가면 대출업체에서 대출을 받거나 대리점에서 제안하는 대출 상품을 선택할 때 더 좋은 조건을 받는데 유리할 수 있습니다.</p><p data-block-key="ippj">사전 승인은 예산을 초과하지 않고 대리점에서 시간적 압박 없이 이자율을 비교하는 데 도움이 됩니다. 사전 승인을 통해 받을 수 있는 대출 조건에 대해 미리 알고 있기 때문에 대리점에서는 차량 가격 및 보상 판매 차량의 가격에 집중할 수 있게 됩니다. 사전 승인을 받은 대출을 이용하는 대신, 대리점에서 더 좋은 조건의 대출을 받기 위해 협상할 수도 있습니다.</p><p data-block-key="2fl4s">대출이 사전 승인되면 대출업체는 대리점에 제출할 수 있는 서류를 제공합니다. 구매할 준비가 되면, 대리점에서 대출 기관 최종 협의를 합니다.</p><h3 data-block-key="9e9g">대출을 알아보는 것이 신용 점수에 어떤 영향을 주는지 이해하세요</h3><p data-block-key="ed00">일반적으로 가장 좋은 조건의 자동차 대출을 알아보는 것은 신용 점수에 거의 영향을 미치지 않습니다. 자동차 대출을 알아봄으로써 얻는 이익이 신용 점수에 미치는 영향보다 훨씬 큽니다. 장기간에 걸쳐 여러 대출을 신청하면 신용 점수가 하락하는 경우가 있습니다. 신용 점수 산정 모델에 따라, 보통 14일에서 45일 사이에 여러 대출업체에서 요청한 신용 점수 요청 또는 문의는 모두 하나의 조회로 계산됩니다. 이는 그 기간 안에 여러 자동차 대출을 알아보면 한 건의 대출을 신청하는 것과 같다는 것을 의미합니다. 단기간에 모든 이자율을 알아보면 신용 점수에 미치는 나쁜 영향을 최소화할 수 있습니다.</p><h3 data-block-key="ff4qh">보장받는 권리에 대해 알아보세요</h3><p data-block-key="4epq2">대출업체는 인종, 피부색, 종교, 출신 국가, 성별, 결혼 여부, 나이, 공적 보조금 수급 여부 또는 소비자 신용보호법(Consumer Credit Protection Act)에 따라 행한 모든 신실한 권리 행사를 바탕으로 신용 거래 신청을 취소 또는 거부할 수 없으며, 대출에 대해 다른 가격을 제시하거나 대출 조건을 다르게 설정할 수 없습니다.</p><p data-block-key="55jgs">사기 신고는 연방거래위원회(FTC)의 웹사이트인 <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 를 통해 온라인으로 하실 수 있습니다. 민원은 소비자금융보호국 웹사이트인 <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> 에서 온라인으로 접수하실 수 있으며 무료 전화번호인 1-855-411-CFPB(2372) 번으로 전화하여 접수하실 수도 있습니다</p>
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diff --git a/www.consumerfinance.gov/language/ru/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/ru/act-fast-if-you-cant-pay-your-credit-cards/index.html
new file mode 100644
index 000000000000..9b2eb0ce4eb9
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -0,0 +1,1458 @@
+<!DOCTYPE html>
+<html lang="ru" class="no-js">
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+    <meta name="template" content="v1/learn-page/index.html">
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+          content="Действуйте незамедлительно и позвоните в компанию, которая является эмитентом вашей кредитной карты, если вы не в состоянии выплатить сумму минимального платежа по этой кредитной карте.">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
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+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
+            </a>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
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+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
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+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
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+</li>
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+                m-global-eyebrow__list">
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+                    ">
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+          id="main">
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Act fast if you can’t pay your credit cards (in Russian)</div>
+<h1>Будьте оперативны, если не можете осуществить выплаты по кредитным картам</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Действуйте незамедлительно и позвоните в компанию, которая является эмитентом вашей кредитной карты, если вы не в состоянии выплатить сумму минимального платежа по этой кредитной карте.</p>
+    </div>
+    <p data-block-key="6l3co">Многие компании-эмитенты кредитных карт будут готовы пойти навстречу, если вы оказались в тяжелой финансовой ситуации. Вы можете обратиться за помощью к компаниям-эмитентам кредитных карт даже в том случае, если у вас нет задержек с платежами.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Не игнорируйте проблему</h2><p data-block-key="97va4">Это может привести лишь к более серьезным проблемам, таким как:</p><ul><li data-block-key="72i4h">Более высокие процентные ставки</li><li data-block-key="7gjuv">Более высокие минимальные платежи</li><li data-block-key="30qv8">Потеря возможности использовать кредитную карту</li><li data-block-key="flir1">Штрафы за задержку платежей</li><li data-block-key="9s2ee">Ухудшение кредитной истории</li></ul><h2 data-block-key="e0v5p">Вот что нужно сделать</h2><h3 data-block-key="7h7ck">1. Рассчитайте общие суммы ваших доходов и расходов</h3><p data-block-key="c8hlp">Попытайтесь найти способы сократить расходы. Если вы не можете найти достаточно средств для оплаты минимального платежа, определите, сколько вы можете заплатить.</p><h3 data-block-key="f1muv">2. Позвоните в компанию-эмитент вашей кредитной карты</h3><p data-block-key="4ql63">Обязательно четко разъясните следующее:</p><ul><li data-block-key="6mh9e">Почему вы не можете оплатить минимальный платеж</li><li data-block-key="9t5dv">Сколько вы в состоянии заплатить</li><li data-block-key="amv7g">Когда вы сможете возобновить обычные выплаты</li></ul><h3 data-block-key="9per">3. Рассмотрите возможность обращения к кредитному консультанту</h3><p data-block-key="9cnft">Если вам нужна дополнительная помощь, некоммерческие организации по кредитному консультированию могут научить вас лучше контролировать свои финансы.</p><p data-block-key="63ggt">Прежде чем согласиться на кредитное консультирование, спросите, возьмут ли с вас плату за такие услуги и какие именно услуги вы получите. Убедитесь, что ваш консультант по кредиту уделяет время изучению вашей финансовой ситуации и предлагает помощь в улучшении ее.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="53x1t">Легких решений нет</h2><p data-block-key="2p0mo">Некоторые частные компании по облегчению долгового бремени обещают помочь расплатиться с долгами «буквально за гроши» Но часто эти обещания не выполняются. Остерегайтесь любых организаций по облегчению долгового бремени, которые:</p><ul><li data-block-key="a5359">Взимают плату до урегулирования ваших долгов</li><li data-block-key="33tr7">Гарантируют, что могут избавить вас от долгов</li><li data-block-key="33aob">Требуют прекратить контакты с кредиторами или эмитентами кредитных карт</li><li data-block-key="ccgm">Требуют прекратить выплаты по кредитным картам или займам</li></ul>
+</div>
+            </div>
+</div>
+   </div>
+        </section>
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+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Будьте в курсе
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="sxb5x">Подпишитесь, чтобы получать информацию о помощи, доступной на разных языках</p>
+    </p>
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+          >
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+            <label class="a-label a-label__heading" for="email_1">
+                Эл. почта
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+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
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+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                См. заявление касательно закона «О неприкосновенности частной жизни»
+            </a>
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diff --git a/www.consumerfinance.gov/language/ru/auto-loans-key-terms/index.html b/www.consumerfinance.gov/language/ru/auto-loans-key-terms/index.html
new file mode 100644
index 000000000000..62c120c67c06
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/auto-loans-key-terms/index.html
@@ -0,0 +1,1484 @@
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    <div role="heading"
+                         aria-level="3"
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
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+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+             / 
+                <a class="m-breadcrumbs_crumb"
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+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
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+</nav>
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+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto loans key terms (in Russian)</div>
+<h1>Основные термины автокредита</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/auto-loans-key-terms/"
+                lang="en"
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+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/auto-loans-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/auto-loans-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/auto-loan-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/auto-loan-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/auto-loan-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/auto-loan-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Фактическая денежная стоимость (Actual Cash Value - ACV)</b></h2><p data-block-key="58a8o">Фактическая денежная стоимость (ACV) — это стоимость автомобиля согласно общепризнанным независимым источникам таким, как <a href="https://www.consumerfinance.gov/external-site/?ext_url=http://www.nadaguides.com/&signature=lYL1SGwoHJxCI556edsQt00usLezbu7hyPYmIOevXH8">National Automobile Dealers Association (Национальная ассоциация автомобильных дилеров)</a> или <a class="a-link a-link__icon" data-pretty-href="https://www.kbb.com/" href="/external-site/?ext_url=https%3A%2F%2Fwww.kbb.com%2F&amp;signature=2bCu3ZInSoTikSQ9HXVUzPyoFPeX43MV2cnDGtMuwpo"><span class="a-link_text">Kelley Blue Book (Синяя книга Келли)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.</p><p data-block-key="4tdus"><a>Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>Амортизация (Amortization)</b></h2><p data-block-key="3hr40">Амортизация описывает процесс постепенного погашения автокредита. При амортизации кредита для каждого из ваших ежемесячных платежей часть платежа направляется на погашение суммы кредита – <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">основная сумма кредита</a> – и часть платежа направляется на оплату финансовых сборов – процентов.</p><p data-block-key="4abns"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>Годовая процентная ставка (Annual Percentage Rate - APR)</b></h2><p data-block-key="bt9tj">Годовая процентная ставка (APR) — это выраженная в процентах стоимость, которую вы платите каждый год, чтобы занять деньги. APR — это более широкая мера стоимости займа денег для вас, поскольку она отражает не только процентную ставку, но и сборы, которые вы должны заплатить, чтобы получить кредит. Чем выше APR, тем больше вы будете платить за срок кредита.</p><p data-block-key="5k824">APR автокредита и <a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">процентная ставка</a> являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Правопреемник (Assignee)</b></h2><p data-block-key="fk0mq">Правопреемник — это лицо или компания, которая покупает ваш автокредит. Например, автодилер, который предоставляет вам кредит, может продать ваш кредит банку, сделав банк правопреемником. Вы должны деньги тому, кто купил ваш кредит. Правопреемник имеет право удержания автомобиля и может изъять его, если вы не платите.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Базовая цена (Base price)</b></h2><p data-block-key="b9tqp">Базовая цена – это цена автомобиля без опций.</p><p data-block-key="au3c6"><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Ставка покупки (Buy rate)</b></h2><p data-block-key="dt9ve">Ставка покупки — это процентная ставка, которую потенциальный кредитор предлагает вашему дилеру, когда вы подаете заявку на финансирование, <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">организованное дилером</a>.</p><p data-block-key="2n3es"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Сопоручитель (Co-signer)</b></h2><p data-block-key="2hjhl">Сопоручитель — это человек, например родитель, близкий член семьи или друг, который обязуется вернуть кредит, если вы этого не сделаете. Это может быть выгодно как вам, так и вашему кредитору. Сопоручитель берет на себя полную ответственность за выплату кредита. Наличие сопоручителя по вашему кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Если вы не погасите кредит, ваш сопоручитель будет нести ответственность за его погашение, даже если сопоручитель никогда не водил ваш автомобиль. Если вас попросили совместно подписать кредит, вы должны подумать <b>Кредитное страхование</b> .<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Кредитное страхование (Credit insurance)</b></h2><p data-block-key="fkmcm">Кредитное страхование — это дополнительная страховка, которая может выполнить ваши платежи за автомобиль вашему кредитору в определенных ситуациях, например, если вы умрете или станете инвалидом. Если вы рассматриваете возможность <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">кредитного страхования</a>, убедитесь, что вы понимаете условия предлагаемого страхового полиса. Если вы решите, что вам нужна страховка, для вас могут быть более дешевые способы получить страховое покрытие, чем покупка кредитного страхования и добавление его к автокредиту. Например, страхование жизни может быть дешевле, чем кредитное страхование жизни, и позволить вашей семье погасить другие расходы в дополнение к вашему автокредиту.  <br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>Списание или приостановление долга (Debt cancellation or suspension products)</b></h2><p data-block-key="8r0dj">Некоторые автодилеры, а также банки и кредитные союзы предлагают продукты «списание долга» и «приостановление долга» или страхование под различными названиями. Эти продукты аналогичны кредитному страхованию с точки зрения их функций, но сборы и другие функции могут отличаться.</p><p data-block-key="8p6jp"><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>Дефицит баланса (Deficiency balance)</b></h2><p data-block-key="buq01">Если ваш автомобиль конфискован и продан, вы можете нести ответственность за выплату разницы между суммой, оставшейся в вашем кредите (плюс сборы за удержание автомобиля), и ценой продажи. Это известно как «дефицит баланса».<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>Первоначальный взнос (Down payment)</b></h2><p data-block-key="6hlt4">Первоначальный взнос — это первоначальный авансовый платеж, который вы вносите в счет полной стоимости автомобиля. Ваш первоначальный взнос может быть наличными, стоимостью предмета, сдаваемого в счет оплаты нового автомобиля или и тем, и другим. Чем больше ваш первоначальный взнос, тем меньше вам нужно занимать денег. Больший первоначальный взнос может также уменьшить ваш ежемесячный платеж и общую стоимость финансирования.<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>Расширенная гарантия или контракт на обслуживание автомобиля (Extended warranty or vehicle service contract)</b></h2><p data-block-key="cloa5">Расширенная гарантия или контракт на обслуживание автомобиля покрывают расходы на некоторые виды ремонта в дополнение к гарантии производителя или после ее окончания.</p><p data-block-key="eh2va"><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="659hf"></p><h2 data-block-key="8c2ku"><b>Отдел финансов и страхования (Finance and insurance department)</b></h2><p data-block-key="4gkdt">Если вы покупаете автомобиль в дилерском центре, продавец может порекомендовать вам кого-то из отдела финансов и страхования (F&I) или коммерческого офиса. Это часть дилерского центра, которая предлагает кредиты и дополнительные услуги клиентам после того, как они согласились купить автомобиль в дилерском центре.</p><p data-block-key="39rmv"><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="cbciv"></p><h2 data-block-key="frcam"><b>Финансирование с фиксированной процентной ставкой (Fixed-rate financing)</b></h2><p data-block-key="8rcvt">Финансирование с фиксированной процентной ставкой означает, что процентная ставка по вашему кредиту не меняется в течение всего срока кредита. С фиксированной ставкой вы можете видеть свой платеж за каждый месяц и общую сумму, которую вы будете платить в течение срока действия кредита. Вы можете предпочесть финансирование с фиксированной процентной ставкой, если вы ищете платеж по кредиту, который не изменится. Финансирование с фиксированной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">переменной процентной ставкой</a>.<br/><br/></p><hr/><p data-block-key="195ko"></p><h2 data-block-key="c7qnq"><b>Принудительная страховка (Force-placed insurance)</b></h2><p data-block-key="28lso">Для того, чтобы получить кредит на покупку автомобиля, вы должны иметь страховку, покрывающую сам автомобиль. Если вам не удалось получить страховку или вы допустили истечение срока действия страховки, договор обычно дает кредитору право получить страховку для покрытия автомобиля. Такая страховка называется «принудительная страховка».</p><p data-block-key="8o002"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="1vhou"></p><h2 data-block-key="1civq"><b>Страхование гарантированной защиты автомобиля (Guaranteed Auto Protection (GAP) insurance)</b></h2><p data-block-key="4kq3e">Страхование GAP покрывает разницу (или разрыв) между суммой, которую вы должны по автокредиту, и суммой, которую выплачивает ваша страховка, если ваш автомобиль был украден, поврежден или не подлежит ремонту. Вам не обязательно покупать эту страховку, но, если вы решите, что она вам нужна, присмотритесь к ценам. Кредиторы могут устанавливать различные цены на этот продукт.<br/><br/></p><hr/><p data-block-key="a5f2c"></p><h2 data-block-key="43hmu"><b>Процентная ставка (Interest rate)</b></h2><p data-block-key="6doks">Процентная ставка по автокредиту – это выраженная в процентах стоимость, которую вы платите каждый год за заемные средства. Процентная ставка не включает сборы, взимаемые за пользование кредитом.</p><p data-block-key="8aavh">APR автокредита и процентная ставка являются двумя наиболее важными показателями цены, которую вы платите за заимствование денег. Федеральный Закон о правде в кредитовании (TILA) требует, чтобы кредиторы предоставляли вам конкретную информацию о важных условиях, включая APR, до того, как у вас возникнут юридические обязательства по кредиту. Поскольку все кредиторы должны предоставить APR, вы можете использовать APR для сравнения автокредитов. Просто убедитесь, что вы сравниваете APR с APR, а не с процентными ставками.<br/><br/></p><hr/><p data-block-key="53qac"></p><h2 data-block-key="b1fsf"><b>Срок или продолжительность кредита (Loan term or duration)</b></h2><p data-block-key="8neko">Это продолжительность вашего автокредита, как правило, выраженная в месяцах. Более короткий срок кредита (при котором вы делаете ежемесячные платежи за меньшее количество месяцев) снизит общую стоимость кредита. Более длительный срок кредита может уменьшить ваш ежемесячный платеж, но вы уплатите больше процентов в течение срока кредита. Более длительный срок кредита также подвергает вас риску отрицательного капитала, когда вы должны за автомобиль больше, чем он стоит.<br/><br/></p><hr/><p data-block-key="anct0"></p><h2 data-block-key="78nh8"><b>Отношение кредита к стоимости (Loan-to-value ratio)</b></h2><p data-block-key="8rl1a">Отношение кредита к стоимости (LTV) — это общая стоимость вашего кредита в долларах, деленная на фактическую денежную стоимость (ACV) вашего автомобиля. Это отношение обычно выражается в процентах. Ваш первоначальный взнос уменьшает отношение кредита к стоимости для вашего кредита.</p><p data-block-key="80bqi"><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="o56u"></p><h2 data-block-key="389kd"><b>Обязательный арбитраж (Mandatory binding arbitration)</b></h2><p data-block-key="f5v38">Подписывая контракт с положением об обязательном арбитраже, вы соглашаетесь разрешать любые споры по контракту арбитром, который решает спор вместо суда. Вы также можете согласиться отказаться от других правтаких, как возможность обжаловать решение или присоединиться к коллективному иску.</p><p data-block-key="72du8"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="4p2fq"></p><h2 data-block-key="ff37r"><b>Стимулы производителя (Manufacturer incentives)</b></h2><p data-block-key="1gjdo">Стимулы производителя — это специальные предложения такие,как финансирования со ставкой 0% или скидки наличными, которые вы, возможно, видели в рекламе новых автомобилей. Часто они предлагаются только для определенных моделей автомобилей.</p><p data-block-key="83spm"><b>Рекомендованная производителем розничная цена (MSRP)</b><br/><br/></p><hr/><p data-block-key="ee4ra"></p><h2 data-block-key="e2dfu"><b>Рекомендованная производителем розничная цена (Manufacturer Suggested Retail Price - MSRP)</b></h2><p data-block-key="cbj1l">Рекомендованная производителем розничная цена (MSRP) — это цена, которую автопроизводитель — изготовитель автомобиля — <b>предлагает</b> дилеру запросить за автомобиль.<br/><br/></p><hr/><p data-block-key="evcc6"></p><h2 data-block-key="dfr97"><b>Отрицательный капитал (Negative equity)</b></h2><p data-block-key="79lek">Если вы должны по текущему автокредиту больше, чем стоит автомобиль — это называется «перевернутая ситуация» — тогда у вас отрицательный капитал. Другими словами, если вы попытаетесь продать свой автомобиль, вы не сможете получить ту сумму, которую вы уже должны за него. Например, скажем, вы должны 10 000 долларов по автокредиту, а ваш автомобиль теперь стоит 8000 долларов. Это означает, что у вас отрицательный капитал в размере 2000 долларов. Этот отрицательный капитал необходимо будет погасить, если вы хотите встречно продать свой автомобиль и взять автокредит для покупки нового автомобиля.<br/><br/></p><hr/><p data-block-key="80nkl"></p><h2 data-block-key="cicp"><b>Автокредит без проверки кредитоспособности или автокредит «купи здесь, плати здесь» (No credit check or "buy here, pay here" auto loan)</b></h2><p data-block-key="8lsu1">Автокредит «без проверки кредитоспособности» или автокредит «купи здесь, плати здесь» предлагаются дилерскими центрами, которые обычно финансируют автокредиты «собственными силами» заемщикам без кредита или с плохой кредитной историей.</p><p data-block-key="b6tp"><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="8cdu8"></p><h2 data-block-key="9hna1"><b>Основная сумма кредита (Principal)</b></h2><p data-block-key="fp299">Основная сумма кредита — это деньги, которые вы изначально согласились выплатить.</p><p data-block-key="5oihr">Как правило, любой платеж, сделанный по автокредиту, в первую очередь относится к любым причитающимся сборам (например, сборы за просрочку платежа). Затем оставшиеся деньги от вашего платежа будут отнесены к любым причитающимся <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">процентам</a>, включая просроченные проценты, если применимо. Затем оставшаяся часть вашего платежа будет отнесена к остатку основной суммы вашего кредита.<br/><br/></p><hr/><p data-block-key="ahg09"></p><h2 data-block-key="3qogb"><b>Ценообразование, основанное на риске (Risk-based pricing)</b></h2><p data-block-key="bv4gn">Ценообразование, основанное на риске, возникает, когда кредиторы предлагают разным потребителям разные процентные ставки или другие условия кредита, исходя из предполагаемого риска того, что потребители не смогут погасить свои кредиты.</p><p data-block-key="d1ll0"><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="1v68g"></p><h2 data-block-key="a2pqq"><b>Полная стоимость (Total cost)</b></h2><p data-block-key="6cmct"><b>Раскрытие информации согласно Закону о правде в кредитовании </b> Это сумма, которую вы заплатите за покупку своего автомобиля, включая основную сумму кредита, проценты и любой первоначальный взнос или встречную продажу в течение срока действия кредита.<br/><br/></p><hr/><p data-block-key="360er"></p><h2 data-block-key="5ames"><b>Раскрытие информации согласно Закону о правде в кредитовании (Truth in Lending disclosure)</b></h2><p data-block-key="332kk">Федеральный Закон о правде в кредитовании — или сокращенно «TILA» — требует, чтобы заемщики получали письменную информацию о важных условиях кредита, прежде чем они будут юридически обязаны выплачивать кредит. Узнайте больше об информации, включенной в <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">ваше раскрытие информации по закону TILA</a>, и о том, когда вы должны ее получать и рассматривать.<br/><br/></p><hr/><p data-block-key="bgup3"></p><h2 data-block-key="2tln2"><b>Финансирование с переменной процентной ставкой (Variable-rate financing)</b></h2><p data-block-key="3nnns">Финансирование с переменной процентной ставкой — это такое финансирование, когда процентная ставка по вашему кредиту может меняться в зависимости от основной ставки или другой ставки, называемой «индексом». В случае кредита с переменной процентной ставкой процентная ставка по кредиту меняется по мере изменения индексной ставки, а это означает, что она может повышаться или понижаться. Поскольку ваша процентная ставка может увеличиться, ваш ежемесячный платеж также может увеличиться. Чем дольше срок кредита, тем более рискованным может быть кредит с переменной процентной ставкой для заемщика, потому что есть больше времени для повышения ставок. Финансирование с переменной процентной ставкой является одним из видов финансирования. Другим типом является финансирование с <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">фиксированной процентной ставкой</a>.<br/><br/></p><hr/><p data-block-key="76c3v"></p><h2 data-block-key="9qme3"><b>Страхование единого интереса поставщика (Vendor's Single Interest (VSI) insurance)</b></h2><p data-block-key="3p5g9">Страхование VSI защищает кредитора, но не вас, в случае повреждения или уничтожения автомобиля.</p><p data-block-key="4b84m"><a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">Подробнее (на английском языке)</a></p>
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diff --git a/www.consumerfinance.gov/language/ru/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/ru/bank-accounts-key-terms/index.html
new file mode 100644
index 000000000000..d96befb80425
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+            <ul
+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+                >
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+       href="/about-us/blog/"
+       >
+        Blog
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+    >
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+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
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+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
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+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
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+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Bank account key terms (in Russian)</div>
+<h1>Основные термины банковских счетов</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/bank-accounts-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/bank-accounts-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/bank-accounts-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/bank-accounts-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/bank-accounts-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/bank-accounts-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/bank-accounts-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds">Автоматизированная клиринговая палата (Automated Clearing House - ACH)</h2><p data-block-key="9dumf">Авторизация автоматизированной клиринговой палаты (ACH) — это авторизация платежа, которая дает кредитору разрешение на электронное снятие денег со счета вашего банка, кредитного союза или предоплаченной карты при наступлении срока платежа. Вы можете отозвать это разрешение.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Автоматическое дебетование (Automatic debit payment)</b></h2><p data-block-key="1tk0h">При автоматическом дебетовании вы разрешаете компании брать платежи непосредственно с вашего банковского счета. Это отличается от функции постоянной оплаты счетов, предлагаемой вашим банком. При постоянной оплате счетов вы даете разрешение своему банку или кредитному союзу отправлять платежи компании.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Депозитный сертификат (Certificate of deposit - CD)</b></h2><p data-block-key="1ab76">Депозитный сертификат или CD — это особый тип сберегательного счета, предлагаемый банками или кредитными союзами. Как правило, вы должны хранить свои средства на CD в течение определенного периода времени, чтобы избежать штрафов.</p><p data-block-key="7gl1b"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Продление срока депозитного сертификата (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="1270i">Продление или возобновление может произойти в конце срока CD.</p><p data-block-key="5r80q"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Оплачиваемая по требованию тратта (Demand draft)</b></h2><p data-block-key="dnb6v">Оплачиваемая по требованию тратта, позволяет кому-либо снимать деньги с вашего расчетного счета без вашей подписи.</p><p data-block-key="9jtg"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Резервирование средств по вкладу (Deposit hold)</b></h2><p data-block-key="ajvjf">Время, в течение которого банк или кредитный союз удерживает средства, которые вы вносите чеком, иногда называют «резервирование средств по вкладу» или «резервирование средств по чеку». Некоторые банки или кредитные союзы могут предоставлять средства доступными быстрее, чем того требует закон, а некоторые могут ускорять доступность средств за определенную плату.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Фидуциарий (Fiduciary)</b></h2><p data-block-key="col7d">Фидуциарий - это лицо, которое управляет деньгами или имуществом для кого-то другого. Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Опекун</b> <b>над</b> <b>имуществом (Guardian of property)</b></h2><p data-block-key="eu1e7">Опекуном над имуществом является лицо, назначенное судом для управления деньгами и имуществом другого лица, которое, по решению суда, не может самостоятельно управлять своими деньгами и имуществом.</p><p data-block-key="efjtg"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>Индивидуальный идентификационный номер налогоплательщика (Individual taxpayer identification number - ITIN)</b></h2><p data-block-key="12udo">ITIN — это идентификационный номер, который вы получаете от Налогового управления США (Internal Revenue Service). ITIN предоставляется только некоторым иностранцам-нерезидентам и резидентам, их супругам и иждивенцам, которые не могут получить Номер социального обеспечения (Social Security Number).<br/><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>Совместный счет (Joint account)</b></h2><p data-block-key="5rvb9">Если вы хотите, чтобы ваш друг или член семьи мог выписывать чеки и вносить депозиты от вашего имени, вы можете рассмотреть возможность открытия совместного счета. Как правило, каждый, чье имя указано на совместном счете, может выписывать чеки, снимать деньги, совершать транзакции, переводить средства или закрывать счет. Если один из владельцев счета должен деньги, кредитор может попытаться взыскать деньги с совместного банковского счета.<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>Счет</b> <b>денежного</b> <b>рынка (Money market account)</b></h2><p data-block-key="do1ui">Счет денежного рынка — это особый тип счета, предлагаемый банками или кредитными союзами.</p><p data-block-key="4cjtr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1007" href="/ask-cfpb/what-is-a-money-market-account-en-1007/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>Плата за необеспеченный чек (Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="ar2t8">Плата за NSF или необеспеченный чек может взиматься, если ваш чек или электронная авторизация не оплачены из-за отсутствия средств на вашем счете. Такой чек обычно называют «возвращенным» (returned) или «отклоненным» (bounced) чеком.<br/><br/></p><hr/><p data-block-key="659hf"></p><h2 data-block-key="8c2ku"><b>Овердрафт (Overdraft)</b></h2><p data-block-key="t8ko">Овердрафт возникает, когда на вашем счете недостаточно денег для покрытия транзакции, но банк все равно оплачивает транзакцию. Вы можете перерасходовать свой счет с помощью чеков, транзакций в банкоматах, покупок по дебетовой карте, автоматических платежей по счетам, а также снятия средств в электронном виде или лично.</p><p data-block-key="euad0">Многие банки и кредитные союзы предлагают программы защиты от овердрафта, при наличии которых банк или кредитный союз обычно оплачивает транзакцию и взимает с вас плату за это (помимо требования о возврате суммы овердрафта). Овердрафт также может быть покрыт переводом средств со связанного счета, кредитной карты или кредитной линии.<br/><br/></p><hr/><p data-block-key="cbciv"></p><h2 data-block-key="frcam"><b>Личная</b> <b>кредитная</b> <b>линия (Personal line of credit)</b></h2><p data-block-key="e2nsq">Личная кредитная линия — это кредит, который вы получаете время от времени. Вы выписываете специальные чеки или запрашиваете перевод на свой расчетный счет по телефону или онлайн.</p><p data-block-key="dh3j0">Как и в случае со счетом кредитной карты, у вас есть кредитный лимит, вы получаете ежемесячный счет, вносите минимальный платеж, выплачиваете проценты на основе непогашенного остатка и, возможно, платите комиссию каждый раз, когда используете счет.<br/></p><p data-block-key="ff3of">Личные кредитные линии не обеспечены, в отличие от кредитной линии под залог дома (HELOC), которая обеспечена ипотекой на ваш дом. Личные кредитные линии предлагаются банками и кредитными союзами и обычно требуют, чтобы у вас также был расчетный счет в том же учреждении.<br/><br/></p><hr/><p data-block-key="195ko"></p><h2 data-block-key="c7qnq"><b>Доверенность (Power of attorney)</b></h2><p data-block-key="2d8ia">Доверенность (POA) — это юридический документ, который позволяет другому лицу действовать от вашего имени. Создание POA — это относительно недорогой способ назначения замещающего лица, принимающего решения за вас, хотя для этого может потребоваться помощь юриста.</p><p data-block-key="1i16l">Финансовую POA можно использовать в качестве инструмента для планирования в случае будущей недееспособности — неспособности принимать финансовые решения, например, из-за слабоумия, черепно-мозговой травмы или какого-либо другого нарушения, влияющего на умственные функции. При использовании для заблаговременного планирования POA обычно является «долговременной» (durable), что означает, что она продолжает действовать, даже если человек, создавший ее, становится недееспособным. Читайте дополнительный материал, чтобы узнать больше о <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">доверенности (POA)</a>.<br/><br/></p><hr/><p data-block-key="1vhou"></p><h2 data-block-key="1civq"><b>Представитель получателя платежей (Representative payee)</b></h2><p data-block-key="eia0q">Администрация социального обеспечения (SSA) назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении выплатами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению (SSI). Представитель получателя платежей может распоряжаться только чеками на пособия, оплаченными SSA. Если лицо, получающее пособия, имеет другие деньги или имущество, которыми оно не может распоряжаться, представитель получателя платежей должен иметь юридические полномочия из другого источника для управления другими средствами. Например, представитель получателя платежа также может быть назначен судом <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">опекуном <b>над</b> имуществом</a>. Как представитель получателя платежей социального обеспечения, вы являетесь <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">фидуциарием (fiduciary)</a>.</p><p data-block-key="7adt5">Для получения дополнительной информации о представителях получателя платежей прочитайте это <a href="/consumer-tools/managing-someone-elses-money/">руководство</a> по управлению деньгами других лиц.<br/><br/></p><hr/><p data-block-key="a5f2c"></p><h2 data-block-key="43hmu"><b>Отзывной траст, вступающий в силу при жизни его основателя (Revocable living trust)</b></h2><p data-block-key="597so">Отзывной траст, вступающий в силу при жизни его основателя— это юридический документ, который дает вам право принимать решения о деньгах или имуществе другого лица, находящихся в доверительном управлении.</p><p data-block-key="4v89m"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="53qac"></p><h2 data-block-key="b1fsf"><b>Представитель получателя платежей социального обеспечения (Social Security representative payee)</b></h2><p data-block-key="48o8r">Администрация социального обеспечения назначает лицо в качестве представителя получателя платежей для другого лица, которому требуется помощь в управлении платежами пособий Социального обеспечения или Дополнительного дохода по социальному обеспечению.</p><p data-block-key="776ni"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="anct0"></p><h2 data-block-key="78nh8"><b>Фидуциарий Администрации по делам ветеранов (VA fiduciary)</b></h2><p data-block-key="dj0b"><a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">Фидуциарий</a> – это лицо, управляющее деньгами или имуществом для какого-либо другого лица. Администрации по делам ветеранов (VA) назначает фидуциариев VA для управления льготами ветеранов для людей, которые не могут самостоятельно распоряжаться средствами.</p><p data-block-key="3cknl"><a>Подробнее (на английском языке)</a></p>
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diff --git a/www.consumerfinance.gov/language/ru/check-your-credit-once-a-year-ru/index.html b/www.consumerfinance.gov/language/ru/check-your-credit-once-a-year-ru/index.html
new file mode 100644
index 000000000000..460e9e172649
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/check-your-credit-once-a-year-ru/index.html
@@ -0,0 +1,1462 @@
+<!DOCTYPE html>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+</li>
+            </ul>
+        </div>
+    </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
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+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Check your credit report at least once a year (Russian)</div>
+<h1>Проверяйте свой отчет о кредитной истории как минимум один раз в год</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="oqirl">Желательно проверять свои кредитные отчеты как минимум один раз в год.</p>
+    </div>
+    <p data-block-key="dklcb">Бесплатные копии кредитных отчетов можно получать один раз в 12 месяцев. Для этого нужно зайти на веб-сайт: <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. Это единственный источник онлайн, который санкционирован федеральным законодательством для того, чтобы предоставлять бесплатные отчеты о кредитоспособности от трех крупнейших национальных бюро кредитных историй - Equifax, Experian и TransUnion.</p><p data-block-key="bibu5">Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении этого сайта вы возможно увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.</p><p data-block-key="ajt9v">На других веб-сайтах, где могут предлагаться бесплатные отчеты о кредитоспособности, от вас могут требовать, чтобы вы подписались на "бесплатную демонстрацию", которая в конечном счете приведет к тому, что вам будут выставлять счет, или вам попробуют продать другие товары или услуги, которые вам не нужны.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="s8m89">Для чего нужно проверять свой кредитный отчет:</h2><ul><li data-block-key="5gbaj">Чтобы убедиться в том, что в отношении вас указана правильная и актуальная информация</li><li data-block-key="at0rn">Находить какие-либо ошибки</li><li data-block-key="tbpr">Проверять то, чтобы в вашем отчете содержалась только информация о вас, чтобы избежать хищения персональных данных</li><li data-block-key="bepdq">Исправлять любые обнаруженные ошибки</li></ul><p data-block-key="45mld">Ошибки, содержащиеся в ваших кредитных отчетах или случаи мошенничества, вызванные хищением ваших персональных данных, могут привести к тому, что заимствование средств будет более дорогим для вас или вы не сможете получить кредит.</p><h2 data-block-key="82ei4">Типичные ошибки в кредитных отчетах:</h2><ul><li data-block-key="8sqm6">Ссуды и счета для кредитов, которые вы никогда не открывали</li><li data-block-key="8t827">Неправильно написанное имя и фамилия, неправильный номер социального страхования, неправильный адрес или номер телефона</li><li data-block-key="3cv00">Неправильно указано то, что счета не оплачены, неправильные балансы средств, неправильные лимиты кредитования, закрытые счета указаны как открытые, неправильные даты несвоевременной оплаты счета или счет указан несколько раз</li><li data-block-key="blmc1">Счета не указаны как "оплаченные" в то время, когда платежи можно было задерживать во время пандемии КОВИД-19</li></ul><h2 data-block-key="6q63s">Обжалуйте найденные вами ошибки</h2><p data-block-key="eufs1">В кредитном отчете вы также получите информацию о том, как можно обжаловать ошибку. Обычно необходимо послать письмо с обжалованием информации как в бюро кредитных историй, так и в компанию, которая была источником или "поставщиком" такой информации (например - компания по обслуживанию кредитных карт).</p><p data-block-key="2bh7d">Четко объясните им, что по вашему мнению указано неправильно и почему. Укажите факты, объясните почему вы оспариваете эту информацию и попросите, чтобы ее исправили.</p><p data-block-key="7up3l">К своему письму с обжалованием информации вам желательно приложить копию соответствующей части кредитного отчета. Выделите спорные пункты, чтобы их было видно.</p><p data-block-key="6gtcd">Кроме этого, приложите копии документов, которые подтверждают вашу позицию. Никогда не высылайте оригиналы документов. Сохраните у себя копии своих писем с оспариванием информации и приложения к ним.</p><p data-block-key="745m0">Бюро кредитных историй и поставщик информации будут обязаны провести расследование этого спора и устранить все ошибки. Если оспариваемая информация неправильна или не может быть подтверждена – компания, которая предоставила такую информацию, обязана удалить или изменить ее и предоставить исправление в те бюро кредитных историй, которые получили ее. Если в ходе расследования не будет разрешен ваш спор, поданный в компанию кредитных историй, то в таком случае вы имеете право попросить, чтобы изложение этого спора было включено в информацию о вашей кредитоспособности и в будущие кредитные отчеты.</p><h2 data-block-key="ds0ib">Вы не обязаны платить за мониторинг кредитоспособности</h2><p data-block-key="8d4rs">Многие компании, которые обещают предоставлять вам бесплатные отчеты о кредитоспособности, хотят подписать вас на свои услуги по мониторингу вашего кредитного рейтинга или на другую продукцию. Вы можете предпринять бесплатные или недорогие нижеуказанные шаги для того, чтобы защитить себя.</p><p data-block-key="4hps4">Если у вас есть жалоба или опасения по поводу услуг по мониторингу кредитного рейтинга - свяжитесь с Федеральной торговой комиссией по телефону, 877-FTC-HELP.</p><h3 data-block-key="358dq">Самостоятельно следите за своей кредитоспособностью</h3><p data-block-key="6al28">В соответствии с законодательством вы имеете право попросить, чтобы вам предоставляли бесплатный отчет о кредитоспособности один раз в 12 месяцев от каждого из общенациональных бюро кредитных историй. Вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете получить эти отчеты одновременно или можете разделить их по времени. Например, вы можете зайти на веб-сайт <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> в январе для того, чтобы получить свой отчет от компании Experian. В апреле вы можете запросить отчет от компании Equifax, а в августе запросить отчет от компании TransUnion. Чередуя свои запросы таким образом вы можете в течение всего года бесплатно следить за своей кредитоспособностью.</p><h3 data-block-key="279h6">Защитите себя от похитителей персональных данных</h3><p data-block-key="7omqm">Вам не нужно платить за услуги по мониторингу кредитного рейтинга для того, чтобы не позволить похитителям открывать счета от вашего имени. Свяжитесь с компаниями Equifax, Experian и TransUnion и попросите их, чтобы они "заморозили" ваши кредитные отчеты. Такое "замораживание" не позволит потенциальным заимодавцам получать доступ к вашей кредитной истории до тех пор, пока вы не отмените это "замораживание" для конкретного заимодавца или на конкретный отрезок времени. Как правило, заимодавцы не будут предлагать вам кредит в том случае, если они не могут получить доступ к отчетам о вашей кредитоспособности. Таким образом "замораживание" не позволит вам или другим лицам открывать счет на ваше имя. За "замораживание" счета платить не нужно.</p><h3 data-block-key="7f9pm">Запрос о сообщении о мошенничестве</h3><p data-block-key="aomu7">Если вы полагаете, что вы пострадали (или в скором времени пострадаете) от хищения персональных данных или мошенничества - вы можете внести в свой кредитный отчет сообщение о мошенничестве. Сообщение о мошенничестве требует от заимодавцев того, чтобы они предприняли действия для проверки вашей личности до того, как будут открывать новый счет по вашему запросу, или выдадут дополнительную кредитную карточку, или увеличат лимит кредитования по существующему счету. Вы также можете предоставить номер телефона, чтобы заимодавцы могли позвонить вам и подтвердить вашу личность (сообщение о мошенничестве не будет запрещать заимодавцу предоставлять кредит на ваше имя).</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="1k6no">СОВЕТ</h3><p data-block-key="7879s">Если вы подозреваете, что в результате хищения ваших личных данных в ваш отчет попала ошибка - вам нужно обжаловать отчет, чтобы исправить ее. Если вы хотите получить информацию о том, как избежать похищения ваших личных данных и о том, какие действия вы можете предпринять, если вы пострадали от хищения ваших данных - вы также можете зайти на веб-сайт по борьбе с хищением личных данных Федеральной комиссии по вопросам торговли: <a class="a-link a-link__icon" href="https://www.ftc.gov/idtheft"><span class="a-link_text">ftc.gov/idtheft</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h2 data-block-key="s8m89">Для военнослужащих: подумайте о том, что можно внести сообщение о переходе на действительную военную службу</h2><p data-block-key="d9jj6">Если вы военнослужащий и находитесь на действительной военной службе - вы можете внести в кредитный отчет "сообщение о действительной военной службе", чтобы снизить риск хищения персональных данных. Такое сообщение позволит потенциальному заимодавцу знать о том, что вы находитесь на действительной военной службе и можете находиться за пределами страны. Поэтому заимодавец будет обязан сделать соответствующие шаги по проверке вашей личности перед тем, как предоставить кредит на ваше имя. Вы также можете попросить, чтобы Equifax, TransUnion и Experian осуществляли бесплатный мониторинг вашего кредитного рейтинга. Дополнительную информацию можно найти на веб-сайте бюро CFPB, раздел "Кредитные отчеты и рейтинги" (Credit reports & scores).</p><p data-block-key="1h1n3">Если вы ветеран, то некоторые типы медицинских долгов могут быть удалены из вашего кредитного отчета. Вам нужно будет оспорить информацию, которая имеется в бюро кредитных историй, и предоставить доказательства того, что Администрация по делам ветеранов будет отвечать за такой долг или уже занимается процедурой по его оплате.</p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Будьте в курсе
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="sxb5x">Подпишитесь, чтобы получать информацию о помощи, доступной на разных языках</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Эл. почта
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">Подписаться</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                См. заявление касательно закона «О неприкосновенности частной жизни»
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ЗАКАЗАТЬ И СКАЧАТЬ ПУБЛИКАЦИИ
+            </h2>
+        </header>
+    <p data-block-key="3td39">Бесплатные публикации на разных языках, охватывающие широкий круг тем, которые вы можете заказать в печатном виде или скачать.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a class="m-list_link a-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"><span class="a-link_text">Поиск публикации</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПОМОЩЬ НА РАЗНЫХ ЯЗЫКАХ И ДЛЯ НОВОПРИБЫВШИХ
+            </h2>
+        </header>
+    <p data-block-key="3td39">В США финансовые продукты и услуги обычно описываются на английском языке. Если у человека основным языком общения является какой-либо другой язык, ему может быть сложно понять и использовать эти продукты и услуги.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a href="/language"
+                  class="m-list_link">См. ресурсы о помощи на разных языках и для новоприбывших</a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПЛАН ЯЗЫКОВОГО ДОСТУПА
+            </h2>
+        </header>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
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diff --git a/www.consumerfinance.gov/language/ru/credit-card-key-terms/index.html b/www.consumerfinance.gov/language/ru/credit-card-key-terms/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/credit-card-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            Submit a Complaint
+        </a>
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+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
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+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
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+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
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+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       href="/compliance/supervision-examinations/"
+       >
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+    >
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
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+                aria-label="Compliance"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
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+    </div>
+        </div>
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
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+            Навигация по этому разделу
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+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
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+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit card key terms (in Russian)</div>
+<h1>Основные термины для кредитной карты</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-card-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-card-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/credit-card-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/credit-card-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-card-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/credit-card-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-card-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Годовая процентная ставка (Annual percentage rate - APR)</b></h2><p data-block-key="8fn37">APR, или годовая процентная ставка, является стандартным способом сравнения стоимости кредитов. Он позволяет сравнивать стоимость кредитных продуктов по принципу «сравнивать яблоки с яблоками». Компания, выпустившая вашу кредитную карту, должна раскрыть информацию о годовой процентной ставке, прежде чем вы согласитесь использовать карту.</p><p data-block-key="5eu13">Чтобы рассчитать APR, процентная ставка и сборы сравниваются с суммой, которую вы занимаете, и расчет проводится для периода в один год. Это позволяет сравнить стоимость кредитной карты с шестимесячным кредитом с погашением в рассрочку. Именно поэтому APR часто отличаются от простых процентных ставок.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Перевод остатка (Balance transfer)</b></h2><p data-block-key="58h2v">Перевод остатка позволяет переместить непогашенный остаток задолженности с одной кредитной карты на другую, иногда за определенный сбор. Сбор обычно составляет определенный процент от суммы перевода или фиксированную сумму, в зависимости от того, что больше. Многие компании, выпускающие кредитные карты, предлагают беспроцентные или низкопроцентные переводы остатка, чтобы предложить вам консолидировать свой долг на одной кредитной карте. Стимулирующая процентная ставка для большинства переводов остатка действует в течение ограниченного времени. После этого процентная ставка по вашей новой кредитной карте может вырасти, увеличив сумму платежа.</p><p data-block-key="75k4t">Если вы просрочили платеж более чем на 60 дней, компания-эмитент кредитной карты может увеличить вашу процентную ставку по всем остаткам, включая переведенный остаток.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Кредитовый остаток (Credit balance)</b></h2><p data-block-key="ftbug">Кредитовый остаток на счету — это сумма, которую эмитент карты должен вам.</p><p data-block-key="ck4m4">Кредиты добавляются к вашему счету каждый раз, когда вы делаете платеж. Он также может быть добавлен, когда вы возвращаете что-то, купленное с помощью кредитной карты, или из-за заработанных вами вознаграждений, или из-за ошибки в предыдущем счете. Если общая сумма кредитов превышает сумму, которую вы должны, в выписке отображается кредитовый остаток.</p><p data-block-key="d6b1j"><a class="" data-pretty-href="cfpb.gov/askcfpb/42" href="/ask-cfpb/there-is-a-credit-balance-shown-on-my-statement-what-is-a-credit-balance-en-42/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Ежедневная периодическая процентная ставка (Daily periodic rate)</b></h2><p data-block-key="2gs87">Некоторые эмитенты карт рассчитывают проценты по счету, используя ежедневную периодическую процентную ставку, которая используется для расчета процентов путем умножения ставки на сумму, причитающуюся в конце дня. Эта сумма процентов затем добавляется к балансу предыдущего дня, что означает, что проценты начисляются ежедневно.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Льготный период (Grace period)</b></h2><p data-block-key="eomv6">Льготный период — это период между окончанием платежного цикла и датой наступления срока платежа. В течение этого времени с вас не могут взимать проценты, если вы полностью погасите остаток в установленный срок. Компании-эмитенты кредитных карт не обязаны предоставлять льготный период. Однако большинство кредитных карт предоставляют льготный период на покупки.</p><p data-block-key="4kn0"><a class="" data-pretty-href="cfpb.gov/askcfpb/47" href="/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Процентная ставка (Interest rate)</b></h2><p data-block-key="8nf2s">Процентная ставка по кредитной карте — это цена, которую вы платите за то, что берете деньги в долг. Для кредитных карт процентные ставки обычно указываются в виде годовой ставки, которая называется годовой процентной ставкой (APR). По большинству карт можно не платить проценты за покупки, если ежемесячно полностью оплачивать остаток к установленному сроку.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Предложение кредитной карты с предварительной проверкой (Prescreened credit card offer)</b></h2><p data-block-key="557c6">Предложение кредитной карты с предварительной проверкой происходит, когда компании-эмитенты кредитных карт используют информацию от компаний, предоставляющих кредитные отчеты, чтобы сделать твердые предложения кредита вам, если ваша кредитная история соответствует критериям, выбранным компанией-эмитентом.</p><p data-block-key="d60nt"><a class="" data-pretty-href="cfpb.gov/askcfpb/1" href="/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Несанкционированное использование (Unauthorized use)</b></h2><p data-block-key="4u7g5">Как правило, несанкционированное использование — это использование кредитной карты лицом, не имеющим права использовать карту. Например, если вы потеряете свою карту, а кто-то ее найдет и воспользуется, это будет считаться несанкционированным использованием.</p><p data-block-key="8jl58"><a class="" data-pretty-href="cfpb.gov/askcfpb/26" href="/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/">Подробнее (на английском языке)</a></p>
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diff --git a/www.consumerfinance.gov/language/ru/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/ru/credit-reports-and-scores-key-terms/index.html
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@@ -0,0 +1,1484 @@
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+                aria-label="Consumer Education"
+                >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Resources for Yourself
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+       >
+        Resources for Helping Others
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       href="/rules-policy/final-rules/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Petitions for Rulemaking
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+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
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+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+       href="/data-research/financial-well-being-survey-data/"
+       >
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+                >
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+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
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+     </nav>
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+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit reports and scores key terms (in Russian)</div>
+<h1>Основные термины кредитных отчетов и рейтингов</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-reports-and-scores-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-reports-and-scores-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/credit-reports-and-scores-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/credit-reports-and-scores-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-reports-and-scores-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/credit-reports-and-scores-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-reports-and-scores-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Запрос кредитной информации (Credit inquiry)</b></h2><p data-block-key="1k21v">Запрос относится к просьбе ознакомиться с вашей кредитной историей, и обычно он подразделяется на один из двух типов.</p><p data-block-key="306fo"><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><span id="creditinvisible"><b>Кредитные невидимки (Credit invisible)</b></span></h2><p data-block-key="al17f">В 2015 году мы <a href="/about-us/blog/who-are-credit-invisible/">опубликовали отчет</a>, в котором говорится, что 26 миллионов американцев являются «кредитными невидимками». Эта цифра показывает, что каждый десятый взрослый не имеет кредитной истории в одной из трех общенациональных компаний, предоставляющих кредитную отчетность. Еще 19 миллионов потребителей имеют «неподдающиеся оценке» кредитные досье, что означает, что их досье неполноценное и имеет недостаточную кредитную историю (9,9 миллиона) или у них устаревшие файлы и отсутствует какая-либо недавняя кредитная история (9,6 миллиона). В целом, 45 миллионов потребителей могут быть лишены доступа к кредиту, потому что у них нет кредитной истории, которую можно было бы оценить. Люди, кредитная история которых не видна или не поддается оценке, как правило, не имеют доступа к качественному кредиту и могут столкнуться с рядом проблем, от попытки получить кредит до аренды квартиры.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Служба кредитного мониторинга (Credit monitoring service)</b></h2><p data-block-key="867cd">Служба кредитного мониторинга — это коммерческая служба, которая взимает с вас плату за просмотр ваших <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">кредитных отчетов</a> и оповещение вас об изменениях в счетах, перечисленных в вашем кредитном отчете.</p><p data-block-key="e7rl3"><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Кредитный отчет (Credit report)</b></h2><p data-block-key="1bsr">Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Компания кредитных историй (Credit reporting company)</b></h2><p data-block-key="fds5v">Компании кредитных историй, также известные как бюро кредитных историй или агентства по предоставлению информации о кредитоспособности потребителей, представляют собой компании, которые составляют и продают кредитные отчеты.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Кредитный рейтинг (Credit score)</b></h2><p data-block-key="6ijgk">Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Важно знать, что у вас есть не только «один» кредитный рейтинг, а существует множество кредитных рейтингов, доступных как вам, так и кредиторам. Любой кредитный рейтинг зависит от данных, используемых для его расчета, и может отличаться в зависимости от рейтинговой модели, источника вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Закон о точной отчетности по кредитам (Fair Credit Reporting Act)</b></h2><p data-block-key="dnb9i">Федеральный Закон о точной отчетности по кредитам (FCRA) способствует обеспечению точности, справедливости и конфиденциальности информации в файлах агентств по предоставлению информации о кредитоспособности потребителей. Существует много типов агентств по предоставлению информации о кредитоспособности потребителей, включая бюро кредитной информации и специализированные агентства (например, агентства, которые продают информацию об историях выписки чеков, медицинских записях и записях об истории аренды). <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">Узнайте больше о ваших основных правах в соответствии с FCRA</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Рейтинг FICO (FICO score)</b></h2><p data-block-key="1hs4f">Рейтинг FICO® — это особый вид кредитного рейтинга.</p><p data-block-key="26r0p"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>Предупреждение о мошенничестве (Fraud alert)</b></h2><p data-block-key="ap9kl">Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета на основании запроса потребителя. Когда вы размещаете предупреждение о мошенничестве в своем <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">кредитном отчете</a> в одной из общенациональных кредитных компаний, она должна уведомить другие компании. Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения.</p><p data-block-key="fj6a"><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>Мониторинг личных данных или защита от хищения личных данных (Identity monitoring or identity theft proection)</b></h2><p data-block-key="2vnna">Службы защиты от хищения личных данных отслеживают данные, идентифицирующие личность, в кредитных заявках, общедоступных записях, веб-сайтах и других местах на предмет любых необычных действий, которые могут быть признаками хищения личных данных.</p><p data-block-key="2p84n"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">Подробнее (на английском языке)</a></p><p data-block-key="evehh"><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>Кража личных данных (Identity theft)</b></h2><p data-block-key="4csls">Кража личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества. Кража ваших личных данных может означать использование личной информации без вашего разрешения, например:</p><ul><li data-block-key="9eec4">Ваше имя и фамилия</li><li data-block-key="c8qki">Номер социального обеспечения</li><li data-block-key="8b0m1">Номер кредитной карты<br/><br/></li></ul><hr/><h2 data-block-key="8qib"><br/><b>Предупреждение для лиц на действительной военной службе (Military active duty alert)</b></h2><p data-block-key="6418v">Военнослужащие (например, военнослужащие морской пехоты, армии, флота, военно-воздушных сил и береговой охраны) могут запросить предупреждение для лиц на действительной военной службе. Когда вы размещаете предупреждение для лиц на действительной военной службе в своем кредитном отчете, кредиторы должны предпринять разумные шаги, чтобы убедиться, что лицо, делающее запрос, действительно является вами, прежде чем открывать счет, выпускать дополнительную кредитную карту для существующего счета или увеличивать кредитный лимит на вашем счете. Предупреждения для лиц на действительной военной службе действуют в течение 12 месяцев. Ваше имя также будет в течение двух лет удалено из общенациональных списков компаний, предоставляющих кредитные отчеты для предварительной проверки маркетинговых предложений по кредитам и страхованию.<br/><br/></p><hr/><h2 data-block-key="562ft"><br/><b>Уплаченный просроченный долг (Paid collection)</b></h2><p data-block-key="ffo7m">Уплаченный просроченный долг — это счет, который подлежал взысканию, потому что был просрочен, а затем был оплачен.</p><p data-block-key="6le4v"><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="/ask-cfpb/what-is-a-paid-collection-en-1383/">Подробнее (на английском языке)</a><br/><br/></p><hr/><h2 data-block-key="3hiut"><br/><b>Замораживание кредита (Security freeze)</b></h2><p data-block-key="fnukv">«Замораживание кредита» в вашем кредитном отчете не позволяет новым кредиторам получить доступ к вашей кредитной истории, а другим лицам — открывать счета на ваше имя до тех пор, пока вы не снимете замораживание. Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя.<br/><br/></p><hr/><h2 data-block-key="fnlui"><br/><b>Компания по предоставлению информации о кредитоспособности потребителей (Specialty consumer reporting company)</b></h2><p data-block-key="5tsiv">Компании, предоставляющие информации о кредитоспособности потребителей, собирают и обмениваются информацией о вашей истории трудоустройства, истории транзакций с бизнесом или истории погашения кредита за конкретный продукт или услугу.<br/><br/></p><hr/><h2 data-block-key="blqfc"><br/><b>Отчет о проверке арендатора (Tenant screening report)</b></h2><p data-block-key="6cnia">Отчет, используемый арендодателями для принятия решений о возможных арендаторах. Отчет о проверке арендатора может содержать информацию из многих источников, включая вашу историю аренды и кредитные отчеты.</p><p data-block-key="ak3mh"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">Подробнее (на английском языке)</a></p><p data-block-key="7nhro"></p><hr/><h2 data-block-key="9ebls"><br/><b>Неполноценное кредитное досье / Отсутствие кредитного досье (Thin credit file / No credit file)</b></h2><p data-block-key="eugsb">Неполноценное кредитное досье или отсутствие кредитного досье означает, что у человека нет кредитной истории или недостаточно текущей кредитной истории для получения кредитного рейтинга. Смотрите раздел: <a href="#creditinvisible">Кредитные невидимки</a></p>
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diff --git a/www.consumerfinance.gov/language/ru/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/ru/debt-collection-key-terms/index.html
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index 000000000000..bfbef28b8f09
--- /dev/null
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+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+             / 
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+                    CFPB in Russian
+                </a>
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+            o-secondary-nav__no-children"
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+                   o-secondary-nav_list__parents">
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Russian)</div>
+<h1>Основные термины по взысканию задолженности</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/debt-collection-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/debt-collection-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/debt-collection-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/debt-collection-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/debt-collection-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/debt-collection-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/debt-collection-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Кредитный консультант (Credit counselor)</b></h2><p data-block-key="93a7a">Кредитные консультанты могут помочь в следующих случаях:</p><ul><li data-block-key="c7e9r">Консультировать вас по управлению вашими деньгами и долгами</li><li data-block-key="88h3t">Помочь составить бюджет</li><li data-block-key="3njau">Обычно предлагают бесплатные учебные материалы и семинары</li><li data-block-key="au7ge">Как правило, <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">кредитные консультанты</a> сертифицированы и обучены в области потребительского кредита, управления денежными средствами и долгом, а также составления бюджета. Консультанты обсудят с вами всю вашу финансовую ситуацию и помогут разработать индивидуальный план решения ваших денежных проблем.<br/></li></ul><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>Правило взыскания задолженности (Debt Collection Rule)</b></h2><p data-block-key="b677a">Бюро по защите прав потребителей финансовых услуг (CFPB) издало «правила», вступившие в силу 30 ноября 2021 года, которые разъясняют и толкуют федеральный Закон о добросовестной практике взыскания задолженности (FDCPA).</p><p data-block-key="4pncp"><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>Коллектор задолженности (Debt collector)</b></h2><p data-block-key="sf2a">В соответствии с федеральным Законом о добросовестной практике взыскания задолженности взысканием задолженности обычно занимается физическое лицо или компания, которые регулярно осуществляют взыскание задолженностей, причитающиеся другим, обычно когда эти долги просрочены.</p><p data-block-key="8bt1g">К коллекторам задолженности относятся агентства по взысканию задолженности или юристы, которые осуществляют взыскание задолженностей как часть своего бизнеса. Существуют также компании, которые покупают просроченные задолженности у кредиторов или других бизнесов, а затем пытаются их взыскать. Эти коллекторы задолженностей также называются агентствами по взысканию задолженностей, компаниями по взысканию задолженностей или покупателями задолженностей.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Услуги по урегулированию (выплате) задолженности (Debt settlement (relief) services)</b></h2><p data-block-key="ajsta">Компании по урегулированию задолженности — это компании, которые заявляют, что могут пересмотреть, урегулировать или каким-либо образом изменить условия задолженности человека перед кредитором или коллектором задолженности. Работа с компаниями по урегулированию задолженности может быть рискованной. <a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">Читать подробнее</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Закон о добросовестной практике взыскания задолженности (Fair Debt Collection Practices Act - FDCPA)</b></h2><p data-block-key="au8sc">Закон о добросовестной практике взыскания задолженности (FDCPA) является основным федеральным законом, регулирующим практику взыскания задолженности. FDCPA запрещает компаниям по взысканию задолженности использовать оскорбительные, несправедливые или вводящие в заблуждение методы для взыскания ваших задолженностей. <a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/">Ознакомьтесь с подробной</a> информацией о ваших правах в соответствии с законом FDCPA.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Наложение ареста на имущество должника у третьего лица (Garnishment)</b></h2><p data-block-key="ee42t"><a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">Удержание задолженности из заработной платы или с банковского счета</a> происходит, когда кредитор забирает часть вашей зарплаты или денег с вашего банковского счета для взыскания задолженности. Наложение ареста на имущество должника у третьего лица обычно требует судебного приказа на основании <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">судебного решения</a>. Однако некоторые долги государству также могут привести к наложению ареста на имущество должника у третьего лица, даже без судебного решения.</p><p data-block-key="5r1s7">Законы штата и федеральные законы имеют ограничения или «исключения», в отношении сумм, которые берутся с банковского счета и заработной платы, обычно для того, чтобы убедиться, что у вас остались средства на жизнь. Также нарушением Закона о добросовестной практике взыскания задолженности (FDCPA) является угроза со стороны коллектора, что на вашу заработную плату будет наложен арест, если ваша заработная плата не может быть арестована на законных основаниях.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Преследование со стороны коллектора задолженности (Harassment by a debt collector)</b></h2><p data-block-key="1ajlm">В Законе о добросовестной практике взыскания задолженности (FDCPA) говорится, что коллекторы задолженности не могут преследовать, притеснять или оскорблять вас или кого-либо еще, с кем они контактируют.</p><p data-block-key="9jof7">Притеснения со стороны коллекторов задолженности могут принимать разные формы. Примеры включают повторяющиеся телефонные звонки, которые предназначены для того, чтобы раздражать, оскорблять или беспокоить вас или любого человека, отвечающего на звонок; нецензурная брань или ненормативная лексика; угрозы насилием или причинением вреда; публикация списков людей, которые отказываются платить по своим задолженностям (это не включает предоставление информации в кредитную компанию); и звонят без указания того, кто они такие.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Судебное решение (Judgment)</b></h2><p data-block-key="dtqv7">Судебное решение является официальным результатом судебного разбирательства. В исках о взыскании задолженности судья может вынести решение против вас в пользу кредитора или <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">коллектора задолженности</a>. Если вы не ответите на юридическое заявление о возбуждении дела, вы потеряете возможность защитить себя и можете обнаружить, что против вас вынесено судебное решение.</p><p data-block-key="62qmf">Если кто-то подает на вас в суд или если кто-то получил судебное решение против вас, и вы не знаете, что делать, проконсультируйтесь с адвокатом. Некоторые адвокаты могут предлагать бесплатные услуги или взимать сниженную плату. В вашем районе также могут быть <a class="a-link a-link__icon" href="http://www.lsc.gov/find-legal-aid"><span class="a-link_text">бюро юридической помощи или юридические клиники</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>, которые будут предлагать свои услуги бесплатно, если вы соответствуете определенным критериям. Военнослужащие должны проконсультироваться в своем <a class="a-link a-link__icon" data-pretty-href="https://legalassistance.law.af.mil/" href="/external-site/?ext_url=https%3A%2F%2Flegalassistance.law.af.mil%2F&amp;signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU"><span class="a-link_text">местном офисе военно-юридической службы JAG</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.<br/></p><hr/><h2 data-block-key="3158p"><br/><b>Сообщение с ограниченным содержанием (Limited-Content Message)</b></h2><p data-block-key="3ra3e">В соответствии с Правилом взыскания задолженностей (Debt Collection Rule) это сообщение голосовой почты для потребителя, которое должно содержать определенную необходимую информацию и может содержать другой необязательный контент.</p><p data-block-key="2q2t0"><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">Подробнее (на английском языке)</a><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>Первоначальный кредитор (Original creditor)</b></h2><p data-block-key="f2ft8">В общем случае, первоначальным кредитором является компания, которая предоставила вам ссуду или кредит. Первоначальный кредитор может попытаться взыскать просроченный кредитный счет самостоятельно или нанять коллектора задолженности. Первоначальный кредитор также может продать ваш кредитный счет коллектору задолженности. Коллектор задолженности — это, как правило, третье лицо, с которым был заключен контракт специально для взыскания задолженности вашего счета, или кто-то, кто приобрел его у первоначального кредитора или другого коллектора задолженности или покупателя задолженности.<br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>Срок</b> <b>исковой</b> <b>давности (Statute of limitations)</b></h2><p data-block-key="8nt3s">Срок исковой давности — это ограниченный период времени, в течение которого кредиторы или коллекторы задолженности должны <a class="" data-pretty-href="cfpb.gov/askcfpb/334" href="/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/">подать иск в суд для взыскания</a> задолженности. Большинство сроков исковой давности составляют от трех до шести лет, хотя в некоторых юрисдикциях они могут быть дольше. Сроки исковой давности могут различаться в зависимости от законов штата, типа вашей задолженности или закона штата, указанного в вашем кредитном соглашении.<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>Уведомление о валидации (Validation Notice)</b></h2><p data-block-key="49l04">Коллектор задолженности обязан предоставить определенную информацию при первом общении с потребителем или вскоре после этого. Когда коллектор задолженности предоставляет эту необходимую информацию в электронном или письменном виде, это называется уведомлением о валидации.</p><p data-block-key="cd4ss"></p>
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+++ b/www.consumerfinance.gov/language/ru/fraud-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Compliance
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+                    CFPB in Russian
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/mortgages-key-terms/>
+    Основные термины ипотеки
+</a>
+</li>
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+</nav>
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+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Russian)</div>
+<h1>Основные термины по мошенничеству и аферам</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
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+                translate="no">English
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+            </li>
+            <li>
+                <a href="/language/zh/fraud-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/fraud-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/fraud-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/fraud-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/fraud-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Финансовая эксплуатация пожилых людей (Elder financial exploitation)</b></h2><p data-block-key="5mlla">Финансовая эксплуатация пожилых людей — это незаконное или ненадлежащее использование средств, имущества или активов пожилых людей. Это наиболее распространенная форма жестокого обращения с пожилыми людьми, но сообщается лишь о небольшой части таких случаев.<br/></p><p data-block-key="ecp1l">Преступниками могут быть незнакомцы, завоевавшие доверие пожилых людей, но это также могут быть члены семьи или друзья. Важно знать настораживающие признаки.</p><p data-block-key="fm56j"><a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">Подробнее (на английском языке)</a>.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Мошенническое предложение помощи при потере права выкупа (Foreclosure relief scam)</b></h2><p data-block-key="7o13g">Мошенническое предложение помощи при потере права выкупа и модификации ипотечного кредита — это схемы, направленные на то, чтобы забрать ваши деньги или ваш дом, часто путем ложного обещания спасти вас от потери права выкупа. Эти мошенники могут попросить деньги заранее и гарантировать, что вы можете изменить условия ипотеки. Если у вас возникли проблемы с выплатой ипотечного кредита, консультационное агентство, одобренное Министерством жилищного строительства и городского развития США (HUD), может бесплатно помочь вам с выбором вариантов.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Предупреждение о мошенничестве для его предотвращения (Fraud alert for prevention)</b></h2><p data-block-key="29m7j">Предупреждение о мошенничестве — это то, что вы можете использовать, чтобы уменьшить вероятность того, что вы станете жертвой хищения личных данных для создания нового счета. Предупреждение о мошенничестве требует, чтобы кредиторы, проверяющие ваш кредитный отчет, предприняли шаги для подтверждения вашей личности перед открытием нового счета, выпуском дополнительной карты или увеличением кредитного лимита существующего счета. Когда вы размещаете предупреждение о мошенничестве в своем кредитном отчете в одной из общенациональных кредитных компаний, эта компания должна уведомить другие.</p><p data-block-key="79mc4">Существует два основных типа предупреждений о мошенничестве: начальные предупреждения о мошенничестве и расширенные предупреждения. Военнослужащим доступна дополнительная опция — предупреждение для лиц на действительной военной службе, которое обеспечивают защиту военнослужащих, пока они находятся на действительной службе.</p><p data-block-key="b54sj"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="https://www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Подробнее (на английском языке)</a>.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Мошенничество со стороны фидуциариев (Fraud by fiduciaries)</b></h2><p data-block-key="cegde">Фидуциарий — это лицо, которое управляет деньгами или имуществом кого-то другого. Например, агенты, действующие по доверенности, и назначенные судом опекуны являются фидуциариями.</p><p data-block-key="fkhnl">Когда вас назначают фидуциарием, по закону вы обязаны управлять деньгами и имуществом человека в его или ее интересах, а не в ваших интересах. Когда фидуциарий тратит деньги в своих интересах, это может являться мошенничеством.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Хищение личных данных (Identity theft)</b></h2><p data-block-key="634f8">Хищение личных данных происходит, когда кто-то крадет ваши личные данные для совершения мошенничества.</p><p data-block-key="8o8u7">Кража ваших личных данных может означать использование личной информации без вашего разрешения, такой как ваше имя и фамилия, номер социального обеспечения, информация о банковском счете или номер кредитной карты. <a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text">Федеральная торговая комиссия (Federal Trade Commission) предлагает информацию</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> о предотвращении хищения личных данных и реагировании на нее.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Мошенничество самозванцев (Imposter scams)</b></h2><p data-block-key="7pekq">Мошенники-самозванцы пытаются убедить вас отправить деньги, выдавая себя за человека, которого вы знаете или которому доверяете, например, за шерифа, сотрудника местного, штатного или федерального правительства или благотворительной организации. Помните, что идентификатор вызывающего абонента может быть поддельным. Вы всегда можете позвонить в организацию или государственное учреждение и спросить, работает ли у них этот человек, прежде чем давать какие-либо деньги.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Мошенничество с использованием почты (Mail fraud)</b></h2><p data-block-key="1hshc">Письма при мошенничестве с использованием почты выглядят настоящими, но содержащиеся в них обещания являются ложными. Типичный настораживающий признак — это письмо с просьбой отправить деньги или личную информацию сейчас, чтобы получить что-то ценное после того, как вы отправите деньги или информацию.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Фишинг (Phishing)</b></h2><p data-block-key="4c4r5">При фишинге мошенник выдает себя за компанию или человека, чтобы обманом заставить вас сообщить свои личные данные, например пароли, номера кредитных карт или информацию о банковских счетах. Мошенник может использовать фальсифицированные электронные письма, текстовые сообщения или веб-сайты, чтобы украсть у вас эту информацию. Эти электронные письма могут выглядеть подлинными.<br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>«Замораживание кредита» для предотвращения мошенничества (Security freeze for prevention)</b></h2><p data-block-key="2nher">«Замораживание кредита» не позволяет новым кредиторам получить доступ к вашему кредитному досье, а другим лицам не позволяет открывать на ваше имя счета, требующие проверки кредитоспособности, до тех пор, пока вы не отмените замораживание.</p><p data-block-key="b4n5u">Поскольку большинство бизнесов не откроют кредитные счета без проверки вашего кредитного отчета, замораживание может помешать похитителям личных данных открыть новые счета на ваше имя. Имейте в виду, что замораживание кредита не помешает похитителям личных данных завладеть существующими счетами.</p><p data-block-key="317k4"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Подробнее (на английском языке)</a>.</p><p data-block-key="fj6a"><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>Спуфинг (Spoofing)</b></h2><p data-block-key="4qac6">Спуфинг происходит, когда вызывающий абонент маскирует информацию, отображаемую в вашем идентификаторе вызывающего абонента. Это дает звонящему возможность замаскировать или «подделать» имя и/или номер телефона, чтобы это выглядело так, как будто он звонит как определенный человек из определенного места.</p><p data-block-key="evehh"><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>Мошенничество с электронными или денежными переводами (Wire or money transfer fraud)</b></h2><p data-block-key="41lb8">Некоторые мошенники обманом заставляют вас пересылать или переводить деньги, чтобы их у вас украсть. Одним из распространенных примеров мошенничества с электронными переводами денег является «мошенничество с бабушкой и дедушкой». Это происходит, когда мошенник, выдающий себя за внука или друга внука, звонит и говорит, что находится в чужой стране или в какой-то опасной ситуации, и ему нужно немедленно перевести или отправить деньги.</p>
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diff --git a/www.consumerfinance.gov/language/ru/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/ru/how-to-avoid-foreclosure/index.html
new file mode 100644
index 000000000000..3bb38a63a6e8
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/how-to-avoid-foreclosure/index.html
@@ -0,0 +1,1419 @@
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+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                    CFPB in Russian
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+    <div class="content_main  content__flush-bottom">
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+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Russian)</div>
+<h1>Как избежать лишения права выкупа</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
+                lang="en"
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+                translate="no">English
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+            </li>
+            <li>
+                <a href="/language/zh/how-to-avoid-foreclosure/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/how-to-avoid-foreclosure/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/how-to-avoid-foreclosure/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/how-to-avoid-foreclosure/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/how-to-avoid-foreclosure/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">Самое важное, что вы можете сделать, когда у вас возникают проблемы с выплатой ипотечного кредита, — это взять ситуацию под контроль. В большинстве случаев худшее из того, что вы можете сделать, это ничего не делать. Взять ситуацию под контроль означает предпринять четыре шага:</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc"><b>1. Позвоните о помощи или отвечайте на звонки с предложением помощи</b></h2><p data-block-key="6sjr7">Взять ситуацию под свой контроль, отвечая на звонки вашего сервисного агента по ипотеке. Еще лучше позвонить своему сервисному агенту по ипотеке, как только вы узнаете, что не можете внести свой ежемесячный платеж. Номер телефона указан в ежемесячном счете. Сообщите своему сервисному агенту, почему вы не можете внести свой ежемесячный платеж, и попросите его помочь избежать лишения права выкупа.</p><h2 data-block-key="4hk99"><b>2. Обратитесь за бесплатной помощью к специалисту</b></h2><p data-block-key="agrg1">Ваш сервисный агент может помочь, если у вас возникнут проблемы с платежами по кредиту. Если вы не можете получить то, что вам нужно, от сервисного агента, обратитесь за помощью к специалисту в консультационные агентства по жилищным вопросам рядом с вами. Консультанты могут разработать индивидуальный план действий и помочь вам работать с вашей ипотечной компанией. Посетите веб-сайт <a href="http://www.consumerfinance.gov/mortgagehelp">consumerfinance.gov/mortgagehelp (читать на английском)</a> или позвоните по телефону <a href="tel:(800)-569-4287">(800)-569-4287</a> и введите свой почтовый индекс, чтобы найти консультанта по жилищным вопросам, одобренного HUD (Министерством жилищного строительства и городского развития США).</p><h2 data-block-key="f8u0"><b>3. Разоблачайте мошенников</b></h2><p data-block-key="6dtu5">Мошенники пытаются использовать в своих интересах домовладельцев, попавших в беду, беря с них большие деньги — даже тысячи долларов — за ложные обещания помощи. Вы не должны платить никому за то, чтобы помочь вам избежать лишения права выкупа. Помощь, в которой вы нуждаетесь, может быть предоставлена бесплатно вашим сервисным агентом или консультационным агентством по вопросам жилья, одобренным HUD.</p><h2 data-block-key="2jml7"><b>4. Подайте заявление на помощь</b></h2><p data-block-key="f5o7l">Ваш сервисный агент кредита должен связаться с вами, предоставить вам точную информацию и сообщить вам о вариантах уменьшения убытков, на которые вы можете иметь право. Уменьшение убытков относится к способам, с помощью которых ваш сервисный агент может работать с вами, чтобы избежать лишения права выкупа. Если вы отправите заполненное заявление своему сервисному агенту ипотеки достаточно рано, ваш сервисный агент ипотеки должен будет сообщить вам о вариантах, которые у вас есть, чтобы сохранить свой дом или, если это более целесообразно, покинуть свой дом.</p><p data-block-key="7qjus">Жилищные консультанты имеют большой опыт оказания помощи людям для предотвращения лишения права выкупа. Они могут помочь вам со сложными шагами, чтобы понять ваши варианты и обратиться за помощью.</p><p data-block-key="bilf6">Ваш сервисный агент по ипотеке не может направить первое уведомление или подать заявление о лишении права выкупа,пока вы не задержите свои платежи более чем на 120 дней. Кроме того, когда вы подаете полное заявление на получение ипотечной помощи достаточно рано, сервисный агент по ипотеке не может начать процесс лишения права выкупа, пока вас оценивают или если вы выполняете требования по модификации кредита. Поэтому делайте это без промедления. Чем раньше вы заполните заявление, тем больше защиты вы получите.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="2n95u">Как распознать мошенничество, связанное с лишением права выкупа</h2><p data-block-key="ebkoc">Мошенники в области лишения права выкупа могут обещать вам спасти ваш дом от лишения права выкупа, хотя на самом деле они просто забирают ваши деньги.</p><p data-block-key="2480f">Обратите внимание на следующие настораживающие признаки мошенничества:</p><ul><li data-block-key="4r1q9">Вас просят предварительно заплатить за помощь.</li><li data-block-key="580n6">Компания гарантирует, что условия вашей ипотеки будут изменены.</li><li data-block-key="7hp3c">Компания гарантирует, что вы не потеряете свой дом.</li><li data-block-key="9v8jv">Вас просят передать право собственности на ваш дом или подписать другие документы, содержание которых вы не понимаете.</li><li data-block-key="7enkb">Вам предлагают отправить платеж кому-то другому, а не вашей ипотечной компании или сервисному агенту.</li><li data-block-key="b5tmg">Компания предлагает выполнить «судебно-бухгалтерскую экспертизу».</li><li data-block-key="21qe3">Вам предлагают прекратить платежи по ипотеке.</li></ul><p data-block-key="ajagm">Компания утверждает, что она связана с правительством, или использует логотип, который выглядит как государственная печать, но с незначительными отличиями.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc">Подайте жалобу на финансовый продукт или услугу</h2><p data-block-key="akjsp">Каждую неделю мы отправляем компаниям для ответа более 10 000 жалоб на финансовые продукты и услуги. Если другое агентство сможет оказать более эффективную помощь, мы отправим вашу заявку им и сообщим вам. Большинство компаний отвечают в течение 15 дней.</p><ul><li data-block-key="7p9ta"><a href="/complaint/">Онлайн (Читать на английском)</a></li><li data-block-key="1to7h"><b>Или позвоните по телефону</b> <a href="tel:(855) 411-2372"><b>(855)</b> <b>411-2372</b></a> <b>для получения помощи на английском,</b> и 180 других языках. Время ожидания ответа обычно составляет менее 1 минуты. Ваша жалоба будет переведена на английский язык и отправлена компании для ответа. Когда компания отвечает, она обычно делает это на английском языке, но вы можете позвонить нам, чтобы услышать перевод ответа.</li></ul>
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+                Информация о нас
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+    <p data-block-key="xs3hh">Мы являемся Бюро финансовой защиты потребителей (CFPB), государственное агентство США, которое следит за тем, чтобы банки, кредиторы и другие финансовые компании относились к вам справедливо.</p><p data-block-key="5qhh8"><a href="/about-us/the-bureau/">Узнайте о том, как CFPB может вам помочь (Читать на английском)</a></p>
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diff --git a/www.consumerfinance.gov/language/ru/how-to-rebuild-your-credit-ru/index.html b/www.consumerfinance.gov/language/ru/how-to-rebuild-your-credit-ru/index.html
new file mode 100644
index 000000000000..825d34bf8d85
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/how-to-rebuild-your-credit-ru/index.html
@@ -0,0 +1,1458 @@
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+<div aria-level="2" role="heading">
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+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
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+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to rebuild your credit (Russian)</div>
+<h1>Как можно восстановить свой кредитный рейтинг</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="oqirl">Если вы столкнулись с финансовыми проблемами - ваша кредитная история может пострадать от этого. Восстановление ее займет определенное время. Для достижения этой цели нет никаких кратких или секретных путей.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="a0cu6">Нижеуказанные действия могут помочь вам в этом вопросе</h2><h3 data-block-key="478j6">1. Всегда вовремя оплачивайте свои счета</h3><p data-block-key="2mcn2">"Вовремя" обозначает то, что оплата должна дойти до компании до той даты, когда счет должен быть оплачен. Если вы предоставляете оплату по почте - отправьте ее почтой за несколько дней до даты оплаты.</p><h3 data-block-key="75be6">2. Не приближайтесь к максимальной сумме своего кредитного лимита</h3><p data-block-key="7ms5e">Кредитные рейтинги учитывают то, насколько близко вы приближаетесь к максимальной сумме, которую вы можете истратить по кредитным карточкам. Если вы используете слишком большую часть своего кредитного лимита - это может отрицательно сказаться на вашем кредитном рейтинге. Некоторые эксперты советуют использовать не более 30 процентов от общей суммы кредитного лимита. Другие эксперты говорят, что необходимо использовать не более 10 процентов.</p><h3 data-block-key="92ac9">3. Не подавайте слишком много заявлений по получение кредитов в течение короткого отрезка времени</h3><p data-block-key="ernv">Ваш кредитный рейтинг может стать ниже в том случае, если в течение короткого отрезка времени вы подадите много заявлений или откроете много новых счетов. В число таких действий входит получение новой карточки, чтобы можно было перечислить туда балансы долгов, или открытие новой магазинной карточки, чтобы получить скидку.</p><h3 data-block-key="bodoo">4. Если вы не соответствуете требованиям на получение обычной кредитной карточки - попробуйте использовать карточку с обеспечением</h3><p data-block-key="8t3mi">Многие банки и кредитные союзы предлагают кредитные карточки с обеспечением. В большинстве случаев ваша кредитная линия по таким карточкам начнется с небольшой суммы. Вам нужно будет внести на свой счет в качестве депозита сумму, равную вашему лимиту кредитования.</p><p data-block-key="5gaj2">Со временем, когда вы продемонстрируете свою способность вовремя вносить оплату, ваш лимит кредитования может быть увеличен и, возможно, вам возвратят депозит. Оплата за обслуживание и процентная ставка для карточек с обеспечением могут быть высокими, однако использование таких карточек может помочь вам создать свою кредитную историю.</p><h3 data-block-key="8cs31">5. Если вы используете кредитную карточку для оплаты за товары или услуги - каждый месяц оплачивайте свой баланс по такой карточке</h3><p data-block-key="463lp">Кредитный рейтинг можно повысить при помощи кредитной карточки, если каждый раз вовремя оплачивать ее. Чтобы не платить издержки за финансирование - каждый месяц полностью оплачивайте свой баланс. Если вы будете каждый месяц полностью оплачивать свой баланс, вы также сможете улучшить свой кредитный рейтинг быстрее, чем при переносе баланса на следующий месяц потому, что так вам будет легче избегать приближения к своему лимиту кредитования.</p><h3 data-block-key="au43g">6. Продолжайте действовать в том же духе</h3><p data-block-key="93res">Кредитный рейтинг зависит от вашего общего поведения в отношении оплаты своих счетов, т.е. с течением времени. Чем дольше у вас существует кредит и вы вовремя оплачиваете его - тем больше существует информации, которая подтверждает вашу хорошую кредитоспособность.</p><h3 data-block-key="5s0d2">7. Проверяйте свои кредитные отчеты и сразу же исправляйте ошибки</h3><p data-block-key="5t8ro">В вашем кредитном отчете показывается ваше поведение в отношении кредитов и заимствования.</p><p data-block-key="fue6t">Один раз в 12 месяцев на сайте annualcreditreport.com вы имеете право бесплатно получить отпечатанную копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Equifax дополнительно предлагает шесть бесплатных кредитных отчетов каждые 12 месяцев до 31 декабря 2026 года. При посещении сайта возможно вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.</p><p data-block-key="e7fpm"> Вы также, возможно, обнаружите неправильную информацию, которая негативно влияет на ваш рейтинг. Если такая информация будет обнаружена - подайте заявление на обжалование ее в бюро кредитных историй и в компанию, которая была источником такой информации.</p><h3 data-block-key="6m426">Сколько времени обычно сохраняется негативная информация в кредитном отчете?  </h3><p data-block-key="cjh14"><b>Опоздание с оплатой: </b>7 лет</p><p data-block-key="eh2p5"><b>Банкротство на основании главы 13:</b> 7 лет</p><p data-block-key="53o29"><b>Банкротство на основании главы 7:</b> 10 лет</p><p data-block-key="32eg2"><b>Переход заложенного имущества в собственность залогодержателя:</b> 7 лет</p><p data-block-key="145im"><b>Судебные процедуры и судебные решения:</b> 7 лет или дольше</p><p data-block-key="9ac2e">В целом, негативная информация, которая была предоставлена недавно, оказывает большее влияние на ваш кредитный рейтинг, чем более старая информация.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="t9x3b">Нижеуказанные действия не помогают вам восстанавливать свой кредитный рейтинг</h3><ol><li data-block-key="dbvef"><b>Использование дебетовой карточки или оплата наличными. </b>Такие операции не помогают вам доказывать то, что вы можете погашать свою задолженность.</li><li data-block-key="70f0u"><b>Использование предоплаченных карточек. </b>Предоплаченная карточка-это ваши собственные деньги, которые были заранее помещены на такую карточку.</li><li data-block-key="2mk71"><b>Получение ссуды под залог будущей зарплаты.</b> Даже своевременное выполнение оплат может не оказаться полезным для улучшения вашего кредитного рейтинга.</li><li data-block-key="7br3o"><b>Получение кредита на покупку автомобиля у такого дилера, где оплату за кредит необходимо предоставлять самому дилеру</b> за исключением тех случаев, когда дилер в письменном виде обещает сообщать о ваших своевременных платежах.</li></ol>
+</div>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Будьте в курсе
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="sxb5x">Подпишитесь, чтобы получать информацию о помощи, доступной на разных языках</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Эл. почта
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">Подписаться</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                См. заявление касательно закона «О неприкосновенности частной жизни»
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ЗАКАЗАТЬ И СКАЧАТЬ ПУБЛИКАЦИИ
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diff --git a/www.consumerfinance.gov/language/ru/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/ru/mortgages-key-terms/index.html
new file mode 100644
index 000000000000..92f4a904b4d9
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/mortgages-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
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+                            Tiếng Việt
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+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
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+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
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+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
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+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
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+     data-js-hook="behavior_flyout-menu">
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+                   id="affiliate"
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+                   value="cfpb">
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+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Поиск</span>
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+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
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+<div class="o-mega-menu_content o-mega-menu_content-1"
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+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
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+<div aria-level="2" role="heading">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Notices and Opportunities to Comment
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
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+       >
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+       >
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+    >
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+       >
+        Press Releases
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       >
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+    <main class="u-layout-grid u-layout-grid__1-3
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+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Навигация по этому разделу
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/auto-loans-key-terms/>
+    Основные термины автокредита
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/bank-accounts-key-terms/>
+    Основные термины банковских счетов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-card-key-terms/>
+    Основные термины для кредитной карты
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/credit-reports-and-scores-key-terms/>
+    Основные термины кредитных отчетов и рейтингов
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/debt-collection-key-terms/>
+    Основные термины по взысканию задолженности
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/ru/fraud-key-terms/>
+    Основные термины по мошенничеству и аферам
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Основные термины ипотеки
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Mortgages key terms (in Russian)</div>
+<h1>Основные термины ипотеки</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/mortgages-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/mortgages-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/mortgages-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/mortgages-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/mortgages-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/mortgages-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/mortgages-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Ипотека с регулируемой процентной ставкой 5/1 (5/1 Adjustable Rate Mortgage)</b></h2><p data-block-key="53o5c">Ипотека с регулируемой процентной ставкой 5/1 (ARM) или 5-летняя ARM — это ипотечный кредит, где «5» — это количество лет, в течение которых ваша первоначальная процентная ставка будет оставаться фиксированной. «1» показывает, как часто ваша процентная ставка будет корректироваться после окончания первоначального пятилетнего периода. Наиболее распространенными фиксированными периодами являются 3, 5, 7 и 10 лет, а «1» — наиболее распространенный период регулирования ставки. Важно внимательно прочитать контракт и задать вопросы, если вы рассматриваете возможность использования ARM.</p><p data-block-key="20qmr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Узнайте больше об изменении регулируемых процентных ставок.</a><br/><br/><br/></p><hr/><h2 data-block-key="e8e37"><br/><b>Правило платежеспособности (Ability-to-repay rule)</b></h2><p data-block-key="nfqj">Правило платежеспособности — это разумное и добросовестное определение, которое большинство ипотечных кредиторов должны сделать о том, способны ли вы погасить кредит.</p><p data-block-key="cfghl"><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">Подробнее (на английском языке)</a></p><p data-block-key="fv15d"><br/></p><hr/><p data-block-key="1gt72"></p><h2 data-block-key="5dh6n"><b>Ипотека с регулируемой процентной ставкой (Adjustable Rate Mortgage - ARM)</b></h2><p data-block-key="cdt3n">Ипотека с регулируемой процентной ставкой (ARM) — это тип кредита, процентная ставка по которому может меняться, обычно в зависимости от индексной процентной ставки. Ваш ежемесячный платеж будет увеличиваться или уменьшаться в зависимости от первоначального периода кредита, верхних пределов процентных ставок и индексной процентной ставки. При ARM процентная ставка и ежемесячный платеж могут начаться ниже, чем для ипотеки с фиксированной процентной ставкой, но как процентная ставка, так и ежемесячный платеж могут существенно возрасти.<br/></p><p data-block-key="4k3au">Узнайте больше о том, <a href="/owning-a-home/loan-options/#anchor_interest-rate_361de536a4acf8">как работают ARM и что следует учитывать</a>.<br/><br/><br/></p><hr/><h2 data-block-key="cuq9b"><br/><b>Амортизация (Amortization)</b></h2><p data-block-key="4lo50">Амортизация означает погашение кредита регулярными платежами с течением времени, так что сумма, которую вы должны, уменьшается с каждым платежом. Большинство кредитов на покупку жилья амортизируются, но некоторые ипотечные кредиты амортизируются не полностью, а это означает, что вы все равно должны деньги после внесения всех платежей.<br/></p><p data-block-key="3604n">Некоторые кредиты на покупку жилья допускают платежи, которые покрывают только сумму причитающихся процентов или сумму меньше, чем причитающиеся проценты. Если платежи меньше суммы процентов, причитающихся каждый месяц, остаток по ипотеке будет расти, а не уменьшаться. Это называется отрицательной амортизацией. Другие кредитные программы, которые не полностью амортизируются в течение срока кредита, могут потребовать большой единовременной выплаты в конце срока кредита. Убедитесь, что вы знаете, какой тип кредита вы берете.</p><p data-block-key="9rqhl"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="23tal"><br/><b>Сумма финансирования (Amount financed)</b></h2><p data-block-key="98tim">Это означает сумму денег, которую вы занимаете у кредитора, за вычетом большей части авансовых платежей, которые кредитор взимает с вас.</p><p data-block-key="aor40"><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">Подробнее (на английском языке)</a></p><p data-block-key="957pi"><br/></p><hr/><p data-block-key="ft439"></p><h2 data-block-key="3d48q"><b>Годовой доход (Annual income)</b></h2><p data-block-key="9tqo9">Годовой доход является одним из факторов при подаче заявки на ипотечный кредит и обычно означает ваш общий заработанный доход за год до вычета налогов. Годовой доход может включать доход от работы на полный или неполный рабочий день, самозанятость, чаевые, комиссионные, сверхурочные, бонусы или другие источники. Кредитор будет использовать информацию о вашем годовом доходе и ваших существующих ежемесячных задолженностях, чтобы определить, есть ли у вас возможность погасить кредит.</p><p data-block-key="1ccm2">Будет ли кредитор полагаться на конкретный источник дохода или размер дохода при рассмотрении вашей кандидатуры на получение кредита, часто зависит от того, можете ли вы обоснованно ожидать, что доход будет продолжаться.</p><p data-block-key="5pgs5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">Узнайте больше о том, почему ваша платежеспособность важна для кредиторов</a>.<br/><br/><br/></p><hr/><h2 data-block-key="1f1pr"><br/><b>Годовая процентная ставка (Annual Percentage Rate - APR)</b></h2><p data-block-key="5ajb4">Годовая процентная ставка (APR) является более широкой мерой стоимости заимствования денег, чем процентная ставка. Годовая процентная ставка отражает процентную ставку, любые дополнительные комиссионные сборы по ипотечному кредиту, сборы ипотечного брокера и другие сборы, которые вы платите, чтобы получить кредит. По этой причине ваша APR обычно выше, чем ваша процентная ставка.</p><p data-block-key="9ivo4"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">Узнайте, как сравнивать APR</a><br/><br/><br/></p><hr/><h2 data-block-key="46gqj"><br/><b>Плата за оценку стоимости недвижимости (Appraisal fee)</b></h2><p data-block-key="enma6">Плата за оценку стоимости недвижимости — это расходы на оценку дома, который вы планируете купить или которым уже владеете. Оценка стоимости дома обеспечивает независимую оценку стоимости имущества. В большинстве случаев выбор оценщика и любые связанные с этим расходы зависят от вашего кредитора.</p><p data-block-key="5t7i9"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="cng2m"><br/><b>Автоматическое дебетование (Automatic payment)</b></h2><p data-block-key="aptvk">Автоматические платежи позволяют установить повторяющиеся платежи по ипотеке через ваш банк. Автоматические платежи могут быть удобным способом обеспечить своевременные платежи.<br/><br/><br/></p><hr/><h2 data-block-key="15rdv"><br/><b>Шаровой ипотечный кредит (Balloon loan)</b></h2><p data-block-key="82auc">Для ипотечных кредитов шаровой ипотечный кредит означает больше, чем обычно кредит, единовременный платеж, как правило, в конце срока кредита. Этот единовременный платеж называется «шаровым платежом», и он больше, чем другие ваши платежи, а иногда и намного больше. Если вы не можете заплатить сумму шарового платежа, вам, возможно, придется провести рефинансирование, продать свой дом или столкнуться с потерей права выкупа.</p><p data-block-key="7pigi"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">Узнайте, почему шаровые кредиты могут быть рискованными</a>.<br/><br/></p><hr/><h2 data-block-key="17smf"><br/><b>Двухнедельный платеж (Bi-weekly payment)</b></h2><p data-block-key="94l2v">При плане двухнедельных платежей сервисный агент ипотеки собирает половину вашего ежемесячного платежа каждые две недели, что приводит к 26 платежам в течение года (в целом один дополнительный месячный платеж в год). Внося дополнительные платежи и относя платежи к основной сумме кредита, вы можете погасить кредит досрочно. Прежде чем выбрать двухнедельный платеж, обязательно ознакомьтесь с условиями кредита, чтобы узнать, не будет ли в таком случае применяться штраф за досрочное погашение кредита. Проверьте, не взимает ли ваш сервисный агент какие-либо сборы за план двухнедельных платежей. Вы можете достичь той же цели без уплаты сборов, внося дополнительный ежемесячный платеж по ипотеке каждый год.<br/><br/><br/></p><hr/><h2 data-block-key="dslgb"><br/><b>Раскрытие информации о закрытии сделки (Closing Disclosure)</b></h2><p data-block-key="e4gac">Раскрытие информации о закрытии сделки — это обязательная пятистраничная форма, в которой содержится окончательная подробная информация о выбранном вами ипотечном кредите. Эта форма включает в себя условия кредита, ваши прогнозируемые ежемесячные платежи, а также сумму, которую вы будете платить в виде сборов и других расходов, чтобы получить ипотечный кредит.</p><p data-block-key="22jeb"><a href="/owning-a-home/closing-disclosure/">Узнайте, как дополнительно проверить правильность всех сведений о вашем кредите в раскрытии информации о закрытии сделки</a>.<br/><br/><br/></p><hr/><h2 data-block-key="7quo4"><br/><b>Кредит на строительство (Construction loan)</b></h2><p data-block-key="33n8o">Кредит на строительство обычно представляет собой краткосрочный кредит, который предоставляет средства для покрытия расходов на строительство или восстановление дома.</p><p data-block-key="478bq"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="/ask-cfpb/what-is-a-construction-loan-en-108/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="25sj0"><br/><b>Стандартный кредит (Conventional loan)</b></h2><p data-block-key="1d3bp">Стандартный кредит — это любой ипотечный кредит, который не застрахован и не гарантирован государством (например, в рамках кредитных программ Федерального управления жилищного строительства (Federal Housing Administration), Администрации по делам ветеранов (Department of Veterans Affairs) или Департамента сельского хозяйства (Department of Agriculture)).</p><p data-block-key="a3kal">Узнайте больше о <a href="/owning-a-home/loan-options/conventional-loans/">стандартных кредитах и других типах кредитов</a>.<br/></p><hr/><h2 data-block-key="2f1bq"><br/>Со-поручитель или со-заемщикm (Co-signer or co-borrower)</h2><p data-block-key="2md1s">Со-поручитель или со-заемщик — это лицо, которое соглашается вместе с вами взять на себя полную ответственность по выплате ипотечного кредита. Этот человек обязан оплатить любые пропущенные платежи и даже полную сумму кредита, если вы не платите. В некоторых ипотечных программах со-поручителем считается лицо, не имеющее права собственности и не имеющее доли владения в заложенном доме. Наличие со-поручителя или со-заемщика по вашему ипотечному кредиту дает вашему кредитору дополнительную уверенность в том, что кредит будет погашен. Но кредитная история и финансы вашего со-поручителя или со-заемщика находятся под угрозой, если вы не погасите кредит.</p><p data-block-key="dsc75"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="ashhh"><br/><b>Кредитная история (Credit history)</b></h2><p data-block-key="7v5mn">Кредитная история — это информация о ваших кредитных счетах и вашей истории своевременной оплаты, отраженная в вашем кредитном отчете. Компании, предоставляющие информации о кредитоспособности потребителей, также известные как компании кредитных историй, собирают и обновляют информацию о вашей кредитной истории и предоставляют ее другим компаниям, которые используют ее для принятия решений о вас. Кредитный отчет содержит информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов.</p><p data-block-key="d5u6b"><a href="/owning-a-home/prepare/check-your-credit/">Узнайте больше о проверке своей кредитной истории перед покупкой дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="78fgr"><br/><b>Кредитный отчет (Credit report)</b></h2><p data-block-key="28i3d">Кредитный отчет — это выписка, содержащая информацию о вашей кредитной деятельности и текущей кредитной ситуации, такую как история выплат по кредиту и состояние ваших кредитных счетов. Кредиторы используют ваш кредитный рейтинг и информацию в вашем кредитном отчете, чтобы определить, имеете ли вы право на получение кредита и какую процентную ставку вам предложить.</p><p data-block-key="bqnm1">Узнайте, как <a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">получить копию ваших кредитных отчетов</a>.<br/><br/><br/></p><hr/><h2 data-block-key="afid1"><br/><b>Кредитный рейтинг (Credit score)</b></h2><p data-block-key="8j7to">Кредитный рейтинг показывает, насколько велика вероятность того, что вы вовремя выплатите кредит. Компании используют математическую формулу, называемую рейтинговой моделью, для создания вашего кредитного рейтинга на основе информации в вашем кредитном отчете. Существуют разные рейтинговые модели, поэтому у вас нет только одного кредитного рейтинга. Ваш кредитный рейтинг зависит от вашей кредитной истории, типа кредитного продукта и даже дня, когда он был рассчитан.</p><p data-block-key="csvle">Узнайте <a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">где вы можете получить свой кредитный рейтинг</a>.<br/><br/><br/></p><hr/><h2 data-block-key="4ul8r"><br/><b>Коэффициент задолженности (Debt ratio)</b></h2><p data-block-key="dphcg">Ваше отношение задолженности к доходу — это все ваши ежемесячные платежи по задолженностям, разделенные на ваш валовой месячный доход. Это число является одним из способов, которым кредиторы измеряют вашу способность осуществлять ежемесячные платежи, чтобы выплатить деньги, которые вы планируете занять.</p><p data-block-key="94h0d">Узнайте, <a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">как рассчитать отношение задолженности к доходу</a>.<br/><br/><br/></p><hr/><h2 data-block-key="df5el"><br/><b>Соглашение о передаче недвижимости во избежание процесса о потере права выкупа (Deed-in-lieu of foreclosure)</b></h2><p data-block-key="6oecl">Соглашение о передаче недвижимости во избежание процесса о потере права выкупа — это соглашение, при котором вы добровольно передаете право собственности на свой дом кредитору, чтобы избежать процесса о потере права выкупа. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа может помочь вам избежать личной ответственности за любую оставшуюся сумму на ипотеке. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей. Соглашение о передаче недвижимости во избежание процесса о потере права выкупа является одним из способов <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#loss-mitigation">уменьшения потерь</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6f1nj"><br/><b>Просроченный платеж (Delinquent)</b></h2><p data-block-key="do3s6">Просроченный платеж — это еще один термин, обозначающий задержку платежей. Ваш кредит может стать просроченным, если вы пропустите платеж или не сделаете полный платеж в установленный срок. После того, как вы просрочили платеж в течение определенного периода времени, кредитор или сервисный агент могут начать процесс потери права выкупа. Этот срок может варьироваться в зависимости от штата.</p><p data-block-key="8936b">Федеральные правила могут также применяться в отношении того, когда может начаться процесс потери права выкупа. <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">Узнайте больше о возможных вариантах, если вы не можете выплатить ипотечный кредит</a>.</p><p data-block-key="32f7i">Если вы пострадали от эпидемии коронавируса</p><p data-block-key="b1nqa">Получите дополнительную <a href="/coronavirus/mortgage-and-housing-assistance/">информацию о возможностях облегчения ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="cmu5j"><br/><b>Положение о требовании досрочного погашения кредита (Demand feature)</b></h2><p data-block-key="6plod">В раскрытие информации о закрытии сделки имеется заявление, которое гласит: «Ваш кредит имеет положение о требовании досрочного погашения кредита», которое отмечено как «да» или «нет». Положение о требовании досрочного погашения кредита позволяет кредитору требовать досрочное погашения кредита.</p><p data-block-key="76hnb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">Подробнее (на английском языке)</a>  <br/><br/><br/></p><hr/><h2 data-block-key="1ho6l"><br/><b>Первоначальный взнос (Down payment)</b></h2><p data-block-key="6obnj">Первоначальный взнос — это сумма, которую вы платите за дом авансом. Вы платите процент от стоимости дома, а остальную часть занимаете через ипотечный кредит. Как правило, чем больше первоначальный взнос, тем ниже процентная ставка, которую вы получите, и тем больше вероятность того, что вам утвердят кредит.</p><p data-block-key="vail"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">Узнайте больше об определении первоначального взноса.</a><br/><br/><br/></p><hr/><h2 data-block-key="4rouf"><br/><b>Программы или гранты для первоначального взноса (Down payment programs or grants)</b></h2><p data-block-key="bnnss">Программа или грант для первоначального взноса обычно относится к помощи, предоставляемой такой организацией, как правительство или некоммерческое агентство, покупателю жилья, чтобы помочь ему с первоначальным взносом на покупку дома. Средства могут быть предоставлены в виде прямого гранта или могут требовать погашения, например, при продаже дома.</p><p data-block-key="f1g9m"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">Узнайте, где можно получить информацию о программах и грантах для первоначального взноса</a>.  <br/><br/><br/></p><hr/><h2 data-block-key="fhhud"><br/><b>Задаток (Earnest money)</b></h2><p data-block-key="743po">Задаток — это депозит, который покупатель платит, чтобы продемонстрировать добросовестность подписанного контракта на покупку дома. Этот депозит удерживается продавцом или третьей стороной, такой как агент по недвижимости или компания по проверке права собственности на недвижимость. Если продажа дома завершена или «сделка закрыта», задаток может быть использован для расходов на закрытие сделки или первоначальный взнос. Если договор расторгнут по уважительной причине, задаток возвращается покупателю. Если покупатель действует недобросовестно, задаток может быть конфискован и выплачен продавцу.</p><p data-block-key="5rs1j"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6l18a"><br/><b>Собственный капитал домовладельца (Equity)</b></h2><p data-block-key="b31l2">Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость.</p><p data-block-key="6u3s5"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">Узнайте, что такое кредит под залог жилой недвижимости</a>.<br/><br/><br/></p><hr/><h2 data-block-key="9pco8"><br/><span id="escrow"><b>Условное депонирование (Escrow)</b></span></h2><p data-block-key="bfhcd">Счет условного депонирования создается вашим ипотечным кредитором для оплаты определенных расходов, связанных с недвижимостью, таких как налоги на недвижимость и страхование недвижимости. Часть вашего ежемесячного платежа поступает на этот счет. Если у вашей ипотеки нет счета условного депонирования, вы напрямую оплачиваете расходы, связанные с недвижимостью.<br/></p><p data-block-key="bl7l2">Узнайте больше о том, <a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">как условное депонирование влияет на ваш ежемесячный платеж по ипотеке</a>.<br/><br/><br/></p><hr/><h2 data-block-key="3703a"><br/><b>Fannie Mae</b></h2><p data-block-key="766gp">Федеральная национальная ипотечная ассоциация (Fannie Mae) покупает и гарантирует ипотечные кредиты у кредитных учреждений с целью повысить доступность кредитования. Fannie Mae не является федеральным агентством. Это спонсируемое государством предприятие, находящееся под управлением Федерального агентства жилищного финансирования (FHFA).</p><p data-block-key="bnr1e"><a href="https://www.consumerfinance.gov/owning-a-home/loan-options/conventional-loans/">Узнайте больше о стандартных кредитах</a>.  <br/><br/><br/></p><hr/><h2 data-block-key="96qsr"><br/><b>Плата за финансирование FHA (FHA funding fee)</b></h2><p data-block-key="eghns">Федеральное управление жилищного строительства (FHA) требует взимать плату за финансирование FHA и ежемесячный страховой взнос (MIP) для большинства своих программ для одной семьи. Этот авансовый взнос по ипотечному страхованию иногда называют авансовым взносом по ипотечному страхованию (UFMIP).</p><p data-block-key="fj8vn"><a href="/owning-a-home/loan-options/fha-loans/">Узнайте, подходит ли вам ипотека FHA</a>.<br/><br/><br/></p><hr/><h2 data-block-key="88upt"><br/><b>Кредит FHA (FHA loan)</b></h2><p data-block-key="f98ch">Кредиты FHA — это кредиты от частных кредиторов, которые регулируются и застрахованы Федеральным управлением жилищного строительства (FHA). Кредиты FHA отличаются от стандартных кредитов, потому что они допускают более низкий кредитный рейтинг и первоначальный взнос всего 3,5 процента от общей суммы кредита. Максимальная сумма кредита зависит от административного округа.</p><p data-block-key="8qahn"><a href="/owning-a-home/loan-options/fha-loans/">Узнайте об этом и других вариантах ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="ltuo"><br/><b>Лимиты ипотеки FHA (FHA mortgage limits)</b></h2><p data-block-key="4t1sg">Лимиты ипотеки FHA — это лимиты суммы в долларах для соответствующих критериям ипотечных кредитов, которые FHA застрахует в рамках своей односемейной программы ипотечного кредитования. Эти лимиты зависят от местоположения и могут пересматриваться каждый год.</p><p data-block-key="389r0"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">Воспользуйтесь инструментом FHA для поиска кредитных лимитов на уровне административного округа</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.<br/><br/><br/></p><hr/><h2 data-block-key="ah797"><br/><b>Стоимость всех элементов кредита (Finance charge)</b></h2><p data-block-key="bp89k">Стоимость всех элементов кредита — это общая сумма процентов и сборов по кредиту, которые вы будете платить в течение всего срока действия ипотечного кредита.</p><p data-block-key="c7n2c"><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="tcjb"><br/><b>Программы кредитования для лиц, впервые приобретающих недвижимость (First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="bci4s">Лица, впервые приобретающие недвижимость (FTHB), могут использовать различные типы кредитных программ для покупки своего первого дома. Популярные кредиты для FTHB включают программы, предлагаемые Федеральным управлением жилищного строительства (FHA), Администрацией по делам ветеранов (VA), Министерством сельского хозяйства США (USDA), Fannie Mae и Freddie Mac с низким первоначальным взносом. Некоторые программы определяют FTHB как человека, который не покупал дом в течение трех или более лет.</p><p data-block-key="78o1h"><a href="/owning-a-home/loan-options/#anchor_loan-type_361de536a4b234">Ознакомьтесь с вариантами кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="eh0f3"><br/><b>Ипотека с фиксированной процентной ставкой (Fixed-rate mortgage)</b></h2><p data-block-key="1t8qg">Ипотека с фиксированной процентной ставкой — это тип кредита на покупку жилья, для которого процентная ставка устанавливается при получении кредита и не меняется в течение срока кредита.</p><p data-block-key="esgtu">Узнайте больше о том, <a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">как работает ипотека с фиксированной процентной ставкой</a> и что следует учитывать.  <br/><br/><br/></p><hr/><h2 data-block-key="buac"><br/><b>Отказ от принудительного взыскания ипотечной кредитной задолженности (Forbearance)</b></h2><p data-block-key="40s4t">Отказ от принудительного взыскания ипотечной кредитной задолженности — это когда ваш сервисный агент позволяет вам временно платить по ипотечному кредиту по более низкой процентной ставке или временно приостановить выплату по ипотечному кредиту. Ваш сервисный агент может отказаться от принудительного взыскания ипотечной кредитной задолженности, если, например, вы недавно потеряли работу, пострадали от стихийного бедствия, болезни или травмы, которые увеличили ваши расходы на медицинское обслуживание. Отказ от принудительного взыскания ипотечной кредитной задолженности — это один из способов <a href="#lossmitigation">уменьшения потерь</a>.</p><p data-block-key="v4av"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">Узнайте больше об отказе от принудительного взыскания ипотечной кредитной задолженности</a></p><p data-block-key="f7sc1">В зависимости от вида кредита возможны разные варианты отказа от принудительного взыскания ипотечной кредитной задолженности. Вы должны связаться с сервисным агентом кредита, чтобы запросить отказ от принудительного взыскания ипотечной кредитной задолженности. Помните, что вам придется компенсировать эти пропущенные или сокращенные платежи, когда ваш период отказа от принудительного взыскания ипотечной кредитной задолженности закончится.</p><h4 data-block-key="5oh4l"><b>Если вы пострадали от эпидемии коронавируса</b></h4><p data-block-key="74bht">Получите дополнительную <a href="/coronavirus/mortgage-and-housing-assistance/">информацию о возможностях облегчения ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="cgb97"><br/><b>Принудительная страховка (Force-placed insurance)</b></h2><p data-block-key="fv90i">Ваш сервисный агент может потребовать принудительное страхование, если у вас нет собственного страхового полиса или если ваш собственный страховой полис не соответствует требованиям вашего сервисного агента. Принудительная страховка обычно защищает только кредитора, а не вас. Сервисный агент взимает с вас плату за такую страховку. Принудительная страховка обычно дороже, чем самостоятельно найденный страховой полис.<br/><br/><br/></p><hr/><h2 data-block-key="57iuk"><br/><b>Потеря права выкупа (Foreclosure)</b></h2><p data-block-key="eht39">Потеря права выкупа – это ситуация, когда кредитор или сервисный агент забирает недвижимость после того, как домовладелец не в состоянии произвести платежи по ипотеке. В некоторых штатах кредитор должен обратиться в суд, чтобы лишить вас права выкупа недвижимости (судебный процесс потери права выкупа), но в других штатах судебный процесс не требуется (внесудебный процесс потери права выкупа). Как правило, заемщики должны быть уведомлены, если кредитор или сервисный агент начинает судебный процесс  потери права выкупа. Федеральные правила могут также применяться в отношении того, когда может начаться процесс  потери права выкупа.<br/> Если вас беспокоит потеря права выкупа, <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">узнайте, как получить помощь</a>.</p><h4 data-block-key="5fuo4"><b>Если вы пострадали от эпидемии коронавируса</b></h4><p data-block-key="4in7">Получите дополнительную <a href="/coronavirus/mortgage-and-housing-assistance/">информацию о возможностях облегчения ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6p2n4"><br/><b>Freddie Mac</b></h2><p data-block-key="6o2mi">Федеральная корпорация жилищного ипотечного кредита (Freddie Mac) является частной корпорацией, основанной Конгрессом. Ее миссия состоит в том, чтобы способствовать стабильности и доступности на рынке жилья путем приобретения ипотечных кредитов у банков и других кредиторов. В настоящее время эта корпорация находится под управлением Федерального агентства жилищного финансирования (FHFA).</p><p data-block-key="e3kh4"><a href="/owning-a-home/loan-options/conventional-loans/">Узнайте больше о стандартных кредитах</a>.<br/><br/><br/></p><hr/><h2 data-block-key="2hq38"><br/><b>Добросовестная оценка (Good Faith Estimate)</b></h2><p data-block-key="5m6dc">Добросовестная оценка (GFE) — это форма, которую кредитор должен предоставить вам, когда вы подаете заявление на обратную ипотеку. GFE перечисляет основную информацию об условиях предлагаемого обратного ипотечного кредита.<br/></p><p data-block-key="edb7v">Узнайте, когда вы получите <a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">добросовестную оценку</a>.  <br/><br/><br/></p><hr/><h2 data-block-key="81em0"><br/><b>Государственные сборы за регистрацию (Government recording charges)</b></h2><p data-block-key="8pu2a">Государственные сборы за регистрацию – это сборы, взимаемые штатными и местными правительствами за юридическую регистрацию вашего договора за печатью, ипотеки и документов, связанных с вашим кредитом на покупку жилья.</p><p data-block-key="d1cof"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="deuc"><b><br/>Дорогой ипотечный кредит (Higher-priced mortgage loan)</b></h2><p data-block-key="9n3gk">Как правило, дорогой ипотечный кредит — это кредит с годовой процентной ставкой, или APR, выше, чем базовая процентная ставка, называемая средней процентной ставкой базового предложения (Average Prime Offer Rate).</p><p data-block-key="cad5j"><a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">Подробнее (на английском языке)</a><br/><br/></p><hr/><p data-block-key="52fmo"></p><h2 data-block-key="bn9v0"><b>Взносы в ассоциацию домовладельцев (HOA dues)</b></h2><p data-block-key="7rh05">Если вы заинтересованы в покупке кондоминиума, кооператива, помещения в жилом комплексе или другом организованном сообществе с общими услугами, вы обычно должны платить сборы за квартиру или взносы в ассоциацию домовладельцев (HOA). Эти сборы могут значительно различаться. Сборы за квартиру или взносы в HOA обычно оплачиваются отдельно от ежемесячного платежа по ипотеке. Если вы не заплатите эти сборы, вы можете столкнуться с попытками взыскания задолженности ассоциацией домовладельцев и даже с потерей права выкупа.</p><p data-block-key="bajn9"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="at25"><br/><b>Оценка стоимости дома (Home appraisal)</b></h2><p data-block-key="coeeu">Оценка стоимости дома – это письменный документ, содержащий информацию о стоимости недвижимости. Оценка стоимости дома дает вам полезную информацию о недвижимости. Она описывает, что делает дом ценным, и может показать, как он сравнивается с другими объектами недвижимости в данном жилом районе. Оценка стоимости дома является независимой оценкой стоимости недвижимости.</p><p data-block-key="degjj">Узнайте больше о том, <a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">почему оценки стоимости дома важны</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6vtfq"><br/><b>Кредитная линия под залог жилой недвижимости (Home equity line of credit - HELOC)</b></h2><p data-block-key="7s1hq">Кредитная линия под залог жилой недвижимости (HELOC) — это кредитная линия, которая позволяет вам брать кредит под залог собственного капитала домовладельца. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. В отличие от кредита под залог жилой недвижимости, HELOC обычно имеет регулируемые процентные ставки. Для большинства HELOC вы получите специальные чеки или кредитную карту, и вы сможете занимать деньги на определенное время с момента открытия своего счета. Этот период времени известен как «период взятия средств». В течение «периода взятия средств» вы можете занимать деньги, и вы должны вносить минимальные платежи. Когда «период взятия средств» закончится, вы больше не сможете занимать деньги со своей кредитной линии. После окончания «периода взятия средств» вам может потребоваться погасить весь баланс сразу или вам может быть разрешено погасить его в течение определенного периода времени. Если вы не можете погасить HELOC, кредитор может лишить вас права выкупа дома.<br/><br/><br/></p><hr/><h2 data-block-key="fuo1i"><br/><b>Кредит под залог жилой недвижимости (Home equity loan)</b></h2><p data-block-key="9c00n">Кредит под залог жилой недвижимости (иногда называемый HEL) позволяет вам занимать деньги, используя в качестве залога стоимость вашей жилой недвижимости. Собственный капитал домовладельца — это стоимость вашей недвижимости в настоящее время, за вычетом суммы любой существующей ипотеки на вашу недвижимость. Вы получаете деньги за счет кредита под залог жилой недвижимости в виде единоразового платежа. Кредит под залог жилой недвижимости обычно имеет фиксированную процентную ставку, которая не будет изменяться. Если вы не можете погасить кредит HEL, кредитор может лишить вас права выкупа дома.<br/><br/><br/></p><hr/><h2 data-block-key="77jlv"><br/><b>Инспекция дома (Home inspection)</b></h2><p data-block-key="cf223">Инспекция дома часто является частью процесса покупки дома. Как правило, вы имеете право нанять жилищного инспектора для осмотра недвижимости и выявления ее сильных и слабых сторон. Это часто бывает особенно полезно для проверки конструкционных и механических систем дома, включая отопление, вентиляцию, кондиционирование воздуха и электричество.</p><p data-block-key="baplb"><a href="/owning-a-home/close/schedule-home-inspection/">Узнайте, как запланировать инспекцию</a>.<br/><br/><br/></p><hr/><h2 data-block-key="a5nim"><br/><b>Ассоциация домовладельцев (Homeowners’ Association - HOA)</b></h2><p data-block-key="92u4u">Ассоциация домовладельцев (HOA) обычно создается для управления общими расходами, такими как озеленение и другие расходы на содержание жилищного комплекса или другого организованного местного сообщества. HOA кондоминиума берут на себя больше обязанностей, включая, например, обслуживание подъездных дорог, общих строительных конструкций и крыш.</p><p data-block-key="7h02b"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Получите дополнительную информацию о том, как HOA может отображаться в декларации об ипотеке</a>.<br/><br/><br/></p><hr/><h2 data-block-key="241og"><br/><b>Страхование недвижимости (Homeowner's insurance)</b></h2><p data-block-key="6o0ab">Страхование недвижимости покрывает убытки и ущерб вашей недвижимости, если произойдет какое-либо непредвиденное событие, например пожар или кража со взломом. Когда у вас есть ипотечный кредит, ваш кредитор захочет убедиться, что ваша недвижимость защищена страховкой. Поэтому кредиторы обычно требуют доказательств того, что у вас есть страховка недвижимости. Страховка недвижимости отличается от <a href="#mortgageinsurance">ипотечного страхования</a>.<br/></p><p data-block-key="atl21"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="45mba"><br/><b>Цена покупки дома (Home purchase price)</b></h2><p data-block-key="15ao3">Цена покупки дома – это сумма, согласованная покупателем и продавцом, которая должна быть выплачена продавцу за покупку дома.</p><p data-block-key="ffcud"><a href="/owning-a-home/explore/find-right-home/">Узнайте больше о том, как найти подходящий дом</a>.<br/><br/><br/></p><hr/><h2 data-block-key="8shl7"><br/><b>HUD</b></h2><p data-block-key="74inq">Министерство жилищного строительства и городского развития США (HUD) — это государственное учреждение, которое помогает людям приобретать и сохранять качественное доступное жилье. Оно обучает и спонсирует консультантов по жилищным вопросам по всей стране. Одобренное HUD консультационное агентство по жилищным вопросам, может предоставить вам консультацию для покупателя жилья, чтобы помочь вам понять и оценить ваши варианты.</p><p data-block-key="3p4eh"><a href="/find-a-housing-counselor/">Найдите одобренное HUD консультационное агентство по жилищным вопросам</a>.<br/><br/><br/></p><hr/><h2 data-block-key="777c2"><br/><b>Акт о взаиморасчетах HUD-1 (HUD-1 settlement statement)</b></h2><p data-block-key="1kdv6">В Акте о взаиморасчетах HUD-1 перечислены все сборы и кредиты покупателю и продавцу при сделке с недвижимостью или все сборы при рефинансировании ипотеки. Вы получаете HUD-1, если подаете заявление на обратную ипотеку или если вы подали заявление на ипотеку 3 октября 2015 года или ранее.</p><p data-block-key="9jirm">Узнайте, когда вы получите <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1</a>.<br/><br/><br/></p><hr/><h2 data-block-key="9ueij"><br/><b>Индекс (Index)</b></h2><p data-block-key="2cuif">Индекс представляет собой базовую процентную ставку, отражающую общие рыночные условия. Индекс меняется в зависимости от состояния рынка. Изменения индекса, а также маржа вашего кредита определяют изменения процентной ставки по ипотечному кредиту с регулируемой процентной ставкой.</p><p data-block-key="20ioh">Узнайте, как <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">индекс влияет на процентную ставку по ипотечному кредиту с регулируемой процентной ставкой</a>.<br/><br/><br/></p><hr/><h2 data-block-key="ci397"><br/><b>Верхний предел изменения начальной процентной ставки (Initial adjustment cap)</b></h2><p data-block-key="posu">Верхний предел изменения начальной процентной ставки обычно связан с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько процентная ставка может увеличиться при первом изменении после истечения периода фиксированной процентной ставки. Обычно этот верхний предел составляет два или пять процентов, что означает, что при первом изменении процентной ставки новая процентная ставка не может быть более чем на два (или пять) процентных пункта выше начальной процентной ставки в течение периода фиксированной процентной ставки.</p><p data-block-key="72v5i"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6p65v"><br/><b>Первоначальный депозит на счет условного депонирования (Initial escrow deposit)</b></h2><p data-block-key="4pt07">Первоначальный депозит на счет условного депонирования — это сумма, которую вы заплатите при закрытии сделки, чтобы открыть свой счет условного депонирования, если этого потребует ваш кредитор.</p><p data-block-key="43une"><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="alk3h"><br/><b>Кредит с выплатой только процентов (Interest-only loan)</b></h2><p data-block-key="b9teu">Ипотечный кредит с выплатой только процентов — это кредит с плановыми платежами, по которому вы должны выплачивать только проценты в течение определенного периода времени.</p><p data-block-key="7ohto"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="9ffg"><br/><b>Процентная ставка (Interest rate)</b></h2><p data-block-key="n91h">Процентная ставка по ипотечному кредиту – это выраженная в процентах стоимость, которую вы будете платить каждый год за пользование деньгами. Она не отражает комиссий или любых других сборов, которые вам, возможно, придется заплатить за кредит. Например, если ипотечный кредит составляет 100 000 долларов при процентной ставке 4 процента, этот потребитель согласился платить 4000 долларов каждый год, когда он или она берет взаймы или должен всю эту сумму.</p><p data-block-key="amb37"><a href="/owning-a-home/explore-rates/">Изучите процентные ставки в вашем регионе</a>.<br/><br/><br/></p><hr/><h2 data-block-key="43ug7"><br/><b>Верхний предел процентной ставки (Interest rate cap)</b></h2><p data-block-key="d2j1g">Верхний предел процентной ставки, иногда называемый годовым пределом, представляет собой максимальное увеличение процентной ставки, которое может происходить ежегодно для ипотеки с регулируемой процентной ставкой (ARM), даже если ставка увеличилась бы больше при рыночных процентных ставках. Например, если этот верхний предел процентной ставки составляет два процента, новая ставка не может превышать предыдущую более чем на два процентных пункта.</p><p data-block-key="iso5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Узнайте, как кредиторы используют индекс и маржу для регулировки вашей процентной ставки</a>.<br/><br/><br/></p><hr/><h2 data-block-key="crtd"><br/><b>Большой кредит (Jumbo loan)</b></h2><p data-block-key="apath">Каждый год Fannie Mae, Freddie Mac и их регулирующий орган, Федеральное агентство жилищного финансирования (FHFA), устанавливают максимальную сумму кредита, который они будут покупать у кредиторов.</p><p data-block-key="au1uh"><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="7t6jd"><br/><b>Страхование правового титула кредитора (Lenders title insurance)</b></h2><p data-block-key="fcnu4">Страхование правового титула кредитора защищает вашего кредитора от проблем с правом собственности на вашу недвижимость, например, от судебного иска какого-либо лица в отношении дома. Страхование правового титула кредитора защищает только кредитора от проблем с правовым титулом. Чтобы защитить себя, вы можете приобрести страхование правового титула владельца.</p><p data-block-key="bdadh"><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="3s22s"><br/><b>Верхний предел изменения процентной ставки в течение срока кредита (Lifetime adjustment cap)</b></h2><p data-block-key="9lq5u">Верхний предел изменения процентной ставки в течение срока кредита обычно используется с ипотечными кредитами с регулируемой процентной ставкой (ARM). Этот верхний предел определяет, насколько может увеличиться процентная ставка в целом за весь срок кредита. Например, если этот верхний предел составляет пять процентов, это означает, что процентная ставка никогда не будет на пять процентных пунктов выше первоначальной процентной ставки. У некоторых кредиторов этот верхний предел может быть другим или более высоким.</p><p data-block-key="1sbc"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Узнайте, как индекс влияет на ипотечные кредиты с регулируемой процентной ставкой</a>.<br/><br/><br/></p><hr/><h2 data-block-key="ek19a"><br/><b>Принятие на себя обязательств по ипотечному кредиту (Loan assumption)</b></h2><p data-block-key="emi57">Принятие на себя обязательств по ипотечному кредиту происходит, когда покупатель жилья берет на себя обязательства по ипотеке продавца. Покупателю переходит остаток задолженности по ипотечному кредиту продавца на первоначальных условиях кредитования, например таких, как процентная ставка и оставшийся срок ипотеки. Принятие на себя обязательств по ипотечному кредиту имеет финансовый смысл в тех случаях, когда новые ипотечные кредиты предлагаются по более высоким процентным ставкам, чем при первоначальном получении ипотеки продавцом.</p><p data-block-key="bp6i8">Разница между ценой продажи дома и остатком по ипотечному кредиту продавца определяет сумму, которую покупатель должен будет выплатить, либо из своего кармана, либо взяв собственный ипотечный кредит.</p><p data-block-key="2rs31">Чтобы принять на себя обязательства по ипотечному кредиту продавца, покупатель жилья должен соответствовать определенным критериям. Оценка соответствия обычно основывается на проверки кредитоспособности и доходов покупателя, как и в случае получения нового ипотечного кредита.</p><p data-block-key="c4d4o">Принятие на себя обязательств по ипотечному кредиту также может быть актуально, когда вы получаете право собственности на недвижимость с непогашенным ипотечным кредитом, например, после смерти бывшего владельца или развода.<br/><br/><br/></p><hr/><h2 data-block-key="9a9dd"><br/><b>Отсрочка платежей по кредиту (Loan deferment)</b></h2><p data-block-key="4m0j5">Как правило, заемщики, испытывающие трудности с выплатами по ипотечному кредиту, имеют право обратиться за помощью в финансовое учреждение, обслуживающее ипотеку. Финансовое учреждение, обслуживающее ипотеку, может согласиться на отсрочку платежей по кредиту, что позволяет заемщику избежать лишение права выкупа заложенного имущества за счет отсрочки просроченных платежей по ипотеке. Отсроченная сумма выплачивается, когда заемщик рефинансирует кредит или продаст дом, или ипотека будет прекращена каким-либо иным способом.<br/><br/><br/></p><hr/><h2 data-block-key="d767b"><br/><b>Оценка кредита (Loan estimate)</b></h2><p data-block-key="fjmbd">Оценка кредита — это трехстраничная форма, которую вы получаете после подачи заявления на ипотечный кредит.</p><p data-block-key="7tklb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="57pq4"><br/><b>Изменение условий кредитования (Loan modification)</b></h2><p data-block-key="7ooet">Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов <a href="#lossmitigation">уменьшения потерь</a>. Изменение условий кредитования может уменьшить ваш ежемесячный платеж до суммы, которую вы можете себе позволить. Изменения условий кредитования могут включать увеличение количества лет, в течение которых вы должны погасить кредит, снижение процентной ставки и/или отсрочку или уменьшение остатка основной суммы кредита. Если вам предлагают изменение условий кредита, убедитесь, что вы знаете, как это изменит ваши ежемесячные платежи и общую сумму, которую вы будете должны в краткосрочной и долгосрочной перспективе.</p><p data-block-key="oq2h"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Подробнее об изменении условий ипотечного кредита</a></p><h4 data-block-key="f47qf"><b>Если вы пострадали от эпидемии коронавируса</b></h4><p data-block-key="3nin5">Получите дополнительную <a href="/coronavirus/mortgage-and-housing-assistance/">информацию о возможностях облегчения ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="2rune"><br/><b>Отношение кредита к стоимости (Loan-to-value ratio)</b></h2><p data-block-key="b7lgf">Отношение кредита к стоимости (LTV) — это показатель, сравнивающий сумму вашего ипотечного кредита с оценочной стоимостью недвижимости. Чем больше ваш первоначальный взнос, тем меньше отношение LTV. Ипотечные кредиторы могут использовать LTV при принятии решения о том, предоставлять ли вам кредит, и определить, потребуется ли им частное ипотечное страхование.</p><p data-block-key="5np9l">Узнайте <a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">как отношение вашего кредита к стоимости зависит от ваших затрат</a>.<br/><br/><br/></p><hr/><h2 data-block-key="d50lr"><br/><span id="lossmitigation"><b>Уменьшение потерь (Loss mitigation)</b></span></h2><p data-block-key="eqqsu">Уменьшение потерь относится к шагам, которые ипотечные сервисные агенты предпринимают для работы с ипотечным заемщиком, чтобы избежать потери права выкупа. Уменьшение потерь относится к ответственности сервисного агента по уменьшению или «смягчению» убытков инвестора, которые могут возникнуть в результате потери права выкупа. Некоторые варианты уменьшения потерь могут помочь вам сохранить свой дом. Другие варианты могут помочь вам избавиться от своего дома без процесса о потере права выкупа. Варианты уменьшения потерь могут включать <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#deed-in-lieu-of-foreclosure">соглашение о передаче недвижимости во избежание процесса о потере права выкупа</a>, <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#forbearance">отказ от принудительного взыскания ипотечной кредитной задолженности</a>, <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#repayment-plan">план погашения задолженности</a>, <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#short-sale">продажа недвижимости за цену, которая не покрывает задолженности по ипотеке</a> или <a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#loan-modification">изменение условий кредитования</a>.</p><p data-block-key="9gd7a">Если у вас возникли проблемы с выплатой ипотечных платежей, или если вам предложили и вы рассматриваете различные варианты уменьшения потерь, обратитесь в консультационное агентство по жилищным вопросам, одобренное Департаментом жилищного строительства и городского развития (HUD).</p><p data-block-key="7s26">Вы можете использовать инструмент Бюро по защите прав потребителей финансовых услуг (CFPB) <a href="/find-a-housing-counselor/">«Find a Counselor»</a> (Найти консультанта), чтобы получить список консультационных агентств по вопросам жилья в вашем районе, одобренных HUD. Вы также можете позвонить на горячую линию <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">HOPE™</a>, которая работает круглосуточно, без выходных, по телефону (888) 995-HOPE (4673).</p><h4 data-block-key="3ulu9"><b>Если вы пострадали от эпидемии коронавируса</b></h4><p data-block-key="3uk3m">Получите дополнительную <a href="/coronavirus/mortgage-and-housing-assistance/">информацию о возможностях облегчения ипотечного кредита</a>.  <br/><br/><br/></p><hr/><h2 data-block-key="aoi73"><br/><b>Маржа (Margin)</b></h2><p data-block-key="3aokf">Маржа — это количество процентных пунктов, добавляемых к индексу ипотечным кредитором для установления вашей процентной ставки по ипотеке с регулируемой ставкой (ARM) после окончания периода первоначальной ставки. Маржа устанавливается в вашем кредитном договоре и не изменяется после закрытия сделки. Размер маржи зависит от конкретного кредитора и кредита.</p><p data-block-key="8dns">Узнайте, как <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">маржа влияет на ипотечные кредиты с регулируемой процентной ставкой</a>.<br/><br/><br/></p><hr/><h2 data-block-key="4m1e4"><br/><b>Ежемесячные расходы (Monthly expenses)</b></h2><p data-block-key="7m65v">Это сумма, которую вы тратите каждый месяц. Она может включать, помимо прочего, длящиеся обязательства, такие как оплата аренды или ипотеки, коммунальные услуги, оплата автомобиля, выплаты алиментов и страховые выплаты, а также предметы первой необходимости, такие как продукты питания. Большинство этих обязательств имеют фиксированную дату уплаты.</p><p data-block-key="4mjb0"><a href="/owning-a-home/prepare/assess-your-spending/">Оцените свои ежемесячные расходы с помощью этого калькулятора расходов</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6mq8r"><br/><b>Ипотека (Mortgage)</b></h2><p data-block-key="fi9o2">Ипотека — это соглашение между вами и кредитором, которое позволяет вам занимать деньги для покупки или рефинансирования дома и дает кредитору право забрать вашу собственность, если вы не выплатите взятые взаймы деньги.</p><p data-block-key="eq07b">Если вы готовы взять ипотечный кредит, <a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">узнайте больше о покупке дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="929i0"><br/><b>Контрольный список закрытия сделки по ипотеке (Mortgage closing checklist)</b></h2><p data-block-key="frr8d">Контрольный список закрытия сделки по ипотеке — это список шагов, которые вы можете использовать, чтобы подготовиться и узнать, чего ожидать. Это может помочь вам определить основные вопросы, которые нужно задать заранее, чтобы вы могли с уверенностью закрыть сделку.</p><p data-block-key="5pnl5"><a href="/owning-a-home/close/#tools">Используйте этот рабочий лист для подготовки к закрытию сделки</a>.<br/><br/><br/></p><hr/><h2 data-block-key="e34d4"><br/><b>Расходы на закрытие сделки по ипотеке (Mortgage closing costs)</b></h2><p data-block-key="mcvo">Расходы на закрытие сделки по ипотеке — это все расходы, которые вы будете платить при закрытии сделки по ипотеке. Они включает в себя сборы за инициирование кредита, плату за оценку стоимости недвижимости, расходы на отчет о кредитоспособности, сборы за страхование правового титула и любые другие сборы, требуемые вашим кредитором или оплачиваемые в рамках сделки по ипотеке с недвижимостью. Кредиторы должны предоставить вам сводную информацию об этих расходах в документе <a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Оценка кредита (Loan Estimate)</a>.</p><p data-block-key="dosnu"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">Узнайте больше о том, что происходит при закрытии сделки</a>.<br/><br/><br/></p><hr/><h2 data-block-key="21o7p"><br/><span id="mortgageinsurance"><b>Ипотечное страхование (Mortgage insurance)</b></span></h2><p data-block-key="cu4mg">Ипотечное страхование защищает кредитора, если вы просрочили свои платежи. Ипотечное страхование обычно требуется, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости. Ипотечное страхование также обычно требуется для кредитов FHA и USDA. Однако, если у вас есть стандартный кредит и ваш первоначальный взнос составляет менее 20 процентов, у вас, скорее всего, будет частное ипотечное страхование (PMI).<br/></p><p data-block-key="cosqr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">Поймите, как работает ипотечное страхование</a><br/><br/><br/></p><hr/><h2 data-block-key="6je4j"><br/><b>Изменение условий ипотечного кредитования (Mortgage loan modification)</b></h2><p data-block-key="7b58u">Изменение условий ипотечного кредитования — это изменение условий вашего кредита. Изменение условий ипотечного кредитования является одним из способов уменьшения потерь.</p><p data-block-key="d3cvh"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="7ldit"><br/><b>Рефинансирование ипотеки (Mortgage refinance)</b></h2><p data-block-key="a90lr">Рефинансирование ипотеки — это ситуация, когда вы берете новый кредит, чтобы погасить и заменить старый кредит. Распространенными причинами рефинансирования являются снижение ежемесячной процентной ставки, уменьшение платежа по ипотечному кредиту или заем дополнительных денег. Когда вы рефинансируете кредит, вы, как правило, должны оплатить расходы на закрытие сделки и сборы. Если вы рефинансируете кредит и получаете более низкий ежемесячный платеж, убедитесь, что вы понимаете, какая часть сокращения связана с более низкой процентной ставкой, а какая — с увеличением срока кредита.</p><p data-block-key="1lucu"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_should_i_refinance_handout.pdf"><span class="a-link_text">Должен ли я рефинансировать кредит?</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="94ulm"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">Руководство для потребителей по рефинансированию ипотеки </span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="4enl"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf"><span class="a-link_text">Инструментарий по кредиту на покупку жилья </span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="5svcr"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf"><span class="a-link_text">Справочник потребителя по ипотечным кредитам с регулируемой процентной ставкой</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/><br/></p><hr/><h2 data-block-key="b2g7s"><br/><b>Срок ипотеки (Mortgage term)</b></h2><p data-block-key="di2ha">Срок ипотечного кредита – это срок, в течение которого вы должны погасить кредит. Для большинства типов недвижимости сроки ипотеки обычно составляют 15, 20 или 30 лет.</p><p data-block-key="lmuj"><a href="/owning-a-home/loan-options/#anchor_loan-term_361c08846349fe">Изучите варианты сроков кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="ev5j3"><br/><b>Сборы за инициирование кредита (Origination Fee)</b></h2><p data-block-key="7bhgv">Сборы за инициирование кредита — это то, что кредитор взимает с заемщика за предоставление ипотечного кредита. Сборы за инициирование кредита могут включать обработку заявления, андеррайтинг, финансирование кредита, а также другие административные услуги. Сборы за инициирование кредита обычно могут увеличиваться только при определенных обстоятельствах.</p><p data-block-key="5pduf">Узнайте больше о <a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">расходах на инициирование ипотеки</a>.<br/><br/><br/></p><hr/><h2 data-block-key="94c0j"><br/><b>Страхование правового титула владельца (Owner's title insurance)</b></h2><p data-block-key="2cvmm">Страхование правового титула владельца обеспечивает защиту домовладельца в том случае, если кто-то предъявляет иск и заявляет, что у него есть претензии к дому до того, как домовладелец купил его.</p><p data-block-key="cj7bd"><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="9df7k"><br/><b>Программа финансирования PACE (PACE financing)</b></h2><p data-block-key="durhp">Программа финансирования внедрения чистых технологий PACE позволяет финансировать повышение энергоэффективности дома.</p><p data-block-key="2g2vi"><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="cnhdr"><br/><b>Частичное требование (Partial claim)</b></h2><p data-block-key="ffn3e">Частичное требование — это использование ипотечного страхования для того, чтобы помочь домовладельцу, оказавшемуся в тяжелой финансовой ситуации, избежать лишение права выкупа заложенного имущества. Финансовое учреждение, обслуживающее ипотеку, предъявляет требование ипотечному страховщику на сумму всех пропущенных ипотечных платежей, и страховщик откладывает эти деньги на отдельный счет. Затем, когда заемщик рефинансирует ипотеку, продаст дом или иным образом прекратит ипотеку, сумма частичного требования выплачивается финансовому учреждению, обслуживающему ипотеку. Иногда сумма частичного требования не покрывает всей суммы пропущенных платежей, и в таких случаях заемщик должен выплатить разницу.<br/><br/><br/></p><hr/><h2 data-block-key="36ett"><br/><b>Сумма выплаты (Payoff amount)</b></h2><p data-block-key="bsdae">Сумма выплаты – это то, сколько вам фактически придется заплатить, чтобы выполнить условия ипотечного кредита и полностью погасить свою задолженность. Сумма выплаты отличается от вашего текущего баланса. Ваш текущий баланс может не отражать, сколько вам на самом деле нужно заплатить, чтобы полностью погасить кредит. Ваша сумма выплаты также включает в себя выплату любых процентов, которые вы должны до дня, когда вы намерены погасить свой кредит. Сумма выплаты может также включать в себя другие сборы, которые вы понесли, но еще не заплатили.<br/><br/><br/></p><hr/><h2 data-block-key="et3tb"><br/><b>Приказы о переводе на новое постоянное место службы (PCS orders)</b></h2><p data-block-key="370h4">Военнослужащим, находящимся на действительной военной службе, могут быть отданы приказы о переводе на новое постоянное место службы (PCS). Приказы PCS – это официальное перемещение военнослужащего (и всех членов семьи, проживающих с ним) на другое место службы. Если военнослужащий владеет домом, он может продать его. Если военнослужащий должен за дом больше, чем дом стоит, у него могут возникнуть проблемы с продажей дома. Некоторые сервисные агенты предлагают программы, позволяющие военнослужащим продать свой дом и не выплачивать остаток кредита. Посетите веб-сайт <a href="/consumer-tools/military-financial-lifecycle/">ресурсы для военнослужащих</a> для получения дополнительной информации.<br/><br/><br/></p><hr/><h2 data-block-key="emrpg"><br/><b>PITI</b></h2><p data-block-key="717ie">Основная сумма кредита, проценты, налоги и страхование (Principal, Interest, Taxes, and Insurance), известные как PITI, являются четырьмя основными элементами ежемесячного платежа по ипотеке.</p><p data-block-key="63arl"><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="e26a0"><br/><b>PMI</b></h2><p data-block-key="a8r0o">Частное ипотечное страхование (PMI) — это тип ипотечного страхования, который приносит пользу вашему кредитору. Вас могут обязать оплатить PMI, если ваш первоначальный взнос составляет менее 20 процентов от стоимости недвижимости и у вас имеется стандартный кредит. Вы можете отменить PMI, как только вы накопите определенную сумму собственного капитала своего дома.</p><p data-block-key="2gei4"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="/ask-cfpb/what-is-private-mortgage-insurance-en-122/">Узнайте больше о том, когда требуется PMI</a><br/><br/><br/></p><hr/><h2 data-block-key="4qte3"><br/><b>Заранее выплаченные проценты (Prepaid interest charges)</b></h2><p data-block-key="25d7t">Заранее выплаченные проценты — это сборы, подлежащие уплате при закрытии сделки для любых ежедневных процентов, которые начисляются на ваш кредит между датой закрытия вашего ипотечного кредита и периодом, покрываемым вашим первым ежемесячным платежом по ипотечному кредиту.</p><p data-block-key="e4jtk"><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="521m5"><br/><b>Штраф за досрочное погашение кредита (Prepayment penalty)</b></h2><p data-block-key="6k84l">Штраф за досрочное погашение кредита — это плата, которую некоторые кредиторы взимают, если вы полностью или частично погашаете ипотечный кредит досрочно. Если у вас предусмотрен штраф за досрочное погашение кредита, вы согласились на это, когда закрывали сделку при покупке дома. Не все ипотечные кредиты предусматривают штраф за досрочное погашение кредита.<br/><br/><br/></p><hr/><h2 data-block-key="33qab"><br/><b>Основная сумма кредита (Principal)</b></h2><p data-block-key="a27rk">Основная сумма ипотечного кредита, которую вы должны погасить. Ваш ежемесячный платеж включает в себя часть этой основной суммы кредита. При оплате основной суммы кредита заемщик должен меньше и будет платить меньше процентов в зависимости от меньшего размера кредита.</p><p data-block-key="7oomh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">Понимание разницы между процентной ставкой и основной суммой кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="bl3m3"><br/><b>Налоги на недвижимость (Property taxes)</b></h2><p data-block-key="91lvl">Налоги на недвижимость — это налоги, взимаемые местными юрисдикциями, как правило, на уровне административных округов, в зависимости от стоимости облагаемой налогом недвижимости. Часто налоги на недвижимость взимаются в рамках ежемесячного платежа домовладельца по ипотечному кредиту, а затем выплачиваются в соответствующей юрисдикции один или несколько раз в год. Это называется счетом условного депонирования. Если у кредита нет счета условного депонирования, то домовладелец будет платить налоги на недвижимость напрямую.</p><p data-block-key="12slm"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="29ga5"><br/><b>Соответствующая требованиям ипотека (Qualified mortgage)</b></h2><p data-block-key="dercl">Соответствующая требованиям ипотека — это категория кредитов, которые имеют определенные, более стабильные характеристики, которые повышают вероятность того, что вы сможете позволить себе кредит.</p><p data-block-key="9tajg"><a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="dtbef"><br/><b>Соответствующий требованиям письменный запрос (Qualified Written Request - QWR)</b></h2><p data-block-key="96rob">Соответствующий требованиям письменный запрос, или QWR, представляет собой письменную корреспонденцию, которую вы или кто-либо, действующий от вашего имени, может направить сервисному агенту ипотеки. Вместо QWR вы также можете отправить своему сервисному агенту Уведомление об ошибке (Notice of Error) или Запрос на предоставление информации (Request for Information).</p><p data-block-key="c7j3g"><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="9oq8p"><br/><b>План погашения задолженности (Repayment plan)</b></h2><p data-block-key="d11es">План погашения задолженности — это структурированный способ компенсировать пропущенные платежи по ипотечному кредиту в течение определенного периода времени. Это один из способов <a href="#lossmitigation">уменьшения потерь</a>. Если у вас возникли проблемы с оплатой ипотечного кредита, ваш кредитор или сервисный агент могут разрешить вам <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">заключить план погашения задолженности</a>. Прежде чем заключить план погашения задолженности, убедитесь, что вы понимаете требования плана и сможете вносить новые платежи.<br/><br/><br/></p><hr/><h2 data-block-key="6qagi"><br/><b>Обратная ипотека (Reverse mortgage)</b></h2><p data-block-key="9ph3g">Обратная ипотека позволяет домовладельцам в возрасте 62 лет и старше брать кредит под залог собственного капитала домовладельца. Это называется «обратной» ипотекой, потому что вместо платежей кредитору вы получаете деньги от кредитора. Полученные вами деньги и проценты, начисленные по кредиту, ежемесячно увеличивают баланс вашего кредита. Большинство обратных ипотек сегодня называются HECM, сокращенно от Ипотека с конверсией собственного капитала домовладельца.</p><p data-block-key="bq2v0">Узнайте, на что вам следует обратить внимание <a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/">перед подачей заявления на обратную ипотеку</a>.<br/><br/><br/></p><hr/><h2 data-block-key="88ss0"><br/><b>Право отказа от кредита (Right of rescission)</b></h2><p data-block-key="f4j5g">Право отказа от кредита относится к праву потребителя аннулировать определенные виды кредитов. Если вы покупаете дом в ипотеку, вы не имеете права отказаться от кредита после подписания документов о закрытии сделки. Однако, если вы осуществляете рефинансирование ипотечного кредита, у вас есть время до полуночи третьего рабочего дня после заключения сделки, чтобы расторгнуть (аннулировать) договор об ипотеке. Трехдневный срок не начинается до тех пор, пока вы не подпишете кредитный договор (обычно называемый векселем), не получите форму <a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/">раскрытия информации по Закону о правде в кредитовании (Truth in Lending disclosure)</a> и не получите две копии уведомления, разъясняющего ваше право на расторжение договора.<br/><br/><br/></p><hr/><h2 data-block-key="2sv6f"><br/><b>Вторая ипотека (Second mortgage)</b></h2><p data-block-key="bivhj">Вторая ипотека или младшее залоговое право — это кредит, который вы берете, используя свой дом в качестве залога, в то время как у вас все еще есть другой кредит, обеспеченный вашим домом.</p><p data-block-key="6g08v"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">Узнайте больше о второй ипотеке</a>.<br/><br/><br/></p><hr/><h2 data-block-key="6stou"><br/><b>Обеспечительный интерес (Security interest)</b></h2><p data-block-key="6ae0s">Обеспечительный интерес – это то, что позволяет кредитору лишить вас права выкупа, если вы не вернете деньги, которые вы заимствовали.</p><p data-block-key="6ahs1"><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="a9vtl"><br/><b>Финансирование продавцом (Seller financing)</b></h2><p data-block-key="a4o8r">Финансирование продавцом – это кредит, который предоставляет вам продавец дома.</p><p data-block-key="80pca"><a>Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="96fbn"><br/><b>Сервисный агент (Servicer)</b></h2><p data-block-key="1iuog">Сервисный агент вашей ипотеки — это компания, которая отправляет вам декларации об ипотеке. Ваш сервисный агент также выполняет повседневные задачи по управлению вашим кредитом.</p><p data-block-key="fack4">Ваш сервисный агент по кредиту обычно обрабатывает платежи по вашему кредиту, отвечает на запросы заемщика, отслеживает выплату основной суммы кредита и процентов и управляет вашим <a href="#escrow">счетом условного депонирования</a> (если он у вас есть). Сервисный агент по кредиту может инициировать процесс о потере права выкупа при определенных обстоятельствах. Ваш сервисный агент может быть или не быть той же компанией, которая первоначально предоставила вам кредит.<br/><br/><br/></p><hr/><h2 data-block-key="djtk7"><br/><b>Ипотека, по условиям которой заемщик должен поделиться прибылью с кредитором (Shared appreciation mortgage)</b></h2><p data-block-key="ehmkl">В соответствии с ипотекой, по условиям которой заемщик должен поделиться прибылью с кредитором, вы соглашаетесь отдавать своему кредитору долю любого увеличения стоимости вашего дома.</p><p data-block-key="2eod6"><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="b2m3v"><br/><b>Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке (Short sale)</b></h2><p data-block-key="5nh9v">Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке — это продажа вашего дома за меньшую сумму, чем вы должны по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке, является альтернативой потере права выкупа, но поскольку это продажа, вам придется покинуть свой дом. Если ваш кредитор или сервисный агент соглашается на продажу недвижимости за цену, которая не покрывает задолженности по ипотеке, вы можете продать свой дом, чтобы погасить ипотеку, даже если цена продажи или выручка окажутся меньше, чем остаток по ипотеке. Продажа недвижимости за цену, которая не покрывает задолженности по ипотеке является способом <a href="#lossmitigation">уменьшения потерь</a>. Если вы живете в штате, в котором вы несете ответственность за любую недоимку, которая представляет собой разницу между стоимостью вашей недвижимости и суммой, которую вы все еще должны по ипотечному кредиту, вы можете попросить своего кредитора отказаться от недоимки. Если кредитор отказывается от недоимки, получите такой отказ в письменной форме и сохраните его для своих записей.<br/><br/><br/></p><hr/><h2 data-block-key="dsi6d"><br/><b>Субстандартный ипотечный кредит (Subprime mortgage)</b></h2><p data-block-key="33dki">Когда кредиторы используют этот термин, они обычно имеют в виду кредитную программу для заемщиков, которые не имеют права на получение стандартного кредита, часто с более высокой процентной ставкой.</p><p data-block-key="3ao4t"><a href="/owning-a-home/">Дополнительная информация о процессе покупки дома</a>.<br/><br/><br/></p><hr/><h2 data-block-key="3sval"><br/><b>Съемка (Survey)</b></h2><p data-block-key="eaqut">Съемка — это чертеж вашей недвижимости, показывающий расположение участка, дома и любых других построек, а также любые улучшения недвижимости.</p><p data-block-key="b4a22"><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="997rv"><br/><b>Плата за обслуживание титула (Title service fees)</b></h2><p data-block-key="co1g2">Плата за обслуживание титула является частью расходов на закрытие сделки, которые вы платите при получении ипотеки. Когда вы покупаете дом, вы получаете документ, чаще всего называемый договором за печатью (deed), который показывает, что продавец передал вам свое законное право собственности или «титул» на дом. Плата за обслуживание титула — это расходы, связанные с оформлением страховки титула для кредитора.</p><p data-block-key="6kd6u"><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="1pi0b"><br/><b>Общая сумма процентов (Total interest percentage - TIP)</b></h2><p data-block-key="d27qh">Общая сумма процентов (TIP) — это раскрытие информации о том, сколько процентов вы заплатите в течение срока действия вашего ипотечного кредита.</p><p data-block-key="faubt"><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="ap9ln"><br/><b>Общая сумма платежей (Total of payments)</b></h2><p data-block-key="4lksp">Это число говорит вам об общей сумме денег, которую вы выплатите в течение срока действия ипотеки.</p><p data-block-key="61qub"><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="bc5uc"><br/><b>TRID</b></h2><p data-block-key="89abi">«TRID» — это аббревиатура, которую некоторые люди используют для обозначения Правило комплексного раскрытия информации в соответствии с Законом о правдивости при кредитовании и Законом о порядке расчётов при заключении сделок с недвижимостью (<b>T</b>ILA<b> R</b>ESPA <b>I</b>ntegrated <b>D</b>isclosure rule).</p><p data-block-key="d8lup"><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">Подробнее (на английском языке)</a><br/><br/><br/></p><hr/><h2 data-block-key="7m28v"><br/><b>Кредит USDA (USDA loan)</b></h2><p data-block-key="4u7nq">Служба жилищного строительства в сельской местности (Rural Housing Service), входящая в состав Министерства сельского хозяйства США (USDA), предлагает ипотечные программы без первоначального взноса и, как правило, выгодные процентные ставки для покупателей жилья в сельской местности, отвечающих требованиям Министерства сельского хозяйства США по доходам.</p><p data-block-key="2iqls"><a href="/owning-a-home/loan-options/special-loan-programs/">Узнайте об этой и других специальных программах ипотечного кредита</a>.<br/><br/><br/></p><hr/><h2 data-block-key="7cliu"><br/><b>Кредит VA (VA loan)</b></h2><p data-block-key="dipa9">Кредит VA — это кредитная программа, предлагаемая Администрацией по делам ветеранов (VA), чтобы помочь военнослужащим, ветеранам и соответствующим критериям пережившим их супругам купить дома. VA не выдает кредиты, но устанавливает правила для тех, кто может претендовать на получение кредита, и условия ипотеки. VA гарантирует часть кредита, чтобы снизить риск потери для кредитора. Кредиты, как правило, доступны только для основного места жительства.</p><p data-block-key="5aa6b">Если вы ветеран, узнайте, <a>подходит ли вам кредит VA</a>.</p>
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diff --git a/www.consumerfinance.gov/language/ru/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/ru/shopping-for-a-mortgage/index.html
new file mode 100644
index 000000000000..3e1f7bb90c30
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1480 @@
+<!DOCTYPE html>
+<html lang="ru" class="no-js">
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+            <div class="m-global-eyebrow_actions">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
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+       >
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+       >
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+       >
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+       >
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+       >
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+    >
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+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
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+                m-global-eyebrow__list">
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+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
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+                    <li class="m-list_item">
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+    <main class="content content__2-1 content__bleedbar"
+          id="main">
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for a mortgage (in Russian)</div>
+<h1>Поиск ипотеки</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">Поиск ипотечного кредита требует времени и усилий. Но это может сэкономить вам тысячи долларов. Поставьте перед собой цель сравнить как минимум три кредитных предложения от разных кредиторов.</p>
+    </div>
+    <p data-block-key="g9gg0"><b>На этой странице:</b></p><ul><li data-block-key="7vip2"><a href="#preapproval">Получите как минимум три предварительных одобрения от кредиторов</a></li><li data-block-key="f5ri9"><a href="#shop">Сравните условия кредита, структуры процентных ставок и программы</a></li><li data-block-key="e031q"><a href="#loanprogram">Типы кредитных программ: Стандартная, FHA (Федеральное управление жилищного строительства США), VA (Администрация по делам ветеранов) или специальная программа</a></li><li data-block-key="49n2a"><a href="#compareoffers">Сравните кредитные предложения</a></li><li data-block-key="3vv6f"><a href="#betterdeal">Просите об улучшении условий сделки</a></li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8"><b><span id="preapproval"></span>Получите как минимум три предварительных одобрения</b></h2><p data-block-key="6sq6u">Интернет и газеты являются хорошим стартовым пунктом для начала поиска ипотечных кредиторов. Обратитесь к банкам, кредитным союзам и организациями, которые могут специализироваться на вашей ситуации, например, с теми, кто покупает жилье впервые, с ветеранами, работниками государственных и муниципальных служб и т. д.</p><p data-block-key="3shu0">Обратитесь за «предварительным одобрением» как минимум к трем разным кредиторам. Это означает, что кредитор проанализирует вашу финансовую ситуацию, включая вашу кредитную историю, и оценит, сколько вы можете занять и какой процент вам, скорее всего, придется платить.</p><p data-block-key="7hh34">Предварительное одобрение позволяет вам оценить каждого кредитора и узнать, какие виды кредитов и цены он предлагает. Получение всех трех предварительных одобрений в течение короткого времени не должно сильно повлиять на ваш кредитный рейтинг.</p><p data-block-key="aj0r5">Когда вы примете определенные решения, вернитесь к этим кредиторам и запросить у них кредитные предложения.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>Сравните условия кредита, структуры процентных ставок и программы</h2><h3 data-block-key="f4pau">Срок кредита: долгосрочный или краткосрочный</h3><p data-block-key="1vket">Как правило, кредит с длительным сроком стоит больше в течение срока кредита. Но ваши ежемесячные платежи, как правило, ниже. Вы можете договориться с кредитором о другом сроке кредита, например, на 20 лет, 7 лет или даже более 30 лет.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30-летний кредит
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Показать">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Скрыть">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">Большинство покупателей жилья выбирают 30-летний кредит, поскольку в этом случае платежи могут быть низкими.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15-летний кредит
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Показать">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Скрыть">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="k5v5o">Платежи, как правило, выше, чем по 30-летним кредитам, но ваш кредит погашается через 15 лет, и общая стоимость кредита может быть ниже.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="">
+    <h3>Структура процентной ставккредита: фиксированная или регулируемая процентная ставка</h3>
+        <p><p data-block-key="hwmx6">Кредиты с фиксированной процентной ставкой являются популярными. Ваш первоначальный платеж может быть ниже при использовании кредита с регулируемой процентной ставкой, однако если процентные ставки вырастут, вы можете столкнуться с резким увеличением платежей.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            Ипотека с фиксированной процентной ставкой
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Показать">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Скрыть">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="k5v5o">Ваша процентная ставка и ежемесячный платеж останутся неизменными на протяжении всего срока кредита.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            потека с регулируемой процентной ставкой (ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Показать">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Скрыть">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="k5v5o">Ваша процентная ставка обычно фиксируется в течение первых нескольких лет кредита. По истечении этого фиксированного периода процентная ставка пересматривается на регулярной основе в соответствии с «индексом». Индекс является мерой процентных ставок в целом и отражает тенденции в экономике в целом. Это означает, что сумма вашего платежа может увеличиваться или уменьшаться. Подробная информация содержится в оценке кредита, которую вы получаете от кредитора.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="9oxkw"><b><span id="loanprogram"></span>Типы кредитных программ: стандартная, FHA (Федеральное управление жилищного строительства США), VA (Администрация по делам ветеранов) или специальная программа</b></h2><p data-block-key="1mj0a">Существует множество кредитных программ, и некоторые из них созданы для оказания помощи в получении ипотечных кредитов людям в определенных обстоятельствах или группах.</p><h3 data-block-key="c9r85">Вносите первоначальный взнос в размере 5% и более?</h3><p data-block-key="dm3b8">Запросите информацию о соответствующем кредите Fannie Mae или Freddie Mac, который часто называют «обычным» кредитом.</p><h3 data-block-key="atvih">Вносите только небольшой первоначальный взнос?</h3><p data-block-key="58v8q">Запросите информацию о кредите, застрахованном FHA.</p><h3 data-block-key="973d2">Военнослужащий или ветеран?</h3><p data-block-key="3a2lh">Запросите информацию о кредите, гарантированном VA.</p><h3 data-block-key="a5k9m">Покупаете дом в сельской местности?</h3><p data-block-key="8ttjs">Запросите информацию о кредите, спонсируемом Министерством сельского хозяйства США (USDA).</p><h3 data-block-key="862an">Вы впервые покупаете жилье и имеете низкий или средний доход?</h3><p data-block-key="6pe6g">Запросите информацию о кредитах, доступных через агентство жилищного финансирования вашего штата.</p><h2 data-block-key="ekh1r"><b><span id="compareoffers">Сравните кредитные предложения</span></b></h2><p data-block-key="eh0ls">Теперь пришло время начать официальный процесс подачи заявления. Попросите у своих кредиторов предложения кредитов, отражающие ваши выборы по типу кредита, программе и сроку. Тогда вы сможете объективно сравнить эти предложения.</p><p data-block-key="2avah"><b>Сначала сравните основные характеристики кредита:</b></p><ul><li data-block-key="f7l5n">Каков срок кредита?</li><li data-block-key="d7nc0">Какова процентная ставка?</li><li data-block-key="bmt33">На какой сумме первоначального взноса основан кредит?</li><li data-block-key="9acq3">Каков размер ежемесячного платежа?</li><li data-block-key="avllt">Для кредитов с изменяемой процентной ставкой предусмотрены ли ограничения на изменение платежей и процентной ставки? Снижается ли процентная ставка, если рыночные процентные ставки уменьшаются</li></ul><p data-block-key="5q11a"><b>Затем сравните остальные детали, которые могут повлиять на ваши затраты:</b></p><ul><li data-block-key="941ab">Когда мои платежи погасят мою основную сумму кредита?</li><li data-block-key="3t6l">Изменятся ли платежи в течение срока кредита? Насколько большим может стать мой платеж?</li><li data-block-key="g1l3">Включает ли мой платеж налоги на недвижимость и страховку? Если нет, могу ли я позволить себе оплатить их отдельно?</li><li data-block-key="9s6di">Какие расходы и сборы будут добавлены к моему первоначальному платежу? К моему текущему платежу?</li><li data-block-key="8b70a">Нужно ли мне платить баллы (авансовые платежи, которые снижают вашу процентную ставку)?</li><li data-block-key="8gqk6">Какие сборы и расходы включены в занимаемую сумму (обычно для кредита «без затрат на закрытие сделки»)?</li><li data-block-key="2rnen">Соответствует ли письменное предложение тому, что было сообщено устно о кредите?</li><li data-block-key="94d97">Могу ли я получить более выгодное предложение по расчетному обслуживанию от разных поставщиков услуг?</li><li data-block-key="59r01">Могу ли я погасить кредит досрочно или сделать более крупные платежи, чем запланированные платежи, без штрафов?</li></ul><h2 data-block-key="d75v9"><b><span id="betterdeal"></span>Попросите лучшие условия сделки</b></h2><p data-block-key="4r1na">Когда вы получите предложения от нескольких кредиторов, спросите, могут ли они предложить лучшие условия. Переговоры являются обычной практикой, и нет ничего плохого в том, чтобы спросить. Кредитор может отказаться от одной или нескольких комиссий или уменьшить процентную ставку или баллы.</p><p data-block-key="c4jpu">Убедитесь в том, что кредитор не снижает одну комиссию, повышая другую, или не снижает вашу процентную ставку, но повышает ваши баллы.</p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+      <div class="m-related-links">
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+            <h2 class="m-slug-header_heading">
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diff --git a/www.consumerfinance.gov/language/ru/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/ru/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..0c24822002d1
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1468 @@
+<!DOCTYPE html>
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+            <span class="u-hide-on-mobile">Закрыть</span>
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+    <div class="m-global-search_content
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+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
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+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Поиск</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Поиск</button>
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+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
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+    <button class="o-mega-menu_trigger"
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+<div class="o-mega-menu_content o-mega-menu_content-1"
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+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
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+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for your auto loan (in Russian)</div>
+<h1>Выбор автокредита</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/shopping-for-your-auto-loan/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/shopping-for-your-auto-loan/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/shopping-for-your-auto-loan/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/shopping-for-your-auto-loan/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>Pусский</li>
+            <li>
+                <a href="/language/ar/shopping-for-your-auto-loan/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/shopping-for-your-auto-loan/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Несмотря на всю сложность, выбор кредита и получение лучших ставок и других условий не сильно отличается от обычного процесса покупки, и если заранее подготовиться, то можно избежать лишнего стресса и сделать процесс более простым.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Подготовка к подаче заявки на получение автокредита</h2><p data-block-key="9rgc7">Вы будете в лучшей позиции для поиска и совершения сделок по автокредиту, если выполните эти шаги до подачи заявки на автокредит.</p><h3 data-block-key="16i7v">На что следует обратить внимание в кредитном отчете</h3><p data-block-key="9gj6q">Информация в вашем кредитном отчете определяет ваш кредитный рейтинг. Ваш кредитный рейтинг играет большую роль в определении типа доступного для вас автокредита и процентной ставки по нему. Вот несколько полезных ресурсов:</p><ul><li data-block-key="aobq2">Чтобы ежегодно получать бесплатную копию кредитного отчета от каждого из трех национальных бюро кредитных историй, посетите <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2jaoc">Чтобы узнать, как проверять кредитный отчет на наличие ошибок и оспаривать их, посетите <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="f7boc">Чтобы узнать, что представляют собой кредитные отчеты и кредитные рейтинги, посетите <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">Вам нужен сопоручитель?</h3><p data-block-key="1180j">Сопоручитель — это человек, такой как родитель, член семьи или друг, который, как и вы, берет на себя обязательства по погашению кредита. Если ваша кредитная история ограничена или требует улучшения, и у вас низкий (или даже нулевой) кредитный рейтинг, ваша процентная ставка может значительно снизиться,</p><p data-block-key="4s8nt">если вашим сопоручителем выступит лицо с хорошей или превосходной кредитной историей. Это связано с тем, что кредитор будет учитывать кредитную историю сопоручителя при принятии решения о предоставлении кредита.</p><p data-block-key="cpb3a">Если вы решаете привлечь сопоручителя, вы оба должны тщательно обдумать это решение. Если вы не погашаете ваш кредит, вы и ваш сопоручитель будете нести ответственность за его погашение. Сопоручитель несет ответственность за кредит, даже если не имеет права владения автомобилем. Кроме того, просрочки по кредиту повлияют и на вашу кредитную историю и рейтинг, и на кредитную историю и рейтинг вашего сопоручителя. Как правило, федеральное законодательство запрещает кредитору требовать от вас назначения сопоручителя, если вы обращаетесь за кредитом. .самостоятельно и соответствуете стандартам кредитора относительно кредитоспособности. Более подробную информацию о сопоручительстве см. на веб-сайте <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Выясните текущие ставки по автокредитам</h3><p data-block-key="c65uf">Вы можете узнать ставки по автокредитам, обратившись в несколько банков, кредитных союзов или к другим кредиторам. Вы также можете найти эту информацию в интернете: на многих коммерческих веб-сайтах вам предоставят примерные процентные ставки по стране и регионам. Некоторые коммерческие сайты могут перенаправить вас на конкретных кредиторов и дилеров для получения предложений, поэтому будьте внимательны при предоставлении личной информации.</p><h3 data-block-key="7r4tv">Первоначальный платеж</h3><p data-block-key="8tnai">Первоначальный платеж уменьшит общую сумму кредита, так как вам придется занимать меньше денег. Чем выше первоначальный платеж, тем ниже общая стоимость кредита.</p><h3 data-block-key="aqsro">Решите, хотите ли вы отдать свой старый автомобиль на обмен нового с доплатой</h3><p data-block-key="dp76j">Если у вас уже есть автомобиль, выясните его стоимость, чтобы узнать, сколько вы сможете выручить от его продажи, или отдав его в счет нового. Примерную цену можно посмотреть на коммерческих веб-сайтах, таких как Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power и на досках объявлений в сети. Эти ресурсы также можно найти в вашей местной библиотеке. Чтобы определить справедливую цену, поищите информацию о продажах подобных автомобилей в вашем регионе.</p><p data-block-key="82d83">После определения цены имеющегося автомобиля можно решить, стоит ли обменивать с доплатой. Если вы оформляете отдачу старого автомобиля в счет нового в дилерской компании, вы и дилер определяете стоимость, которая будет вычтена из цены вашего нового автомобиля. Если вы самостоятельно продаете автомобиль, вы можете использовать вырученные деньги для покупки нового.</p><h2 data-block-key="cpj5o">Если ваш старый автомобиль взят в кредит, отнеситесь к такой ситуации со всей осторожностью</h2><p data-block-key="27ilc">Тщательно обдумайте, стоит ли брать на себя новый долг в дополнение к имеющемуся. Вот несколько рекомендаций:</p><ul><li data-block-key="7k89j">Определите <b>сумму выкупа</b>, которая будет использована для погашения имеющегося кредита, у вашего текущего кредитора, прежде чем обратиться к дилеру.</li><li data-block-key="4quks">Решите, будете ли вы погашать имеющийся кредит сейчас, или подождете, пока не будет погашен ваш старый автокредит до заключения нового, или вы добавите сумму задолженности по старому кредиту к новому кредиту.</li><li data-block-key="b1qst">Если за имеющийся автомобиль вы должны больше, чем он стоит — это называется <b>обесцененным капиталом</b>. Если вы переносите баланс вашего имеющегося автокредита на новый, новый автокредит может обойтись вам намного дороже. При этом общая стоимость кредита повысится из-за того, что вам придется взять в кредит сумму, превышающую цену нового автомобиля.</li><li data-block-key="f163q">После определения стоимости при обмене старого автомобиля на новый с доплатой, если сумма вашей задолженности по такому обмену меньше его стоимости, в ходе переговоров убедитесь, что вам предлагают справедливую цену и вы сможете полностью оплатить задолженность по старому автокредиту.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="m8tu6">Все равно должны денег после обмена с доплатой?</h3><p data-block-key="9g3b9">Если вы хотите перенести баланс по старому кредиту на новый, убедитесь, что вы понимаете, как это повлияет на общую стоимость нового кредита. Внимательно проверьте общую стоимость нового кредита, включая одолженную сумму, годовую процентную ставку (APR), ставку вознаграждения, срок кредита (в месяцах) и сумму ежемесячного платежа, прежде чем согласиться на что-либо. Если вы не включаете текущую задолженность за старый автомобиль в новый кредит, а решили сохранить старый автомобиль и купить новый, у вас будет два кредита и два ежемесячных платежа. В любом случае, подумайте: стоит ли покупать следующий автомобиль, когда вы еще не погасили кредит за предыдущий автомобиль. Более подробную информацию см. на веб-сайте <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Обдумайте дополнения заранее</h3><p data-block-key="3tk6a">Автодилер, скорее всего, предложит вам дополнительные продукты и услуги для автомобиля или кредита. Рекомендуем заранее обдумать такие дополнения, чтобы у вас было меньше забот при покупке, и вы смогли заранее определить необходимость таких дополнений. Типовые дополнения:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>Контракты на обслуживание или расширенные гарантии</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>Промежуточное (GAP) страхование</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>Кредитное страхование</b></a></li><li data-block-key="de6vq"><b>Дополнительные функции для автомобиля,</b> такие как сигнализация, затемнение стекол, защита шин и колес и т.д.</li></ul><p data-block-key="d5ki6">Такие продукты и услуги являются необязательными. Если вы решите купить их, цену можно обсуждать. Если вы обдумываете их покупку, соберите информацию. Например, ваша собственная компания автострахования может предложить промежуточное страхование, кредитное страхование или их альтернативы. Если вы включаете в кредит дополнительные опции, одалживаемая сумма и платежи возрастают.</p><p data-block-key="a34aa">Теперь, после того, как мы сделали домашнее задание, давайте приступим к следующему шагу: выбору автокредита. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">Для отслеживания условий кредита и сравнения ваших вариантов, используйте таблицу автокредита на consumerfinance.gov.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> Возьмите эту таблицу с собой в банк, кредитный союз, к другому кредитору или дилеру, чтобы сравнить варианты кредита и заключить самую выгодную сделку.</p><h2 data-block-key="82bj6">Выбор автокредита</h2><p data-block-key="dqthp">Теперь вы готовы к тому, чтобы выбрать кредит. До того, как пойти к дилеру, соберите свои личные данные и подумайте о том, чтобы получить предварительное одобрение кредита.</p><p data-block-key="14t59">Если вы займетесь этим заранее, вы подготовитесь к обсуждению вашего автокредита и сделаете процесс менее сложным для себя.</p><h3 data-block-key="f6jf9">Соберите личные данные</h3><p data-block-key="4q6bm">Прежде чем обратиться в банк, кредитный союз или к дилеру, соберите всю необходимую информацию. Кредиторы, как правило, просят указать в заявке на получение кредита следующую информацию:</p><ul><li data-block-key="5hfk1">ФИО</li><li data-block-key="aapgb">Номер социального страхования или Индивидуальный идентификационный номер налогоплательщика (ИИНН)</li><li data-block-key="h7eb">Дата рождения</li><li data-block-key="frh6e">Текущий и предыдущие адрес и длительность проживания</li><li data-block-key="2l2mf">Текущий и предыдущий работодатель и длительность трудоустройства</li><li data-block-key="b1vik">Род занятий</li><li data-block-key="6rss3">Источник дохода</li><li data-block-key="60c26">Общий ежемесячный доход</li><li data-block-key="408ao">Финансовые данные о текущих кредитных счетах, включая прочие задолженности</li></ul><h3 data-block-key="7gm0l">Получите предварительное одобрение кредита</h3><p data-block-key="tpuu">Получение предварительно одобренного кредитного предложения с максимальной суммой кредита и процентной ставкой от банка, кредитного союза или другого кредитора — хорошее начало. Если вы возьмете с собой к дилеру кредитное предложение от кредитора, вы сможете упрочить свое положение и получить более выгодные условия, а затем решить, чем воспользоваться: имеющимся предложением или предложением дилера.</p><p data-block-key="1n73q">Предварительное одобрение кредита также поможет вам контролировать свой бюджет и сравнить процентные ставки без спешки и давления, которые часто возникают при покупках у дилеров. Это позволит вам сосредоточиться на фактической цене автомобиля и его стоимости при обмене с доплатой, поскольку вы уже будете знать, какие условия кредитования вы можете получить. Вам не обязательно использовать такой предварительно одобренный кредит — вы можете согласовать более выгодные условия кредита с дилером.</p><p data-block-key="74vsi">Если ваша заявка прошла предварительное одобрение, кредитор даст вам документы, которые вы возьмете с собой к дилеру. После того, как вы будете готовы совершить покупку, дилер выполнит окончательное согласование с кредитором.</p><h3 data-block-key="9e9g">Как выбор кредита влияет на кредитный рейтинг</h3><p data-block-key="ed00">Поиск и выбор наиболее выгодного предложения, как правило, оказывает несущественное или нулевое воздействие на ваш кредитный рейтинг. При этом преимущества поиска и выбора значительно перевешивают его влияние на вашу кредитную историю. В некоторых случаях подача заявок на несколько кредитов на протяжении длительного времени может снизить ваш кредитный рейтинг. В зависимости от модели расчета кредитного рейтинга, как правило, все запросы таких кредиторов на получение вашей кредитной истории на протяжении периода от 14 до 45 дней рассматриваются как один запрос. Это значит, что если вы будете заниматься поиском и выбором автокредита на протяжении этого периода, все ваши заявки будут считаться одной заявкой. Чтобы минимизировать негативное воздействие на кредитный рейтинг, осуществляйте подбор в течение короткого периода времени.</p><h3 data-block-key="ff4qh">Знайте свои права</h3><p data-block-key="863ig">Кредитор не имеет права препятствовать в подаче заявки на кредит, отклонять ее или предлагать другие цены, сроки или условия кредита из-за вашей расовой принадлежности, цвета кожи, религии, национальности, пола, семейного положения, возраста, факта получения государственного пособия или добросовестного исполнения любых прав, предусмотренных в Законе о защите потребительского кредита.</p><p data-block-key="55jgs">Вы можете сообщить о мошенничестве онлайн в Федеральной Торговой Комиссии на веб-сайте <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. Также вы можете подать жалобу в Бюро по защите финансовых потребителей на <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> или позвонив по бесплатному номеру 1-855-411-CFPB (2372).</p>
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diff --git a/www.consumerfinance.gov/language/ru/understand-your-credit-report-ru/index.html b/www.consumerfinance.gov/language/ru/understand-your-credit-report-ru/index.html
new file mode 100644
index 000000000000..37de64982d53
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/understand-your-credit-report-ru/index.html
@@ -0,0 +1,1454 @@
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
+                Enforcement Overview
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
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+     role="navigation"
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
+    </button>
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/data-research/">
+                Data &amp; Research Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    <div class="eyebrow">Understand your credit report (Russian)</div>
+<h1>Что обозначает ваш кредитный отчет</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="oqirl">Если вы запросили, чтобы вам предоставили бесплатный отчет о вашей кредитоспособности, вы можете использовать указанную ниже информацию для того, чтобы разобраться в этом отчете и убедиться, что в нем нет никаких ошибок.</p>
+    </div>
+    <p data-block-key="dklcb">Кредитный отчет легче всего можно изучить в том случае, если вы знаете и понимаете все элементы его - что они обозначают и как они влияют на ваш статус в отношении кредитоспособности.</p><p data-block-key="eog4d">Отчеты могут быть составлены в различной форме или могут использовать различные слова. Однако они предоставляют одну и ту же информацию, которая описана ниже.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <p data-block-key="plez7"></p><img alt="Form snapshot of "Personal Information"" class="richtext-image left" height="309" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_1.width-500.png" width="500"><h2 data-block-key="4i2lf">Персональные данные</h2><p data-block-key="d3f7f">Бюро кредитных историй используют ваши персональные данные, чтобы убедиться в том, что вы являетесь тем лицом, которое открыло счета, описанные в отчете. Внимательно просмотрите этот раздел, чтобы убедиться в том, что в отношении вас там указана правильная и обновленная информация. Неправильно указанное имя, фамилия или неправильный номер социального обеспечения могут привести к тому, что вас будут обвинять в неуплате долга другого лица.</p><p data-block-key="2vmb5"></p><img alt="Form snapshot of "Public records"" class="richtext-image left" height="125" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_2.width-500.png" width="500"><p data-block-key="bfvdo"></p><h2 data-block-key="enhq3">Официальные документы с открытым доступом</h2><p data-block-key="9ukhd">Банкротства и обращения взыскания на различное имущество, в некоторых случаях, это единственные открытые официальные документы, которые предоставляются в кредитных отчетах, исходящих от трех общенациональных бюро кредитных историй. Открытые судебные материалы могут оказывать негативное влияние на вашу кредитную историю и на ваш рейтинг. Если у вас были банкротства, то они могут указываться в вашем кредитном отчете в течение 10 лет. Негативная информация в вашем кредитном отчете может приводить к тому, что у вас будет более высокая процентная ставка или вам откажут в выдаче кредита.</p><h2 data-block-key="4mvgo">Информация о счете</h2><p data-block-key="chgic">В разделе сведений о различных счетах один за другим будут указаны ваши кредитные счета. Как правило, заимодавцы обновляют свою информацию ежемесячно. Обычно такая информация включает в себя ваше платежное поведение, наличие каких-либо задолженностей по текущим или прошлым счетам, ваш баланс на счетах и типы ссуд или счетов. Если в вашем кредитном отчете указано такое название заимодавца, которое незнакомо вам, то это может быть название материнской компании вашего заимодавца или может быть новая компания, в которую вступил ваш заимодавец путем слияния компаний. Если вы не уверены, что это точное название - проверьте информацию, написанную мелким шрифтом в своем ежемесячном счете, или свяжитесь с заимодавцем. Если в вашем кредитном отчете указывается такой счет, который не принадлежит вам, то в таком случае вы имеете право оспаривать его присутствие в отчете.</p><p data-block-key="2i5p9">В кредитных отчетах информация о ваших счетах в компаниях-эмитентах кредитных карточек и счетах у других заимодавцев указывается как удовлетворительная или хорошая, либо как неудовлетворительная или потенциально негативная.</p><p data-block-key="dq8ps"></p><img alt="" class="richtext-image left" height="372" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_3_VZcXZVa.width-500.png" width="500"><p data-block-key="3d09t"></p><h3 data-block-key="9cfo3">Счета в удовлетворительном состоянии</h3><p data-block-key="cnikl">Счета в удовлетворительном состоянии, это счета без нарушений. Они указывают на то, что бюро кредитных историй не получало недавно сообщений негативного характера. Счет обычно считается удовлетворительным в том случае, если он оплачивается в течение 30 дней после даты оплаты. Своевременная оплата защищает вашу кредитную историю и кредитный рейтинг.</p><p data-block-key="be30h"></p><img alt="" class="richtext-image left" height="131" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_4.width-500.png" width="500"><p data-block-key="9v503"></p><h3 data-block-key="fodgp">Счета в потенциально негативном состоянии</h3><p data-block-key="e9i86">Счета, в которых просрочены сроки оплаты, или по которым проводится принудительное взыскание, описываются как неудовлетворительные или потенциально негативные. Бюро кредитных историй обычно сообщает самую худшую негативную информацию, например, пропущенные платежи или принудительное взыскание средств. Такая информация предоставляется за последние семь лет. Возможно, вы увидите, что у компании, выдавшей первоначальную ссуду, было другое название. Заимодавцы иногда обращаются к другим компаниям для того, чтобы взыскивать причитающиеся им долги. Или иногда они продают причитающийся им долг. В таком случае компания, которая стала новым владельцем долга, в кредитном отчете указывается вместе с</p><h2 data-block-key="2h4m6">Запросы в отношение кредитоспособности</h2><p data-block-key="ei5o6">Бюро кредитных историй получают запросы от субъектов хозяйствования, заимодавцев или работодателей, когда те просят предоставить им ваш отчет о кредитоспособности. Причина подачи такого запроса может влиять на ваш кредитный рейтинг.</p><p data-block-key="9mmgt"></p><img alt="" class="richtext-image left" height="114" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_5.width-500.png" width="500"><p data-block-key="a6d04"></p><h3 data-block-key="9h8pa">Запросы на углубленное изучение</h3><p data-block-key="5fcjd">Запрос на углубленное изучение вашего кредитного отчета подается заимодавцем тогда, когда вы подали заявление на предоставление кредита. Запросы на углубленное изучение могут влиять на ваш кредитный рейтинг, потому что в большинстве моделей рейтинга кредитоспособности учитывается то, как давно вы подавали заявление на предоставление кредита и как часто это происходит.</p><p data-block-key="b8ltk"></p><img alt="" class="richtext-image left" height="116" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_6.width-500.png" width="500"><p data-block-key="bi7nm"></p><img alt="" class="richtext-image left" height="115" src="https://files.consumerfinance.gov/f/images/cfpb_understand-credit-report_7.width-500.png" width="500"><p data-block-key="6ko1a"></p><h3 data-block-key="nnou">Запросы на поверхностное изучение</h3><p data-block-key="faact">Запрос на поверхностное изучение подается тогда, когда ваши данные о кредитоспособности рассматриваются по другим причинам, которые не связаны с подачей заявления на получение кредита. Например, когда заимодавец проверяет существующий счет, или когда вы попросили предоставить вам ваш собственный кредитный отчет, или когда потенциальный заимодавец хочет предварительно проверить вас перед тем, как предлагать вам кредит. Запросы на поверхностное изучение не затрагивают ваш кредитный рейтинг.</p><h2 data-block-key="m9ti">После того, как вы проверили свои отчеты, внимательно следите за ними</h2><h3 data-block-key="d0bpa">Заведите себе привычку периодически проверять свой кредитный отчет</h3><p data-block-key="2daml">Один раз в 12 месяцев вы имеете право запросить, чтобы вам бесплатно предоставили копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй: Equifax, Experian и TransUnion. Кроме этого, до конца 2026 года вы имеете право получать у компании Equifax шесть бесплатных кредитных отчетов каждые 12 месяцев.</p><p data-block-key="2dj39">Заходите на веб-сайт <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>, позвоните по телефону (877) 322-8228, или скачайте и заполните бланк запроса ежегодно кредитного отчета и отправьте его по почте по тому адресу, который указан в бланке. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в своем рейтинге кредитоспособности.</p><h3 data-block-key="216d4">Быстро принимайте меры для того, <br/> чтобы исправлять ошибки</h3><p data-block-key="foubv">Вы можете использовать бланки типичных писем для того, чтобы оспаривать ошибки в кредитном отчете или отвечать на действия, направленные на взыскание долга. Такие письма имеются на веб-сайте: <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/askcfpb/314</a>.</p><h3 data-block-key="icid">Предпринимайте действия для того, чтобы улучшить свою кредитоспособность или лучше понимать ее</h3><p data-block-key="e4bbm">Вы можете получить информацию и советы на веб-сайте: <a href="/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a>. </p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Будьте в курсе
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="sxb5x">Подпишитесь, чтобы получать информацию о помощи, доступной на разных языках</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Эл. почта
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">Подписаться</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                См. заявление касательно закона «О неприкосновенности частной жизни»
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ЗАКАЗАТЬ И СКАЧАТЬ ПУБЛИКАЦИИ
+            </h2>
+        </header>
+    <p data-block-key="3td39">Бесплатные публикации на разных языках, охватывающие широкий круг тем, которые вы можете заказать в печатном виде или скачать.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a class="m-list_link a-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"><span class="a-link_text">Поиск публикации</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПОМОЩЬ НА РАЗНЫХ ЯЗЫКАХ И ДЛЯ НОВОПРИБЫВШИХ
+            </h2>
+        </header>
+    <p data-block-key="3td39">В США финансовые продукты и услуги обычно описываются на английском языке. Если у человека основным языком общения является какой-либо другой язык, ему может быть сложно понять и использовать эти продукты и услуги.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a href="/language"
+                  class="m-list_link">См. ресурсы о помощи на разных языках и для новоприбывших</a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПЛАН ЯЗЫКОВОГО ДОСТУПА
+            </h2>
+        </header>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a class="m-list_link a-link a-link__icon" href="https://www.federalregister.gov/documents/2017/11/16/2017-24854/final-language-access-plan-for-the-consumer-financial-protection-bureau"><span class="a-link_text">План языкового доступа CFPB</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПРАВОВОЕ УВЕДОМЛЕНИЕ
+            </h2>
+        </header>
+    <p data-block-key="3td39">Данная страница содержит информацию общего характера, предназначенную для потребителей. Она не представляет собой юридическую консультацию или совет в отношении нормативно-правовых требований. CFPB периодически обновляет эту информацию. Эта информация может содержать ссылки или упоминания о ресурсах и контенте третьих сторон. Мы не рекомендуем какие-либо третьи стороны и не гарантируем точность их информации. Возможно, что существуют и другие ресурсы, которые также могут соответствовать вашим потребностям.</p>
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+<svg class="cf-icon-svg cf-icon-svg__linkedin-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.666h15.834zM5.77 6.427a.96.96 0 0 0-1.032-.96.962.962 0 1 0-.025 1.92h.013a.963.963 0 0 0 1.044-.96m-.123 1.719H3.803v5.552h1.845zm6.658 2.368c0-1.705-.91-2.5-2.125-2.5a1.832 1.832 0 0 0-1.663.917v-.786H6.67c.025.52 0 5.554 0 5.554h1.848v-3.102a1.264 1.264 0 0 1 .06-.45 1.011 1.011 0 0 1 .946-.676c.67 0 .936.51.936 1.256V13.7h1.846zm-3.8-1.564.013-.019v.019z"></path></svg>
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diff --git a/www.consumerfinance.gov/language/ru/understand-your-credit-score-ru/index.html b/www.consumerfinance.gov/language/ru/understand-your-credit-score-ru/index.html
new file mode 100644
index 000000000000..a8b4d7b58a1f
--- /dev/null
+++ b/www.consumerfinance.gov/language/ru/understand-your-credit-score-ru/index.html
@@ -0,0 +1,1454 @@
+<!DOCTYPE html>
+<html lang="ru" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
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+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>Что обозначает ваш кредитный рейтинг | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/learn-page/index.html">
+    <meta name="description"
+          content="Для того, чтобы оценить вероятность возвращения вами денег, которые вы берете взаймы, банки, компании-эмитенты кредитных карточек и другие субъекты хозяйственной деятельности используют кредитные рейтинги.">
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+   <span class="u-usa-flag"></span>
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+                              title="Search the CFPB"
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+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
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+        Resources for Yourself
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       >
+        Coronavirus Resources
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
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+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
+                >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+</div>
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+        Data &amp; Research
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+       >
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
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+</li>
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+        </div>
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Prepaid Account Agreements
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/ru/">
+                    CFPB in Russian
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Understand your credit score (Russian)</div>
+<h1>Что обозначает ваш кредитный рейтинг</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="oqirl">Для того, чтобы оценить вероятность возвращения вами денег, которые вы берете взаймы, банки, компании-эмитенты кредитных карточек и другие субъекты хозяйственной деятельности используют кредитные рейтинги.</p>
+    </div>
+    <p data-block-key="dklcb">Высокий кредитный рейтинг поможет вам получить ссуду и уменьшит величину процентной ставки. Многие системы рейтингов используют шкалу от 300 до 850 баллов, однако различные компании используют различные диапазоны величин.</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="kotb1">Вас могут оценивать по многим кредитным рейтингам</h2><p data-block-key="7g80u">Вас могут оценивать по многим кредитным рейтингам, потому что:</p><ul><li data-block-key="7ml6c">Заимодавцы используют различные рейтинги для различных продуктов</li><li data-block-key="eke2h">Существует много различных формул для рассчета кредитного рейтинга</li><li data-block-key="7n14f">Информация может поступать из различных источников, которые предоставляют сообщения в системы кредитных рейтингов</li></ul><p data-block-key="9je9e">Например, рейтинг кредитной карточки может отличаться от ипотечного рейтинга, а какой-либо рейтинг, который вы покупаете онлайн, может отличаться от обоих этих рейтингов.</p><p data-block-key="fc8d8">Для некоторых лиц эти различия не являются большими. Но вследствие того, что заимодавцы используют различные системы рейтингов, у некоторых заимодавцев вы можете получить более низкий процент, чем у других. Если вы будете сравнивать цены - вы можете выиграть от этого.</p><h2 data-block-key="39jdm">Откуда берутся кредитные рейтинги?</h2><p data-block-key="3r4uf">Ваш кредитный рейтинг обычно основан на информации, указанной в ваших кредитных отчетах. Ваши заимодавцы сообщают эту информацию в бюро кредитных историй. Три самые крупные из них - Equifax, Experian и TransUnion.</p><p data-block-key="6qoo6">На ваш кредитный рейтинг влияют несколько факторов, включая следующие:</p><ul><li data-block-key="6ik60">Сколько у вас имеется счетов с отрытым кредитом</li><li data-block-key="djj5t">Как давно вы пользуетесь этими счетами</li><li data-block-key="bcalk">Как близко вы подбираетесь к максимальному лимиту вашего кредита</li><li data-block-key="ek77k">Как часто вы опаздываете с предоставлением платежей</li><li data-block-key="kqbp">Прочие факторы</li></ul><h2 data-block-key="20pm3">Как можно повысить свой рейтинг</h2><ul><li data-block-key="8vm61"><b>Постоянная своевременная оплата своих счетов оказывает самое большое влияние на величину вашего рейтинга. </b>Один из способов обеспечения своевременной оплаты своих платежей - регистрация на автоматическое взимание платежей или настройка электронных напоминаний о необходимости выполнить платеж. Если вы пропустили платеж - оплатите его и не допускайте задолженностей.</li><li data-block-key="9su2g"><b>Не приближайтесь к максимальной сумме своего кредитного лимита. </b>Модели определения рейтинга кредитоспособности учитывают то, как близко вы приближаетесь к своему максимальному кредитному лимиту. Поэтому попытайтесь сохранять баланс на низком уровне пропорционально к своему общему лимиту кредитования. Эксперты советуют, чтобы вы не превышали уровень, составляющий 30 процентов от вашего общего лимита кредитования</li><li data-block-key="d25sk"><b>Наличие долгосрочной кредитной истории помогает повысить ваш рейтинг. </b>Кредитные рейтинги зависят от показателей, накопленных в течение времени. Ваш рейтинг повышается с течением времени: чем дольше существует предоставленный кредит - тем выше рейтинг. Откройте различные типы счетов и своевременно оплачивайте их.</li><li data-block-key="4qlgp"><b>Действуйте осторожно при закрытии счетов. </b>Если вы закроете несколько счетов кредитных карточек и переведете весь баланс или большую его часть на одну кредитную карточку - такие действия могут понизить ваш кредитный рейтинг, если вы будете использовать более высокий процент от общего объема своего лимита кредитования. Частое открытие счетов и переведение балансов между ними также может негативно сказаться на вашем рейтинге.</li><li data-block-key="7ll2v"><b>Подавайте заявления на получение только тех кредитных линий, которые вам нужны. </b>Кредитный рейтинг отображает ваше недавнее взаимодействие с предоставленными кредитами, что является индикатором ваших нужд в отношении кредитов. Если вы будете запрашивать большое количество кредитных линий в течение короткого промежутка времени - может создаться впечатление, что у вас ухудшилась ситуация с деньгами.</li></ul><h2 data-block-key="b2kvr">Ваш кредитный отчет имеет такое же значение, как и ваш рейтинг</h2><p data-block-key="48f7f">Если в ваших кредитных отчетах существуют ошибки - они могут отрицательно сказаться на вашей кредитной истории и кредитном рейтинге. Поэтому регулярно проверяйте их.</p><p data-block-key="i6kl">Один раз в 12 месяцев вы имеете право бесплатно получить копию своего кредитного отчета от каждого из трех общенациональных бюро кредитных историй. Заходите на веб-сайт: annualcreditreport.com или звоните по телефону: 877-322-8228. Кроме этого, до 31 декабря 2026 года компания Equifax будет предоставлять шесть бесплатных кредитных отчетов каждые 12 месяцев. При посещении сайта, возможно, вы увидите инструкции о том, как можно более часто просматривать свой рейтинг через Интернет. Таким образом вам представляется больше возможностей для того, чтобы отслеживать изменения в вашем рейтинге кредитоспособности.</p><h3 data-block-key="327jc">Когда вы получите свой отчет - обратите внимание на следующие моменты:</h3><ul><li data-block-key="djkn6">Ошибки в таких данных, как фамилия и имя, номер телефона или адрес</li><li data-block-key="3m7qr">Ссуды, кредитные карточки или другие счета, которые не являются вашими</li><li data-block-key="1528m">Сообщения о том, что вы предоставляли оплату с опозданием, хотя вы оплачивали вовремя</li><li data-block-key="5qn0c">Счета, которые были вами закрыты, но которые указаны как открытые счета</li><li data-block-key="458rs">Один и тот же пункт, который показывается несколько раз (например - неоплаченный долг)</li></ul><h2 data-block-key="c3s6n">Как исправлять ошибки</h2><p data-block-key="6tnfm">Если в своем кредитном отчете вы обнаружили какую-либо неточную информацию - вы можете связаться как с бюро кредитных историй, так и с компанией, которая предоставила такую информацию (например: компания-эмитент кредитных карточек). Объясните им, что по вашему мнению указано неправильно и почему. Приложите копии документов, которые подтверждают вашу позицию. В ваших кредитных отчетах предоставлены инструкции о том, как можно оспаривать существующие ошибки.</p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Будьте в курсе
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="sxb5x">Подпишитесь, чтобы получать информацию о помощи, доступной на разных языках</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Эл. почта
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">Подписаться</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                См. заявление касательно закона «О неприкосновенности частной жизни»
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ЗАКАЗАТЬ И СКАЧАТЬ ПУБЛИКАЦИИ
+            </h2>
+        </header>
+    <p data-block-key="3td39">Бесплатные публикации на разных языках, охватывающие широкий круг тем, которые вы можете заказать в печатном виде или скачать.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a class="m-list_link a-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"><span class="a-link_text">Поиск публикации</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПОМОЩЬ НА РАЗНЫХ ЯЗЫКАХ И ДЛЯ НОВОПРИБЫВШИХ
+            </h2>
+        </header>
+    <p data-block-key="3td39">В США финансовые продукты и услуги обычно описываются на английском языке. Если у человека основным языком общения является какой-либо другой язык, ему может быть сложно понять и использовать эти продукты и услуги.</p>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a href="/language"
+                  class="m-list_link">См. ресурсы о помощи на разных языках и для новоприбывших</a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПЛАН ЯЗЫКОВОГО ДОСТУПА
+            </h2>
+        </header>
+        <ul class="m-list m-list__links">
+            <li class="m-list_item">
+                <a class="m-list_link a-link a-link__icon" href="https://www.federalregister.gov/documents/2017/11/16/2017-24854/final-language-access-plan-for-the-consumer-financial-protection-bureau"><span class="a-link_text">План языкового доступа CFPB</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block">
+      <div class="m-related-links">
+        <header class="m-slug-header">
+            <h2 class="m-slug-header_heading">
+                ПРАВОВОЕ УВЕДОМЛЕНИЕ
+            </h2>
+        </header>
+    <p data-block-key="3td39">Данная страница содержит информацию общего характера, предназначенную для потребителей. Она не представляет собой юридическую консультацию или совет в отношении нормативно-правовых требований. CFPB периодически обновляет эту информацию. Эта информация может содержать ссылки или упоминания о ресурсах и контенте третьих сторон. Мы не рекомендуем какие-либо третьи стороны и не гарантируем точность их информации. Возможно, что существуют и другие ресурсы, которые также могут соответствовать вашим потребностям.</p>
+</div>
+   </div>
+    </aside>
+</div>
+    </main>
+<footer class="o-footer">
+    <div class="wrapper wrapper__match-content">
+        <div class="o-footer_pre">
+            <a class="a-btn a-btn__secondary o-footer_top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#">
+                Back to top <svg class="cf-icon-svg cf-icon-svg__arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.029 1.029 0 0 1 0 1.456z"></path></svg>
+</a>
+            <ul class="o-footer_nav-list m-list">
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/">
+                            About Us
+                        </a>
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+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/contact-us/">
+                            Contact Us
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/careers/">
+                            Careers
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/events/">
+                            Events
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/enforcement/information-industry-whistleblowers/">
+                            Industry Whistleblowers
+                        </a>
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+                        <a class="m-list_link" href="/cfpb-ombudsman/">
+                            CFPB Ombudsman
+                        </a>
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+                        block__flush-top
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+            m-social-media__follow">
+    <ul class="m-list
+               m-list__unstyled
+               m-list__horizontal
+               m-social-media_icons">
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diff --git a/www.consumerfinance.gov/language/tl/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/tl/act-fast-if-you-cant-pay-your-credit-cards/index.html
new file mode 100644
index 000000000000..d2e371cbce49
--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -0,0 +1,1458 @@
+<!DOCTYPE html>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
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+    >
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+       >
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+       >
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+       >
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/tl/">
+                    CFPB in Tagalog
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Act fast if you can’t pay your credit cards (in Tagalog)</div>
+<h1>Kumilos agad kung hindi mo kayang bayaran ang iyong mga credit card</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/language/ru/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Agad na kumilos at tawagan ang kumpanya ng iyong credit card kung naniniwala kang hindi mo kayang bayaran ang minimum na kabayaran sa iyong credit card.</p>
+    </div>
+    <p data-block-key="6l3co">Maraming kumpanya ng credit card ang maaaring pumayag na tumulong kung nahaharap ka sa pinansyal na emerhensya. Hindi mo kailangang mahuli sa iyong pagbabayad para makahingi ng tulong!</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Huwag balewalain ang problema</h2><p data-block-key="6ob8l">Maaari lamang magdulot iyon ng mas malalaking problema, tulad ng:</p><ul><li data-block-key="3p8m3">Mas matataas na antas ng interes</li><li data-block-key="rufk">Mas matataas na minimum na kabayaran</li><li data-block-key="1t908">Pagkawala ng mga pribilehiyo sa pagcharge</li><li data-block-key="3tssa">Mga singil sa nahuling pagbayad</li><li data-block-key="f0anj">Pagkasira sa iyong credit score</li></ul><h2 data-block-key="e0v5p">Narito ang kailangang gawin</h2><h3 data-block-key="7h7ck">1. Sumahin ang iyong kita at mga gastusin</h3><p data-block-key="i15d">Look for ways to cut costs. If you can’t find enough to pay your minimum payment, decide how much you can afford to pay.</p><h3 data-block-key="f1muv">2. Tawagan ang kumpanya ng iyong credit card  </h3><p data-block-key="fmnkl">Siguraduhing malinaw na naipapaliwanag ang:</p><ul><li data-block-key="bkphj">Bakit hindi mo kayang bayaran ang minimum</li><li data-block-key="er4s7">Magkano ang kaya mong bayaran</li><li data-block-key="1c7uu">Kailan mo maaaring muling masimulan ang iyong mga normal na pagbabayad</li></ul><h3 data-block-key="9per">3. Isaalang-alang ang credit counseling</h3><p data-block-key="13g3n">Kung kailangan mo pa ng karagdagang tulong, ang mga nonprofit na organisasyon sa credit counseling ay makakapagturo sa iyo ng higit pa tungkol sa pangangasiwa ng iyong pera.</p><p data-block-key="7dbp">Bago mag-sign up para sa credit counseling, itanong kung mapapatawan ka ng singil, magkano, at kung anong mga serbisyo ang ipagkakaloob. Siguraduhing naglalaan ng panahon ang iyong credit counselor upang matutunan ang tungkol sa iyong pinansyal na sitwasyon, at nag-aalok na tulungan kang matutunan ang kung paano ito mapapabuti.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="53x1t">Walang madaliang pagresolba</h2><p data-block-key="dllbl">Sinasabi ng ilan sa mga for-profit na kumpanyang tumutulong sa utang na matutulungan ka nilang mabayaran ang iyong mga utang “sa napakaliit na halaga.” Ngunit madalas, hindi naaangkop ang mga pangakong ito. Mag-ingat sa anumang organisasyong tumutulong sa utang na:</p><ul><li data-block-key="454jn">Nagpapataw ng mga singil bago resolbahin ang iyong mga utang</li><li data-block-key="3iotd">Naggagarantiya na sa pamamagitan nila ay puwedeng maglaho ang iyong utang</li><li data-block-key="apc4p">Nagsasabi sa iyong tumigil sa pakikipag-usap sa mga nagpapautang o mga kumpanya ng credit card</li><li data-block-key="f2rr">Nagsasabi sa iyong tumigil sa pagbabayad mo sa credit card o loan</li></ul>
+</div>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Manatiling napapanahon
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="2950y">Mag-sign up para sa impormasyon upang matulungan ang mga multilingguwal na komunidad</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
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+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Email address
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
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+            <button class="a-btn">Mag-sign up</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
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+               target="_blank"
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+                Tingnan ang pahayag ng Batas sa Pagkapribado
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diff --git a/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html b/www.consumerfinance.gov/language/tl/auto-loan-key-terms/index.html
new file mode 100644
index 000000000000..2e77e6bfe612
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+   >
+    Mga pangunahing kataga para sa mga loan sa sasakyan
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/bank-accounts-key-terms/>
+    Mga pangunahing termino para sa mga account sa bangko
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-card-key-terms/>
+    Mga pangunahing termino para sa credit card
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-reports-and-scores-key-terms/>
+    Mga pangunahing termino para sa mga credit report at score
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/debt-collection-key-terms/>
+    Mga pangunahing termino para sa pagkolekta ng utang
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/fraud-key-terms/>
+    Mga pangunahing termino para sa panloloko at mga scam
+</a>
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+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/mortgages-key-terms/>
+    Mga pangunahing termino para sa mga mortgage
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto loan key terms (in Tagalog)</div>
+<h1>Mga pangunahing kataga para sa mga loan sa sasakyan</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
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+            </li>
+            <li>
+                <a href="/language/vi/auto-loans-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/auto-loan-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/language/ru/auto-loans-key-terms/"
+                lang="ru"
+                hreflang="ru"
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+            </li>
+            <li>
+                <a href="/language/ar/auto-loan-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/auto-loan-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Aktuwal na Halaga sa Pera (ACV) (Actual Cash Value (ACV))</b></h2><p data-block-key="49sua">Ang Aktuwal na Halaga sa Pera (ACV) ay ang halaga ng sasakyan ayon sa mga kilalang-kilalang independiyenteng pinagkukunan tulad ng <a class="a-link a-link__icon" data-pretty-href="http://www.nadaguides.com/" href="/external-site/?ext_url=http%3A%2F%2Fwww.nadaguides.com%2F&amp;signature=lYL1SGwoHJxCI556edsQt00usLezbu7hyPYmIOevXH8"><span class="a-link_text">Pambansang Asosasyon ng mga Nagbebenta ng Sasakyan (National Automobile Dealers Association)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> o <a href="https://www.consumerfinance.gov/external-site/?ext_url=https://www.kbb.com/&signature=2bCu3ZInSoTikSQ9HXVUzPyoFPeX43MV2cnDGtMuwpo">Kelley Blue Book</a>.</p><p data-block-key="d7cpt"><a>Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="1lh0h"></p><h2 data-block-key="77hip"><b>Amortisasyon (Amortization)</b></h2><p data-block-key="6fmsp">Ang amortisasyon ay ang proseso ng unti-unting pagbabayad sa iyong loan sa sasakyan. Sa isang naka-amortize na loan, para sa bawat isa sa iyong mga buwanang kabayaran, inilalapat ang isang bahagi nito sa halaga ng loan – <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">ang principal</a> – at inilalapat ang bahagi ng kabayaran sa pagbabayad ng pinansyal na singil – ang interes.</p><p data-block-key="d130f"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="aafvv"></p><h2 data-block-key="e6mgd"><b>Taunang Porsyento ng Singil (APR) (Annual Percentage Rate (APR))</b></h2><p data-block-key="2kda6">Ang Taunang Porsyento ng Singil (APR) ay ang halagang binabayaran mo kada taon para humiram ng pera, kabilang ang mga singil, na ipinapakita bilang porsyento. Ang APR ay ang mas malawak na panukat ng gastos para sa iyo sa paghiram ng pera dahil hindi lamang ito sumasalamin sa antas ng interes ngunit pati na rin sa mga singil na kailangan mong bayaran para makakuha ng loan. Kung mas mataas ang APR, mas malaki ang babayaran mo sa kabuuang itatagal ng loan.</p><p data-block-key="efmhg">Ang APR ng loan sa sasakyan at ang <a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">antas ng interes</a> ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes<br/><br/></p><hr/><p data-block-key="3nqor"></p><h2 data-block-key="9c7ed"><b>Itinalaga (Assignee)</b></h2><p data-block-key="6962q">Ang itinalaga (assignee) ay isang indibidwal o kumpanyang bumibili ng iyong loan sa sasakyan. Halimbawa, ang isang nagbebenta ng sasakyan (auto dealer) na nagbigay sa iyo ng credit ay maaaring ibenta ang iyong loan sa isang bangko, kung saan ginagawa nitong itinalaga ang bangko. May pagkakautang kang pera sa sinumang bumili ng iyong loan. May lien ang itinalaga sa sasakyan at maaari nitong bawiin ito (repossess) kung hindi ka magbabayad.<br/><br/></p><hr/><p data-block-key="68cv8"></p><h2 data-block-key="37bp3"><b>Pangunahing presyo (Base price)</b></h2><p data-block-key="7e75f">Ang pangunahing presyo (base price) ay ang presyo ng sasakyan na walang opsyon.</p><p data-block-key="abbqk"><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="5o3kq"></p><h2 data-block-key="ch548"><b>Antas sa pagbili (Buy rate)</b></h2><p data-block-key="a5t3h">Ang antas sa pagbili (buy rate) ay ang antas ng interes na kino-quote ng potensyal na magpapautang sa iyong dealer kapag nag-a-apply ka para sa <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">pagpipinansyang isinaayos ng dealer</a>.</p><p data-block-key="694ms"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="dsntg"></p><h2 data-block-key="4e9e0"><b>Kasamang</b> <b>lumagda (Co-signer)</b></h2><p data-block-key="9e74g">Ang kasamang lumagda (co-signer) ay isang indibidwal—tulad ng magulang, malapit na kapamilya, o kaibigan—na nangangakong babayaran ang loan kung hindi mo ito magagawa. Maaari itong maging isang pakinabang para sa iyo at sa nagpapautang sa iyo. Inaako ng kasamang lumagda ang buong responsibilidad na bayaran ang loan. Ang pagkakaroon ng kasamang lumagda sa iyong loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Kung hindi mo babayaran ang iyong loan, mananagot ang kasamang lumagda sa pagbabayad kahit na hindi siya kailanman nagmaneho ng iyong sasakyan. Kung may humiling sa iyong maging kasamang lumagda sa isang loan, kailangan mong isaalang-alang kung <a class="" data-pretty-href="cfpb.gov/askcfpb/813" href="/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/">paano nito maaapektuhan ang iyong kalagayang pinansyal</a>.<br/><br/></p><hr/><p data-block-key="6ccjm"></p><h2 data-block-key="bv25r"><b>Credit insurance</b></h2><p data-block-key="1n30i">Ang credit insurance ay opsyonal na insurance na maaaring magbayad para sa iyong sasakyan sa nagpapautang sa iyo sa ilang sitwasyon, tulad ng kung ikaw ay namatay o nagkaroon ng kapansanan. Kung isinasaalang-alang mo ang <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">credit insurance</a>, siguraduhing nauunawaan mo ang mga tuntunin ng polisang inaalok. Kung nagpasya kang kailangan mo ng insurance, maaaring may mga mas murang paraan para makakuha ka ng coverage sa halip na bumili ng credit insurance at idagdag ito sa iyong loan sa sasakyan. Halimbawa, maaaring mas mura ang life insurance kaysa sa credit life insurance at pinahihintulutan nito ang iyong pamilya na bayaran ang iba pang mga gastusin bukod sa iyong loan sa sasakyan.<br/><br/></p><hr/><p data-block-key="6n6i3"></p><h2 data-block-key="4spf0"><b>Mga produkto ng pagkansela o pagsuspindi ng utang (Debt cancellation or suspension products)</b></h2><p data-block-key="96ois">Naghahandog ang ilang nagbebenta ng sasakyan at pati na rin ang ibang mga bangko at credit union ng mga produkto o insurance ng “pagkansela ng utang” at “pagsuspindi ng utang” sa ilalim ng iba't ibang pangalan. Halos katulad ng mga produktong ito ang credit insurance pagdating sa ginagampanan nito, ngunit maaaring naiiba ang mga singil at iba pang tampok.</p><p data-block-key="8cr6"><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="f5fot"></p><h2 data-block-key="60d2j"><b>Natitirang balanse (Deficiency balance)</b></h2><p data-block-key="6c9mf">Kung na-repossess at naibenta ang iyong sasakyan, maaaring managot ka sa pagbabayad ng resulta ng pagbawas ng halagang natitira sa iyong loan (pati ang mga singil sa pag-repossess) sa presyo noong ibinenta ito. Ito ay tinatawag na “natitirang balanse” (“deficiency balance”).<br/><br/></p><hr/><p data-block-key="d1m4d"></p><h2 data-block-key="1u58i"><b>Down payment</b></h2><p data-block-key="7rfv9">Ang down payment ay ang pauna at agad na ibinabayad mo tungo sa kabuuang halaga ng sasakyan. Ang iyong down payment ay maaaring cash, halaga ng ipinalit na ibang sasakyan, o pareho. Kung mas marami kang ipapang-down, mas kaunti ang kakailanganin mong hiramin. Maaaring makabawas ang mas malaking down payment sa iyong buwanang bayarin at sa kabuuang halaga ng iyong pagpipinansya.<br/><br/></p><hr/><p data-block-key="7qhq0"></p><h2 data-block-key="2hf79"><b>Pinalawig na warranty o kontrata ng serbisyo sa sasakyan (Extended warranty or vehicle service contract)</b></h2><p data-block-key="9qho">Saklaw ng pinalawig na warranty (extended warranty) o kontrata ng serbisyo sa sasakyan (vehicle service contract) ang mga gastos sa ilang uri ng pagkukumpuni bukod sa o pagkaraang matapos ang warranty ng tagamanupaktura.</p><p data-block-key="cbbvv"><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="dufhc"></p><h2 data-block-key="a8t8o"><b>Departamento ng pinansya at insurance (Finance and insurance department)</b></h2><p data-block-key="7osiu">Kung bumili ka ng sasakyan sa isang dealership, maaari kang i-refer ng nagbebenta sa isang tao sa F&I (Pinansya at Insurance) o sa opisina ng negosyo. Bahagi ito ng dealership na nagbebenta ng mga loan at mga opsyonal na idadagdag sa mga customer pagtapos nilang sumang-ayon sa pagbili ng sasakyan sa dealership.</p><p data-block-key="fa8q2"><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="vufb"></p><h2 data-block-key="bmnhj"><b>Pagpipinansya sa hindi nagbabagong antas (Fixed-rate financing)</b></h2><p data-block-key="ea5j5">Ang pagpipinansya sa hindi nagbabagong antas (fixed-rate financing) ay nangangahulugang hindi nagbabago ang antas ng interes sa iyong loan sa kabuuan ng itatagal ng iyong loan. Sa hindi nagbabagong antas, maaari mong makita ang iyong kabayaran para sa bawat buwan at ang kabuuang babayaran mo sa kabuuan ng itatagal ng loan. Maaaring mas naisin mo ang pagpipinansya sa hindi nagbabagong antas kung hinahanap mo ang pagbabayad sa loan na hindi magbabago. Ang pagpipinansya sa hindi nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">pagpipinansya sa nagbabagong antas</a>.<br/><br/></p><hr/><p data-block-key="7pv5v"></p><h2 data-block-key="fkoh2"><b>Sadyang inilagay na insurance (Force-placed insurance)</b></h2><p data-block-key="bod9n">Upang makakuha ng loan para makabili ng sasakyan, kailangan mong magkaroon ng insurance para masaklaw ang mismong sasakyan. Kung hindi ka nakakuha ng insurance o hinayaan mong mag-lapse ang iyong insurance, karaniwang binibigyan ng kontrata ang nagpapautang ng karapatang kumuha ng insurance para masaklaw ang sasakyan. Ang insurance na ito ay tinatawag na “sadyang inilagay na insurance” (“force-placed insurance”).</p><p data-block-key="c1aah"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="5uhhq"></p><h2 data-block-key="8vsmq"><b>Insurance na Ginarantiyahang Proteksyon sa Sasakyan (GAP) (Guaranteed Auto Protection (GAP) insurance)</b></h2><p data-block-key="73fru">Saklaw ng GAP insurance ang resulta ng pagbawas (o puwang) sa pagitan ng halaga ng pagkakautang mo sa iyong loan sa sasakyan at kung ano ang binabayaran ng iyong insurance kung ninakaw, nasira, o lubusang nawasak ang iyong sasakyan. Hindi mo kailangang bilhin ang insurance na ito, ngunit magtingin-tingin kung nagpasya kang gusto mo nito. Ang mga nagpapautang ay maaaring magtakda ng iba't ibang presyo para sa produktong ito.<br/><br/></p><hr/><p data-block-key="epmp2"></p><h2 data-block-key="6qc9k"><b>Antas ng interes (Interest rate)</b></h2><p data-block-key="i55r">Ang antas ng interes (interest rate) ng loan sa sasakyan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang porsyento. Hindi kasama sa antas ng interes ang mga singil na ipinapataw para sa loan.</p><p data-block-key="dd5dg">Ang APR at antas ng interes ng loan sa sasakyan ay dalawa sa pinakamahahalagang panukat sa presyong binabayaran mo para sa paghiram ng pera. Inaatasan ng pederal na Truth in Lending Act (TILA, Batas sa Katotohanan sa Pagpapautang) ang mga nagpapautang na partikular na isiwalat sa iyo ang tungkol sa mahahalagang termino, kabilang ang APR, bago ka legal na magkaroon ng obligasyon sa loan. Dahil ang lahat ng nagpapautang ay kailangang magbigay ng APR, maaari mong gamitin ang APR para paghambingin ang mga loan sa sasakyan. Siguraduhin lamang na inihahambing mo ang mga APR sa mga APR at hindi sa mga antas ng interes.<br/><br/></p><hr/><p data-block-key="1lnii"></p><h2 data-block-key="cv2n"><b>Termino at itatagal ng loan (Loan term or duration)</b></h2><p data-block-key="sf60">Ito ang haba ng iyong loan sa sasakyan na karaniwang nakatakda sa bawat buwan. Ang maikling termino ng loan (kung saan magbabayad ka buwan-buwan sa mas kaunting buwan) ay babawas sa kabuuang halaga ng iyong loan. Maaaring mabawasan sa mas mahabang loan ang buong buwanang kabayaran, ngunit magbabayad ka ng mas higit pang interes sa kabuuang itatagal ng loan. Ang mas matagal na loan ay naglalagay sa iyo sa panganib na magkaroon ng negatibong equity, kung saan mas malaki ang pagkakautang mo sa sasakyan kaysa sa halaga ng sasakyan.<br/><br/></p><hr/><p data-block-key="8eb2o"></p><h2 data-block-key="4juga"><b>Ratio ng loan sa</b> <b>halaga (Loan-to-value ratio)</b></h2><p data-block-key="837qt">Ang ratio ng loan sa halaga (LTV) ay ang kabuuang halaga sa dolyar ng iyong loan na hinati ng aktuwal na halaga sa pera (ACV) ng iyong sasakyan. Karaniwan itong ipinapakita bilang porsyento. Binabawasan ng iyong down payment ang ratio ng loan sa halaga ng iyong loan.</p><p data-block-key="5gne1"><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="fish4"></p><h2 data-block-key="113gs"><b>Arbitrasyong kailangang sumunod sa batas (Mandatory binding arbitration)</b></h2><p data-block-key="399cf">Sa pamamagitan ng paglagda sa kontratang may probisyong arbitrasyong kailangang sumunod sa batas (mandatory binding arbitration), sumasang-ayon kang resolbahin ang anumang mga hindi pagkakasundo tungkol sa kontrata sa harap ng isang arbitrador na nagpapasya sa hindi pagkakasundo sa halip na ang hukom. Maaari ka ring sumang-ayon na ipagpaliban ang iba pang mga karapatan, tulad ng iyong kakayahang iapela ang desisyon o sumali sa isang pagsasampa ng kaso ng grupo (class action suit).</p><p data-block-key="2pvdh"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="8clpi"></p><h2 data-block-key="7fkml"><b>Mga insentibo ng tagamanupaktura (Manufacturer incentives)</b></h2><p data-block-key="87c10">Ang mga insentibo ng tagamanupaktura ay mga espesyal na deal, tulad ng 0% pagpipinansya o mga cash rebate na maaaring nakita mong inaanunsyo para sa mga bagong sasakyan. Kadalasan, inaalok lamang ang mga ito para sa mga partikular na modelo.</p><p data-block-key="2sa92"><a>Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="20n5g"></p><h2 data-block-key="75bkm"><b>Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) (Manufacturer Suggested Retail Price (MSRP))</b></h2><p data-block-key="3oa09">Ang Retail na Presyong Iminumungkahi ng Tagamanupaktura (MSRP) ay ang presyong <b>iminumungkahi</b> ng tagagawa ng sasakyan – ang tagamanupaktura – na hinihingi ng nagbebenta para sa sasakyan.</p><p data-block-key="cf8q4"><a>Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="f1s52"></p><h2 data-block-key="90aip"><b>Negatibong equity (Negative equity)</b></h2><p data-block-key="1jaju">Kung may pagkakautang ka na higit pa sa kasalukuyan mong loan sa sasakyan kaysa sa halaga nito—na tinatawag na “nakabaligtad” (upside down)—mayroon kang negatibong equity. Sa madaling salita, kung sinubukan mong ibenta ang iyong sasakyan, hindi mo makukuha ang pagkakautang mo rito. Halimbawa, sabihin nating may pagkakautang kang $10,000 sa iyong loan sa sasakyan at ang halaga ng iyong sasakyan ngayon ay $8,000. Ito ay nangangahulugang mayroon kang negatibong equity na $2,000. Kakailanganing bayaran ang negatibong equity na iyon kung gusto mong ipagpalit ang iyong sasakyan at kumuha ng loan sa sasakyan para bumili ng panibago.</p><p data-block-key="3vqsf"><b>Loan sa sasakyan na walang credit check o “bumili rito, magbayad dito”</b></p><p data-block-key="6r580">Ang loan sa sasakyan na walang credit check o “bumili rito, magbayad dito” ay inaalok ng mga dealership na karaniwang mga pinansyang loan sa sasakyan sa mismong dealership para sa mga nangungutang na walang credit o may mahinang credit.</p><p data-block-key="it2o"><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="8tanf"></p><h2 data-block-key="etms1"><b>Principal</b></h2><p data-block-key="3826d">Ang principal ay ang perang una mong sinang-ayunang bayaran.</p><p data-block-key="4t7rn">Karaniwan, anumang ibinayad sa isang loan sa sasakyan ay ilalapat muna sa anumang mga singil na dapat bayaran (halimbawa, mga singil sa nahuling pagbayad). Pagkatapos, ilalapat ang natitirang pera mula sa iyong ibinayad sa anumang <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">interes</a> na dapat bayaran, kabilang ang dapat bayarang dating interes, kung naaangkop. Ang natitira sa iyong kabayaran ay ilalapat sa balanseng prinsipal ng iyong loan.<br/><br/></p><hr/><p data-block-key="5jt8b"></p><h2 data-block-key="fuekg"><b>Pagpepresyong nakabatay sa panganib (Risk-based pricing)</b></h2><p data-block-key="7to5j">Nangyayari ang pagpepresyong nakabatay sa panganib kapag nag-aalok ang mga nagpapautang sa iba't ibang mamimili ng iba't ibang antas ng interes o iba pang mga termino ng loan, batay sa tinantiyang panganib na hindi makakapagbayad sa kanilang mga loan ang mga mamimili.</p><p data-block-key="1vcf5"><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="2epb9"></p><h2 data-block-key="b6jui"><b>Kabuuang gastos (Total cost)</b></h2><p data-block-key="63m9d">Ito ang kung magkano ang babayaran mo para mabili ang iyong sasakyan, kabilang ang principal, interes, at anumang down payment o pamalit, sa kabuuang itatagal ng loan.<br/><br/></p><hr/><p data-block-key="evv2"></p><h2 data-block-key="5erd"><b>Pagsisiwalat na Katotohanan sa Pagpapautang (Truth in Lending disclosure)</b></h2><p data-block-key="2c66r">Iniaatas ng pederal na Truth in Lending Act (Batas sa Katotohanan sa Pagpapautang)—o “TILA” sa maikling salita—na tumanggap ang mga nangungutang ng mga nakasulat na pagsisiwalat tungkol sa mahahalagang tuntunin ng credit bago nila bayaran ang loan na alinsunod sa batas. Alamin pa ang tungkol sa <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">impormasyong kasama sa iyong pagsisiwalat na TILA</a> at kung kailan mo ito dapat matanggap o mapag-aralan.<br/><br/></p><hr/><p data-block-key="78gl3"></p><h2 data-block-key="6mfv3"><b>Pagpipinansya sa nagbabagong antas (Variable-rate financing)</b></h2><p data-block-key="f7pft">Ang pagpipinansya sa nagbabagong antas ay kung saan ang antas ng interes sa iyong loan ay maaaring magbago, batay sa pangunahing antas o iba pang antas na tinatawag na “index.” Sa loan na may nagbabagong antas, ang antas ng interes sa loan ay nagbabago sa tuwing nagbabago ang antas ng index, na ibig sabihin, maaari itong tumaas o bumaba. Dahil maaaring tumaas ang iyong antas ng interes, maaari ring tumaas ang binabayaran mo buwan-buwan. Kung mas mahaba ang termino ng loan, maaaring mas mapanganib ang loan na may iba't ibang antas para sa nangungutang, dahil may mas maraming pagkakataon para tumaas ang mga antas. Ang pagpipinansya sa nagbabagong antas ay isang uri ng pagpipinansya. Ang isa pang uri ay ang <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">pagpipinansya sa hindi nagbabagong antas</a>.<br/><br/></p><hr/><p data-block-key="9i0lm"></p><h2 data-block-key="6ktnh"><b>Insurance na Nag-iisang Interes ng Nagbebenta (VSI) (Vendor's Single Interest (VSI) insurance)</b></h2><p data-block-key="flbvi">Pinoprotektahan ng VSI insurance ang nagpapautang, ngunit hindi ikaw, sakaling masira o mawasak ang sasakyan.</p><p data-block-key="dftj2"><a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/tl/bank-accounts-key-terms/index.html
new file mode 100644
index 000000000000..50f6ff87a14c
--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+   href=/language/tl/auto-loan-key-terms/>
+    Mga pangunahing kataga para sa mga loan sa sasakyan
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+    <div class="eyebrow">Bank accounts key terms (in Tagalog)</div>
+<h1>Mga pangunahing termino para sa mga account sa bangko</h1>
+<div class="block block__sub">
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+                lang="ht"
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+</div>
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+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Automated Clearing House (ACH)</b></h2><p data-block-key="4h283">Ang awtorisasyong Automated Clearing House (ACH) ay awtorisasyon sa kabayaran na nagbibigay sa nagpapautang ng pahintulot na kunin ang pera sa elektronikong paraan mula sa iyong bangko, credit union, o prepaid card account kapag dapat ka nang magbayad. Maaari mong bawiin ang awtorisasyong ito.<br/><br/></p><hr/><p data-block-key="1fq1v"></p><h2 data-block-key="davll"><b>Awtomatikong debit na pagbabayad (Automatic debit payment)</b></h2><p data-block-key="dhf3r">Sa mga awtomatikong debit, ibinibigay mo ang iyong pahintulot sa kumpanya na kumuha ng mga kabayaran nang direkta mula sa iyong account sa bangko. Naiiba ito sa feature na nauulit na bill-pay na inihahandog ng iyong bangko. Sa nauulit na bill-pay, binibigyan mo ang iyong bangko o credit union ng pahintulot na magpadala ng mga kabayaran sa kumpanya.<br/><br/></p><hr/><p data-block-key="5fmv5"></p><h2 data-block-key="5m3ah"><b>Sertipiko ng deposito (CD) (Certificate of deposit (CD))</b></h2><p data-block-key="2v495">Ang Sertipiko ng Deposito, o CD, ay isang espesyal na uri ng savings account na hinahandog ng mga bangko at credit union. Karaniwang itinatabi mo ang iyong mga pondo sa CD para sa tinukoy na haba ng panahon upang maiwasan ang mga parusa.</p><p data-block-key="76m04"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="2fim5"></p><h2 data-block-key="deatf"><b>Rollover ng sertipiko ng deposito (CD) (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="7mjem">Maaaring mangyari ang isang rollover o renewal sa katapusan ng termino ng isang CD.</p><p data-block-key="87qd8"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="4vnv3"></p><h2 data-block-key="1j0ji"><b>Demand draft</b></h2><p data-block-key="48n52">Ang demand draft ay nagpapahintulot sa isang taong i-withdraw ang pera mula sa iyong checking account nang wala ang iyong pirma.</p><p data-block-key="79uph"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="3g9mh"></p><h2 data-block-key="e3tqj"><b>Deposit hold</b></h2><p data-block-key="910fg">Ang haba ng panahong hinahawakan ng bangko o credit union ang mga pondong idineposito mo sa pamamagitan ng tseke ay paminsan-minsang tinutukoy bilang “deposit hold” o “check hold ”. Maaaring gawing available ng ilang bangko o credit union ang mga pondo nang mas mabilis kaysa sa iniaatas ng batas, at ang ilan ay maaaring pabilisin ang pagiging available ng mga pondo na may singil.<br/><br/></p><hr/><p data-block-key="4domf"></p><h2 data-block-key="dfb1r"><b>Fiduciary</b></h2><p data-block-key="40ogt">Ang fiduciary ay isang taong namamahala ng pera o ari-arian para sa ibang tao. Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi mo.<br/><br/></p><hr/><p data-block-key="1m4im"></p><h2 data-block-key="blvks"><b>Guardian of property</b></h2><p data-block-key="anier">Ang guardian of property ay isang taong pinangalanan ng hukuman para pamahalaan ang pera at ari-arian ng ibang tao na natagpuan ng hukuman na hindi kayang pamahalaan ang sariling pera at ari-arian nang mag-isa.</p><p data-block-key="e2sgh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="19mnm"></p><h2 data-block-key="dm0dj"><b>Numero ng pagkakakilanlan ng indibidwal na nagbabayad ng buwis (ITIN) (Individual taxpayer identification number (ITIN))</b></h2><p data-block-key="9ce20">Ang ITIN ay isang numero ng pagkakakilanlan na nakukuha mo sa Serbisyo ng Rentas Internas (Internal Revenue Service). Makukuha lamang ang ITIN ng ilang hindi residente at residenteng alien, kanilang asawa, at dependent na hindi makakakuha ng Numero ng Social Security.<br/><br/></p><hr/><p data-block-key="7nri9"></p><h2 data-block-key="6p7r7"><b>Joint account</b></h2><p data-block-key="edtbv">Kung gusto mong pahintulutan ang isang kaibigan o miyembro ng pamilya na sumulat ng mga tseke at gumawa ng mga deposito sa ngalan mo, maaari mong isaalang-alang ang pagbukas ng joint account. Karaniwan, ang bawat isang nakapangalan ang joint account ay maaaring sumulat ng tseke, mag-withdraw ng pera, gumawa ng mga transaksyon, maglipat ng mga pondo, o magsara ng account. Kung ang isa sa mga may hawak ng account ay may pagkakautang na pera, maaaring subukan ng creditor na mangolekta mula sa perang nasa joint account sa bangko.<br/><br/></p><hr/><p data-block-key="bceu5"></p><h2 data-block-key="fvnf0"><b>Money market account</b></h2><p data-block-key="2v1ad">Ang money market account ay isang espesyal na uri ng account na hinahandog ng mga bangko at credit union.</p><p data-block-key="26t2c"><a class="" data-pretty-href="cfpb.gov/askcfpb/1007" href="/ask-cfpb/what-is-a-money-market-account-en-1007/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="80sc0"></p><h2 data-block-key="fsseo"><b>Mga singil sa mga hindi sapat na pondo (NSF) (Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="35ncb">Ang singil sa NSF o hindi sapat na pondo ay maaaring mangyari kapag hindi nabayaran ang iyong tseke o elektronikong awtorisasyon dahil sa kakulangan ng mga pondo sa iyong account. Karaniwang tinutukoy ito bilang “ibinalik” o “tumalbog” na tseke.<br/><br/></p><hr/><p data-block-key="3kugv"></p><h2 data-block-key="2rrgd"><b>Overdraft</b></h2><p data-block-key="fji5t">Nangyayari ang overdraft kapag wala kang sapat na pera sa iyong account para bayaran ang transaksyon, ngunit binabayaran pa rin ng bangko ang transaksyon sa kabila nito. Maaari kang labis na mag-withdraw sa iyong account sa pamamagitan ng mga tseke, transaksyon sa ATM, mga pagbili gamit ang debit card, awtomatikong pagbayad sa bayarin, at elektroniko o personal na pag-withdraw.</p><p data-block-key="ce7f6">Maraming bangko at credit union ang naghahandog ng mga programa ng proteksyon sa overdraft kung saan karaniwang binabayaran ng bangko o credit union ang transaksyon at pinapatawan ka ng singil (bukod sa pag-aatas ng pagbayad sa halaga ng overdraft). Maaari ring mabayaran ang mga overdraft sa pamamagitan ng pag-transfer ng mga pondo mula sa naka-link na account, credit card, o line of credit.<br/><br/></p><hr/><p data-block-key="246qp"></p><h2 data-block-key="75ful"><b>Personal na line of credit (Personal line of credit)</b></h2><p data-block-key="4aj40">Ang personal na line of credit ay isang loan na maa-access mo paminsan-minsan. Sumusulat ka ng mga espesyal na tseke o humihiling ng pag-transfer sa iyong checking account sa pamamagitan ng telepono o online.</p><p data-block-key="n9pn">Katulad ng account ng credit card, mayroon kang credit limit, tumatanggap ng buwanang bill, gumagawa ng pinakamababang kabayaran, nagbabayad ng interes batay sa natitira mong balanse, at maaaring magbayad ng singil sa bawat pagkakataong ginagamit mo ang account.</p><p data-block-key="1ule2">Ang mga personal na line of credit ay hindi ligtas, hindi tulad ng mga Home Equity Line Of Credit (HELOC), na sinusuportahan ng mortgage sa iyong tirahan. Ang mga personal line of credit ay inihahandog ng mga bangko at credit union at karaniwang nag-aatas na magkaroon ka rin ng checking account sa parehong institusyon.<br/><br/></p><hr/><p data-block-key="j9mi"></p><h2 data-block-key="39m94"><b>Power of attorney</b></h2><p data-block-key="bqco8">Ang power of attorney (POA) ay isang legal na dokumentong nagpapahintulot sa isang taong kumilos sa ngalan mo. Ang paggawa ng POA ay isang paraan para maghirang ng humahaliling tagagawa ng desisyon; karaniwan ay hindi mamahalin ng halaga nito, bagaman maaaring kakailanganin ang tulong ng isang abogado.</p><p data-block-key="fo6an">Maaaring gamitin ang pinansyal na POA bilang kasangkapan sa pagpaplano para sa kawalan ng kapasidad sa hinaharap – ang kawalan ng kakayahang gumawa ng mga pinansyal na desisyon dahil, halimbawa, sa dementia, traumatic brain injury, o iba pang kapansanang nakakaapekto sa paggana ng utak. Kapag ginagamit para sa paunang pagpaplano, karaniwang “durable” ang POA na nangangahulugang patuloy itong magkakaroon ng bisa kahit nawalan na ng kapasidad ang taong gumawa nito. Patuloy na magbasa upang matutunan pa ang tungkol sa <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">power of attorney (POA)</a>.<br/><br/></p><hr/><p data-block-key="913au"></p><h2 data-block-key="2n1g0"><b>Representative payee</b></h2><p data-block-key="a9q6a">Naghihirang ang Pangasiwaan ng Seguridad na Panlipunan (SSA) ng isang indibidwal upang maging representative payee para sa isang taong nangangailangan ng tulong sa pamamahala ng kanyang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (SSI). Mapapamahalaan lamang ng representative payee ang mga benepisyong tsekeng binabayaran ng SSA. Kung ang taong tumatanggap ng mga benepisyo ay may iba pang pera o ari-arian na hindi niya kayang pamahalaan, kailangang magkaroon ang representative payee ng legal na awtoridad mula sa iba pang mapagkukunan upang mapamahalaan ang iba pang mga pondo. Halimbawa, maaari ring hirangin ng hukuman ang representative payee bilang <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">guardian of property</a>. Bilang Social Security representative payee, ikaw ang <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">fiduciary</a>.</p><p data-block-key="bvch9">Para sa karagdagang impormasyon tungkol sa mga representative payee, basahin ang <a href="/consumer-tools/managing-someone-elses-money/">gabay</a> na ito tungkol sa pamamahala sa pera ng iba.<br/><br/></p><hr/><p data-block-key="an94s"></p><h2 data-block-key="d0usd"><b>Mababawing living trust (Revocable living trust)</b></h2><p data-block-key="7vqre">Ang mababawing living trust ay isang legal na dokumentong nagbibigay sa iyo ng awtoridad na gumawa ng mga desisyon tungkol sa pera o ari-arian ng ibang tao na hinahawakan bilang trust.</p><p data-block-key="202gb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="bma3t"></p><h2 data-block-key="aukr"><b>Social Security representative payee</b></h2><p data-block-key="b2cl">Ang representative payee ay hinirang ng Pangasiwaan ng Seguridad na Panlipunan (Social Security Administration) para sa isa pang taong nangangailangan ng tulong sa pamamahala ng kanilang mga benepisyong kabayaran mula sa Social Security o Karagdagang Kitang Panseguridad (Supplemental Security Income).</p><p data-block-key="b07s0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="fp9rg"></p><h2 data-block-key="devmm"><b>VA fiduciary</b></h2><p data-block-key="fqfoo">Ang <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">fiduciary</a> ay isang taong namamahala sa pera o ari-arian para sa ibang tao. Nagtatalaga ang Kagawaran ng mga Gawain para sa mga Beterano (VA) ng mga VA fiduciary upang mapamahalaan ang mga benepisyo ng mga beterano para mga taong hindi kayang pamahalaan nang mag-isa ang mga sariling pondo.</p><p data-block-key="395pr"><a>Magbasa nang higit pa (sa Ingles)</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/credit-card-key-terms/index.html b/www.consumerfinance.gov/language/tl/credit-card-key-terms/index.html
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@@ -0,0 +1,1484 @@
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+                aria-label="Consumer Education"
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+        Resources for Helping Others
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+       >
+        Coronavirus Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+                aria-label="Rules & Policy"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+<div aria-level="2" role="heading">
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
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+       >
+        Industry Whistleblowers
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+<div aria-level="2" role="heading">
+        Compliance
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
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+        </div>
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+<div aria-level="2" role="heading">
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
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+       href="/data-research/small-business-lending/"
+       >
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+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
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+                aria-label="News"
+                >
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+    >
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+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
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+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+</div>
+</li>
+            </ul>
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+                            한국어
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+                            Pусский
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+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
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+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+    <main class="u-layout-grid u-layout-grid__1-3
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+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/tl/">
+                    CFPB in Tagalog
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Galugarin ang seksyong ito
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/auto-loan-key-terms/>
+    Mga pangunahing kataga para sa mga loan sa sasakyan
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/bank-accounts-key-terms/>
+    Mga pangunahing termino para sa mga account sa bangko
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mga pangunahing termino para sa credit card
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-reports-and-scores-key-terms/>
+    Mga pangunahing termino para sa mga credit report at score
+</a>
+</li>
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+    <div class="eyebrow">Credit card key terms (in Tagalog)</div>
+<h1>Mga pangunahing termino para sa credit card</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-card-key-terms/"
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+                lang="ht"
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+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Taunang porsyento ng singil (APR) (Annual percentage rate (APR))</b></h2><p data-block-key="9c44s">Ang APR, o ang taunang porsyento ng singil, ay ang pamantayang paraan para paghambingin kung magkano ang mga loan. Binibigyan ka nito ng pagkakataong paghambingin ang halaga ng mga produktong magkakatulad. Kailangang isiwalat ng kumpanya ng iyong credit card ang APR bago ka sumang-ayon sa paggamit ng card.</p><p data-block-key="69knt">Para makalkula ang APR, inihahambing ang antas at mga singil ng interes sa halagang hinihiram mo at kinakalkula ito sa loob ng isang taong panahon. Nagbibigay ito sa iyo ng pagkakataong paghambingin ang mga halaga ng credit card sa loan na hinuhulugan ng anim na buwan. Ito rin ang dahilan kung bakit madalas na naiiba ang mga APR sa mga simpleng antas ng interes.<br/><br/></p><hr/><p data-block-key="1c6cp"></p><h2 data-block-key="6c84a"><b>Balance transfer</b></h2><p data-block-key="2n5dt">Ang balance transfer ay nagpapahintulot sa iyong ilipat ang natitirang balanse mula sa isang credit card patungo sa iba, na paminsan-minsan ay may singil. Ang singil ay karaniwang ilang porsyento ng halagang tina-transfer mo o hindi nagbabagong halaga, alinman ang mas malaki. Maraming kumpanya ng credit card ang naghahandog ng zero porsyento o mababang interes na mga balance transfer upang imbitahan kang pag-isahin ang iyong utang sa iisang credit card. Ang promosyonal na antas ng interes para sa karamihan sa mga balance transfer ay nagtatagal sa limitadong panahon. Pagkatapos noon, maaaring tumaas ang antas ng interes sa bago mong credit card, na magtataas din sa babayaran mong halaga.</p><p data-block-key="68sg8">Kung mahigit 60 araw ka nang nahuhuli sa pagbabayad, maaaring taasan ng kumpanya ng credit card ang antas ng interes sa lahat ng balanse, kabilang ang nai-transfer na balanse.<br/><br/></p><hr/><p data-block-key="bakuh"></p><h2 data-block-key="2qujn"><b>Credit balance</b></h2><p data-block-key="1lpid">Ang credit balance sa iyong billing statement ay ang halaga ng pagkakautang sa iyo ng nag-isyu ng card.</p><p data-block-key="ch5f3">Idinadagdag ang mga credit sa iyong account sa bawat pagkakataong nagbabayad ka. Maaari rin itong idagdag kapag may ibinabalik ka na binili mo gamit ang credit card o dahil sa rewards na nakuha mo o pagkakami sa naunang bill. Kung ang kabuuan ng mga credit ay lumampas sa halagang pagkakautang mo, makikita sa statement ang credit balance.</p><p data-block-key="9fk6e"><a class="" data-pretty-href="cfpb.gov/askcfpb/42" href="/ask-cfpb/there-is-a-credit-balance-shown-on-my-statement-what-is-a-credit-balance-en-42/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="ckihf"></p><h2 data-block-key="5j7ae"><b>Pang-araw-araw na pana-panahong antas (Daily periodic rate)</b></h2><p data-block-key="coprs">Kinakalkula ng ilan sa mga nag-iisyu ng card ang interes sa account gamit ang pang-araw-araw na pana-panahong antas ng interes, na ginagamit para kalkulahin ang interes sa pamamagitan ng pag-multiply ng antas sa halagang pagkakautang sa katapusan ng araw. Pagkatapos ay idinadagdag ang halaga ng interes na ito sa balanse ng nakaraang araw, na nangangahulugang ikino-compound ang interes araw-araw.<br/><br/></p><hr/><p data-block-key="4k662"></p><h2 data-block-key="d0p2l"><b>Grace period</b></h2><p data-block-key="1026g">Ang grace period ay ang panahon sa pagitan ng katapusan ng billing cycle at ang petsang kailangan mong magbayad. Sa panahong ito, maaari kang hindi mapatawan ng interes hangga't binabayaran mo ang iyong balanse nang buo hanggang sa itinakdang petsang dapat magbayad. Hindi kinakailangang magbigay ang mga kumpanya ng credit card ng grace period. Gayunpaman, karamihan sa mga credit card ay nagbibigay ng grace period sa mga pagbili.</p><p data-block-key="63oa6"><a class="" data-pretty-href="cfpb.gov/askcfpb/47" href="/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="b5e7"></p><h2 data-block-key="8lefi"><b>Antas ng interes (Interest rate)</b></h2><p data-block-key="fts8s">Ang antas ng interes ng isang credit card ay ang presyong binabayaran mo sa paghiram ng pera. Para sa mga credit card, karaniwang nakasaad ang mga antas ng interes bilang taunang antas, at ito ay tinatawag na taunang porsyento ng singil (APR). Sa karamihan ng mga card, maiiwasan mo ang pagbabayad ng interes sa mga pinamili kung babayaran mo ang buong balanse sa bawat buwan hanggang sa itinakdang petsang dapat magbayad.<br/><br/></p><hr/><p data-block-key="ebaos"></p><h2 data-block-key="4v2lu"><b>Ang prescreened na alok na credit card (Prescreened credit card offer)</b></h2><p data-block-key="bl0tf">Ang prescreened na alok na credit card ay kapag ginagamit ng mga kumpanya ng credit card ang impormasyon mula sa mga kumpanyang nag-uulat ng credit para gumawa ng matatag na alok ng credit sa iyo kung natutugunan ng iyong credit history ang mga pamantayang pinili ng kumpanya ng card.</p><p data-block-key="8crsb"><a class="" data-pretty-href="cfpb.gov/askcfpb/1" href="/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="6g63k"></p><h2 data-block-key="2iffv"><b>Hindi awtorisadong paggamit (Unauthorized use)</b></h2><p data-block-key="9g66f">Kawaniwan, ang hindi awtorisadong paggamit ay ang paggamit ng credit card ng isang taong walang karapatang gumamit ng card. Halimbawa, kung nawala ang iyong card at nahanap ito at ginamit ng isang tao, iyon ay magiging hindi awtorisadong paggamit.</p><p data-block-key="6vgbn"><a class="" data-pretty-href="cfpb.gov/askcfpb/26" href="/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/tl/credit-reports-and-scores-key-terms/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/credit-reports-and-scores-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Committees
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+                aria-label="Enforcement"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+    >
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+       >
+        Industry Whistleblowers
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    Mga pangunahing kataga para sa mga loan sa sasakyan
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+    Mga pangunahing termino para sa mga credit report at score
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+<h1>Mga pangunahing termino para sa mga credit report at score</h1>
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+                <h2 data-block-key="hr3ds"><b>Credit inquiry</b></h2><p data-block-key="67t1j">Ang inquiry ay tumutukoy sa paghiling na tingnan ang iyong credit file, at karaniwan itong napapailalim sa dalawang uri.</p><p data-block-key="8l7l8"><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">Magbasa pa</a><br/><br/></p><hr/><p data-block-key="4nnar"></p><h2 data-block-key="5dei9"><span id="creditinvisible"><b>Credit invisible</b></span></h2><p data-block-key="8o38l">Noong 2015, kami ay <a href="/about-us/blog/who-are-credit-invisible/">naglathala ng ulat</a> kung saan natagpuan namin na 26 na milyong Amerikano ay “credit invisible”. Ipinapahiwatig sa numerong ito na isa sa bawat sampung nasa hustong gulang ay walang anumang credit history sa isa sa tatlong kumpanya para sa credit report sa buong bansa. Ang karagdagang 19 na milyong mamimili ay may mga credit file na “hindi mabigyan ng score” na nangangahulugang manipis ang kanilang file at walang sapat na credit history (9.9 milyon) o mayroon silang mga luma nang file at kulang ng anumang credit history kamakailan (9.6 milyon). Sa kabuuan, mayroong 45 milyong mamimili na tinanggihan ng access sa credit dahil wala silang mga credit record na maaaring mabigyan ng score. Ang mga taong credit invisible o hindi mabigyan ng score ay karaniwang walang access sa kalidad na credit at maaaring maharap sa iba't ibang problema, mula sa pagsubok sa kumuha ng credit pati na rin sa pag-lease ng apartment.<br/><br/></p><hr/><p data-block-key="6h75t"></p><h2 data-block-key="4onr9"><b>Credit monitoring service</b></h2><p data-block-key="6ishb">Ang credit monitoring service ay isang pangkomersyong serbisyong nagpapataw sa iyo ng singil upang masubaybayan ang iyong <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">mga credit report</a> at alertuhan ka sa mga pagbabago sa mga account na nakalista sa iyong credit report.</p><p data-block-key="cff01"><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="6dmjl"></p><h2 data-block-key="6o40j"><b>Credit report</b></h2><p data-block-key="b0t">Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.<br/><br/></p><hr/><p data-block-key="br17o"></p><h2 data-block-key="30g5o"><b>Kumpanya para sa credit report (Credit reporting company)</b></h2><p data-block-key="dv4el">Ang mga kumpanya para sa credit report, na kilala rin bilang mga credit bureau o mga ahensyang nag-uulat tungkol sa mamimili, ay mga kumpanyang lumilikom at nagbebenta ng mga credit report.<br/><br/></p><hr/><p data-block-key="cvfou"></p><h2 data-block-key="5m8q4"><b>Credit score</b></h2><p data-block-key="el9gl">Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. Mahalagang malaman na hindi lamang “iisang” credit score ang mayroon ka at mayroong maraming credit score na makukuha mo, pati na rin sa mga nagpapautang. Ang anumang credit score ay nakadepende sa datosa na ginamit para kalkulahin ito, at maaaring magkakaiba depende sa modelo ng pag-score, pinagmulan ng iyong credit history, uri ng produkto ng loan, at maging ang araw kung kailan ito kinalkula.<br/><br/></p><hr/><p data-block-key="8p680"></p><h2 data-block-key="eo1ol"><b>Fair Credit Reporting Act</b></h2><p data-block-key="cp8et">Itinataguyod ng pederal na Fair Credit Reporting Act (FCRA, Batas sa Patas na Pag-uulat ng Credit) ang kawastuhan, pagiging patas, at pagkapribado ng impormasyon sa mga file ng mga ahensyang nag-uulat tungkol sa mamimili. Mayroong maraming uri ng ahensyang nag-uulat tungkol sa mamimili, kabilang ang mga credit bureau at mga ahensyang may espesyalidad (tulad ng mga ahensyang nagbebenta ng impormasyon tungkol sa mga kasaysayan ng pagsulat ng tseke, medikal na rekord, at rekord ng kasaysayan ng pag-upa). Alamin pa ang tungkol sa iyong <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">mga pangunahing karapatan sa ilalim ng FCRA</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>.<br/><br/></p><hr/><p data-block-key="cv08a"></p><h2 data-block-key="e3flf"><b>FICO score</b></h2><p data-block-key="7kc45">Ang FICO® score ay isang partikular na tatak ng credit score.</p><p data-block-key="b9s24"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="304p7"></p><h2 data-block-key="bt8hs"><b>Fraud alert</b></h2><p data-block-key="7i92m">Ang fraud alert ay nag-aatas sa mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account batay sa kahilingan ng mamimili. Kapag nagtakda ka ng fraud alert sa iyong <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">credit report</a> sa isa sa mga kumpanya para sa credit report sa buong bansa, kailangan nitong abisuhan ang iba. May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert.<br/><br/></p><hr/><p data-block-key="1f01k"></p><h2 data-block-key="4j5oe"><b>Pagsubaybay sa pagkakakilanlan o proteksyon sa identity theft (Identity monitoring or identity theft proection)</b></h2><p data-block-key="2brq">Sinusubaybayan ng mga serbisyo sa identity theft ang personal na matutukoy na impormasyon sa mga aplikasyon sa credit, pampublikong rekord, website, at iba pang mga lugar para sa anumang kakaibang aktibidad na maaaring mga palatandaan ng identity theft.</p><p data-block-key="a1gj5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="c1bd6"></p><h2 data-block-key="1d4va"><b>Identity theft</b></h2><p data-block-key="6atta">Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang manloko. Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng:</p><ul><li data-block-key="6pg7r">Iyong pangalan</li><li data-block-key="8tmoh">Numero ng Social Security</li><li data-block-key="1ofs5">Numero ng credit card<br/><br/></li></ul><hr/><p data-block-key="5ung3"></p><h2 data-block-key="cf72e"><b>Active duty alert sa militar (Military active duty alert)</b></h2><p data-block-key="27i6s">Ang mga miyembro ng militar (tulad ng mga miyembro ng Marines, Army, Navy, Air Force, at Coast Guard) ay maaaring humiling ng active duty alert. Kapag nagtakda ka ng active duty alert sa iyong credit report, kailangang gumawa ng mga makatuwirang hakbang ang mga creditor upang matiyak na ikaw talaga ang taong gumagawa ng kahilingan bago magbukas ng account, mag-isyu ng karagdagang credit card sa kasalukuyang account, o pataasin ang credit limit sa kasalukuyan mong account. Ang mga active duty alert ay nagtatagal ng 12 buwan. Aalisin din ang iyong pangalan sa mga listahang pang-marketing bago masiyasat ng mga kumpanya para sa credit report sa buong bansa para sa mga handog na credit at insurance ng dalawang taon.<br/><br/></p><hr/><p data-block-key="e875k"></p><h2 data-block-key="du05f"><b>Nabayarang koleksyon (Paid collection)</b></h2><p data-block-key="dvg7g">Ang nabayarang koleksyon ay isang account na napunta sa mga koleksyon dahil dapat itong bayaran at pagkatapos ay nabayaran na.</p><p data-block-key="722g5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-paid-collection-en-1383/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="ctlnd"></p><h2 data-block-key="7iu2p"><b>Security freeze</b></h2><p data-block-key="199kj">Sa “security freeze” sa iyong credit report, naiiwasang i-access ng mga bagong creditor ang iyong credit file, pati na rin ang pagbukas ng ibang tao ng mga account sa pangalan mo hanggang sa alisin mo ang pagka-freeze nito. Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo.<br/><br/></p><hr/><p data-block-key="3e1k8"></p><h2 data-block-key="882cs"><b>May espesyalidad na kumpanyang nag-uulat tungkol sa mamimili (Specialty consumer reporting company)</b></h2><p data-block-key="fggkb">Ang mga may espesyalidad na kumpanyang nag-uulat tungkol sa mamimili ay nangongolekta at nagbabahagi ng impormasyon tungkol sa kasaysayan ng iyong trabaho, kasaysayan ng transaksyon sa negosyo o kasaysayan ng pagbabayad para sa partikular na produkto o serbisyo.<br/><br/></p><hr/><p data-block-key="eoplf"></p><h2 data-block-key="fqfar"><b>Ulat ng pagsasala sa nangungupahan (Tenant screening report)</b></h2><p data-block-key="2rcns">Isang ulat na ginagamit ng mga nagpapaupa upang makatulong sa paggawa ng mga desisyon sa mga posibleng mangungupahan. Ang ulat ng pagsasala sa nangungupahan ay maaaring maglaman ng impormasyon mula sa maraming mapagkukunan kabilang ang kasaysayan ng pag-upa at mga credit report.</p><p data-block-key="1llk9"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="31n16"></p><h2 data-block-key="cc9ei"><b>Manipis na credit file / Walang credit file (Thin credit file / No credit file)</b></h2><p data-block-key="ekle3">Ang manipis na credit file o walang credit file ay nangangahulugan na ang isang indibidwal ay walang credit history o hindi sapat ang kasalukuyang credit history para makabuo ng credit score. Tingnan ang <a href="#creditinvisible">Credit invisible</a><br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/tl/debt-collection-key-terms/index.html
new file mode 100644
index 000000000000..4d7fbb164686
--- /dev/null
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@@ -0,0 +1,1484 @@
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+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
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+            </ul>
+        </div>
+    </div>
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
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+    >
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+       >
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+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small Business Lending Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
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+          "
+   href=/language/tl/auto-loan-key-terms/>
+    Mga pangunahing kataga para sa mga loan sa sasakyan
+</a>
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/bank-accounts-key-terms/>
+    Mga pangunahing termino para sa mga account sa bangko
+</a>
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+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-card-key-terms/>
+    Mga pangunahing termino para sa credit card
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-reports-and-scores-key-terms/>
+    Mga pangunahing termino para sa mga credit report at score
+</a>
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+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mga pangunahing termino para sa pagkolekta ng utang
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/fraud-key-terms/>
+    Mga pangunahing termino para sa panloloko at mga scam
+</a>
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/mortgages-key-terms/>
+    Mga pangunahing termino para sa mga mortgage
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+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Tagalog)</div>
+<h1>Mga pangunahing termino para sa pagkolekta ng utang</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
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+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/debt-collection-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/debt-collection-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/debt-collection-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/language/ru/debt-collection-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/debt-collection-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/debt-collection-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Credit counselor</b></h2><p data-block-key="9caf0">Makakatulong ang mga credit counselor sa mga sumusunod:</p><ul><li data-block-key="6c61c">Payuhan ka pagdating sa pamamahala ng iyong pera at mga utang</li><li data-block-key="1a09l">Tulungan kang bumuo ng badyet</li><li data-block-key="9dpln">Kadalasang naghahandog ng mga libreng materyal at workshop na pang-edukasyon</li><li data-block-key="cob9m">Karaniwan, ang <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">mga credit counselor</a> ay sertipikado at sinanay sa mga aspeto ng credit ng mamimili, pamamahala ng pera at utang, at pagbabadyet. Tinatalakay sa iyo ng mga counselor ang kabuuan ng iyong pinansyal na kalagayan, at tinutulungan kang bumuo ng isang personalisadong plano para lutasin ang mga problema mo sa pera. <br/><br/></li></ul><hr/><p data-block-key="fee9b"></p><h2 data-block-key="d61v3"><b>Patakaran sa pagkolekta ng utang (Debt Collection Rule)</b></h2><p data-block-key="223kn">Naglabas ang CFPB ng “mga patakaran” na nagkabisa noong Nobyembre 30, 2021 na naglilinaw at nagbibigay ng interpretasyon sa pederal na Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang).</p><p data-block-key="66cv9"><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">Magbasa pa</a> <br/><br/></p><hr/><p data-block-key="65hhb"></p><h2 data-block-key="78mr1"><b>Tagakolekta ng utang (Debt collector)</b></h2><p data-block-key="b34qm">Sa ilalim ng pederal na Fair Debt Collection Practices Act (Batas sa mga Patas na Gawain ng pagkolekta ng utang), ang tagakolekta ng utang ay karaniwang isang tao o kumpanyang regular na nangongolekta ng mga utang na pagkakautang sa iba, at madalas ay kapag matagal nang hindi pa nababayaran ang mga utang na iyon.</p><p data-block-key="5p27h">Kabilang sa mga tagakolekta ng utang ang mga ahensyang tagakolekta o mga abogadong nangongolekta ng mga utang bilang bahagi ng kanilang negosyo. May mga kumpanya ring bumibili ng mga utang na matagal nang hindi pa nababayaran mula sa mga creditor o ibang mga negosyo at pagkatapos ay sinusubukang kolektahin ang mga ito. Ang mga tagakolekta ng utang na ito ay tinatawag ding mga ahensyang tagakolekta ng utang, kumpanyang tagakolekta ng utang, o tagabili ng utang. <br/><br/></p><hr/><p data-block-key="47rge"></p><h2 data-block-key="7ekkh"><b>Mga serbisyo ng pag-areglo ng utang (relief) (Debt settlement (relief) services)</b></h2><p data-block-key="2sp5n">Ang mga kumpanyang nag-aareglo ng utang ay mga kumpanyang nagsasabing kaya nilang muling makipagnegosasyon, aregluhin, o baguhin sa ibang paraan ang mga tuntunin sa utang ng isang indibidwal sa creditor o tagakolekta ng utang. Maaaring mapanganib ang makiharap sa mga kumpanyang nag-aareglo ng utang.</p><p data-block-key="9vnmj"><a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/></p><hr/><p data-block-key="bhdh2"></p><h2 data-block-key="frq2p"><b>Fair Debt Collection Practices Act (FDCPA)</b></h2><p data-block-key="6p490">Ang Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ay ang pangunahing pederal na batas na namamahala sa mga gawain ng pagkolekta ng utang. Pinagbabawalan ng FDCPA ang mga kumpanyang nangongolekta ng utang na gumamit ng mga mapang-abuso, hindi patas o mapanlinlang na gawain upang kolektahin ang utang mula sa iyo. <a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/">Magbasa nang higit pa (sa Ingles)</a> para sa impormasyon tungkol sa iyong mga karapatan sa ilalim ng FDCPA. <br/><br/></p><hr/><p data-block-key="2v9oc"></p><h2 data-block-key="8qc4"><b>Garnishment</b></h2><p data-block-key="cuo13">Nangyayari ang <a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">garnishment sa sahod o account sa bangko</a> kapag kinuha ng creditor ang bahagi ng iyong suweldo o pera mula sa account sa iyong bangko para kolektahin ang perang pagkakautang mo. Karaniwang nangangailangan ang mga garnishment ng utos ng hukuman na nagreresulta mula sa isang <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">hatol</a>. Gayunpaman, may mga partikular na pagkakautang sa pamahalaan ang maaari ring magresulta sa garnishment, kahit walang hatol.</p><p data-block-key="5d5tn">May mga limit at “exemption” ang mga batas ng estado at pederal na batas na naaangkop sa mga garnishment sa account sa bangko at sahod, na karaniwan ay upang matiyak na mayroon kang natitirang panggastos sa buhay. Labag din sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) ang manakot ang tagakolekta ng utang na bawasan ang iyong sahod kung hindi maaaring legal na mabawasan ang iyong sahod. <br/><br/></p><hr/><p data-block-key="52hu6"></p><h2 data-block-key="3jit5"><b>Panghaharas ng tagakolekta ng utang (Harassment by a debt collector)</b></h2><p data-block-key="csf2c">Sinasabi sa Fair Debt Collection Practices Act (FDCPA, Batas sa mga Patas na Gawain ng pagkolekta ng utang) na ikaw o ang iba pang kinokontak ay hindi maaaring harasin, maliitin, o abusuhin ng mga tagakolekta ng utang.</p><p data-block-key="83ir9">Maaaring may iba't ibang uri ng panghaharas ng tagakolekta ng utang. Kabilang sa mga halimbawa ay ang paulit-ulit na pagtawag na ang layunin ay inisin, abusuhin, o harasin ka o ang sinumang taong sumasagot ng telepono; salitang bastos o mura; banta ng karahasan o pamiminsala; paglalathala ng mga listahan ng mga taong tumatangging bayaran ang kanilang mga utang (hindi kasama rito ang pag-uulat ng impormasyon sa kumpanya para sa credit report); at pagtawag sa iyo nang hindi sinasabi sa iyo kung sino sila. <br/><br/></p><hr/><p data-block-key="70oc"></p><h2 data-block-key="cft8k"><b>Hatol (Judgment)</b></h2><p data-block-key="c7nil">Ang hatol ay ang opisyal na resulta ng pagdemanda sa hukuman. Sa mga pagdemanda para sa pagkolekta ng utang, maaaring igawad ng hukom ang hatol sa creditor o <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">tagakolekta ng utang</a> laban sa iyo. Kung hindi mo sasagutin ang legal na reklamo, mawawalan ka ng pagkakataong ipagtanggol ang iyong sarili at maaaring matagpuan mo na lamang na nagpasok na ng hatol laban sa iyo.</p><p data-block-key="3b83a">Kung may nagdemanda sa iyo, o kung may kumuha ng hatol laban sa iyo at hindi ka nakatitiyak sa kung ano ang gagawin, makipag-usap sa isang abogado. Ang ilang abogado ay maaaring maghandog ng mga libreng serbisyo o singil na binawasan ang halaga. Maaaring mayroon ding <a class="a-link a-link__icon" href="http://www.lsc.gov/find-legal-aid"><span class="a-link_text">mga tanggapan para sa legal na tulong</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> o mga legal clinic sa iyong lugar na maghahandog ng mga serbisyo nang libre kung matutugunan mo ang ilang pamantayan. Dapat kumonsulta ang mga servicemember sa kanilang <a href="https://www.consumerfinance.gov/external-site/?ext_url=https://legalassistance.law.af.mil/&signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU">lokal na tanggapan ng JAG</a>. <br/><br/></p><hr/><p data-block-key="1s93"></p><h2 data-block-key="9m81h"><b>Mensaheng limitado ang nilalaman (Limited-Content Message)</b></h2><p data-block-key="ddjfo">Sa ilalim ng Patakaran sa Pagkolekta ng Utang, ito ang voicemail na mensahe para sa mamimili na kailangang maglaman ng partikular na kinakailangang impormasyon at maaaring maglaman ng iba pang opsyonal na nilalaman.</p><p data-block-key="9dlu2"><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/></p><hr/><p data-block-key="a0eg2"></p><h2 data-block-key="71b9l"><b>Orihinal na creditor (Original creditor)</b></h2><p data-block-key="9u98f">Sa pangkalahatan, ang orihinal na creditor ay ang kumpanyang nagbigay sa iyo ng loan o credit. Maaaring subukan ng orihinal na creditor na kolektahin ang mismong dati nang dapat bayarang credit, o kaya ay maaari silang kumuha ng tagakolekta ng utang. Maaari ring ibenta ng orihinal na creditor ang iyong credit account sa isang tagakolekta ng utang. Ang tagakolekta ng utang ay karaniwang isang ikatlong partido na partikular na kinontrata para mangolekta sa iyong account, o isang taong bumili nito mula sa orihinal na creditor o iba pang tagakolekta ng utang o tagabili ng utang. <br/><br/></p><hr/><p data-block-key="9va6u"></p><h2 data-block-key="11e9i"><b>Statute of limitations</b></h2><p data-block-key="c0stu">Ang statute of limitations ay ang limitadong haba ng panahong mayroon ang mga creditor o nangongolekta ng utang na <a class="" data-pretty-href="cfpb.gov/askcfpb/334" href="/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/">magdemanda</a> para mabawi ang utang. Karamihan sa mga statute of limitations ay napapailalim sa tatlo hanggang anim na taon bagaman maaaring mapalawig ang mga ito sa ibang jurisdiksyon. Maaaring mag-iba ang mga statute of limitations depende sa mga batas ng estado, uri ng utang na mayroon ka, o batas ng estado na binanggit sa kasunduan ng iyong credit. <br/><br/></p><hr/><p data-block-key="7p9o"></p><h2 data-block-key="6ktcl"><b>Validation notice</b></h2><p data-block-key="1ovs0">Ang nangongolekta ng utang ay kailangang magbigay ng partikular na impormasyon kapag nakikipag-ugnayan ito sa unang pagkakataon sa mamimili, o pagkatapos nito. Kapag ibinigay ng nangongolekta ng utang ang kinakailangang impormasyong ito sa paraang elektroniko o nakasulat, ito ay tinatawag na validation notice.</p>
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diff --git a/www.consumerfinance.gov/language/tl/fraud-key-terms/index.html b/www.consumerfinance.gov/language/tl/fraud-key-terms/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/fraud-key-terms/index.html
@@ -0,0 +1,1484 @@
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+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            Search
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
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+        <span class="m-global-search_trigger-open-label">
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+            <span class="u-hide-on-mobile">Search</span>
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+            <span class="u-hide-on-mobile">Isara</span>
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+    </button>
+    <div class="m-global-search_content
+                u-hidden"
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+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Search</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Search</button>
+               </div>
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+        </form>
+    </div>
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+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+                aria-label="Rules & Policy"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Enforcement"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
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+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+       >
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+       >
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+</li>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+                aria-label="News"
+                >
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+    >
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+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
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+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
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+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
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+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/tl/">
+                    CFPB in Tagalog
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            Galugarin ang seksyong ito
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/auto-loan-key-terms/>
+    Mga pangunahing kataga para sa mga loan sa sasakyan
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/bank-accounts-key-terms/>
+    Mga pangunahing termino para sa mga account sa bangko
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-card-key-terms/>
+    Mga pangunahing termino para sa credit card
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-reports-and-scores-key-terms/>
+    Mga pangunahing termino para sa mga credit report at score
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/debt-collection-key-terms/>
+    Mga pangunahing termino para sa pagkolekta ng utang
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mga pangunahing termino para sa panloloko at mga scam
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/mortgages-key-terms/>
+    Mga pangunahing termino para sa mga mortgage
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Tagalog)</div>
+<h1>Mga pangunahing termino para sa panloloko at mga scam</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/fraud-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/fraud-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/fraud-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/language/ru/fraud-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/fraud-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Pananamantala sa pananalapi ng matatanda (Elder financial exploitation)</b></h2><p data-block-key="c8crj">Ang pananamantala sa pananalapi ng matatanda ay ang ilegal o hindi tamang paggamit ng mga pondo, ari-arian, o mga asset ng isang matanda. Ito ang pinakakaraniwang uri ng pang-aabuso sa matatanda, ngunit kaunting bahagi lamang ng mga insidente nito ang naiuulat.</p><p data-block-key="2db20">Ang mga may sala ay maaaring mga estrangherong nakuha ang tiwala ng matatanda, ngunit maaari rin silang maging mga kapamilya o kaibigan. Mahalagang malaman ang mga palatandaang babala.</p><p data-block-key="12q4h"><a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="4u3o6"></p><h2 data-block-key="cvcdr"><b>Tulong sa pagkaremata ng tirahan na scam (Foreclosure relief scam)</b></h2><p data-block-key="ubv8">Ang mga scam na tulong sa pagkaremata ng tirahan (foreclosure) at pagbabago sa mortgage loan ay mga pakana para makuha ang iyong pera o iyong bahay—madalas sa pamamagitan ng pagbibigay ng huwad na pangako ng pagliligtas sa iyo sa pagkakaremata ng tirahan. Maaaring harap-harapang humingi ng pera ang mga scammer na ito at sabihing ginagarantiya nila na maaari mong mabago ang mga tuntunin sa iyong mortgage. Kung nahihirapan kang magbayad ng mortgage, maaaring kang gabayan nang libre sa mga opsyon ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD nang libre.<br/><br/></p><hr/><p data-block-key="elero"></p><h2 data-block-key="2f8n5"><b>Fraud alert para makaiwas (Fraud alert for prevention)</b></h2><p data-block-key="8o3m8">Ang fraud alert ay isang bagay na magagamit mo upang mabawasan ang posibilidad na maging biktima ng identity theft sa bagong account. Inaatasan nito ang mga creditor na tingnan ang iyong credit report upang gumawa ng mga hakbang upang maberipika ang iyong pagkakakilanlan bago magbukas ng panibagong account, mag-isyu ng karagdagang card, o pataasin ang credit limit sa kasalukuyang account. Kapag nagtakda ka ng fraud alert sa iyong credit report sa isa sa mga pambansang credit report na kumpanya, kailangan nitong abisuhan ang iba.</p><p data-block-key="4jhk7">May dalawang pangunahing uri ng fraud alert: ang mga paunang fraud alert at mga pinalawig na fraud alert. Ang mga miyembro ng militar ay may karagdagang opsyon—mga active duty alert, na nagbibigay sa mga service member ng proteksyon habang sila ay nasa active duty.</p><p data-block-key="4skl7"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="e6fr3"></p><h2 data-block-key="18sl0"><b>Panloloko ng mga fiduciary (Fraud by fiduciaries)</b></h2><p data-block-key="ej791">Ang fiduciary ay isang taong namamahala sa pera o ari-arian ng iba. Halimbawa, ang mga ahente sa ilalim ng power of attorney o tagapag-alagang hinirang ng hukuman ay mga fiduciary.</p><p data-block-key="75g10">Kapag ikaw ay pinangalanang fiduciary, inaatasan ka ng batas na pamahalaan ang pera at ari-arian ng tao para sa ikapakikinabang niya at hindi ikaw. Kapag ginagastos ng fiduciary ang pera para sa ikapakikinabang niya, iyon ay maaaring maturing bilang panloloko.<br/><br/></p><hr/><p data-block-key="8g7op"></p><h2 data-block-key="3ncl2"><b>Identity theft</b></h2><p data-block-key="dpsf8">Nangyayari ang identity theft kapag may isang taong nagnakaw ng iyong pagkakakilanlan upang gumawa ng panloloko.</p><p data-block-key="dir1r">Ang pagnanakaw ng iyong pagkakakilanlan ay maaaring mangahulugang paggamit ng personal na impormasyon nang wala ang iyong pahintulot, tulad ng iyong pangalan, numero ng Social Security, impormasyon ng account sa bangko, o numero ng credit card. <a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text">Nagbibigay ng impormasyon ang Federal Trade Commission (Pederal na Komisyon sa Kalakal)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> tungkol sa pag-iwas at pagtugon sa identify theft.<br/><br/></p><hr/><p data-block-key="b9hrq"></p><h2 data-block-key="367ss"><b>Mga scam ng impostor (Imposter scams)</b></h2><p data-block-key="1f3pq">Sinusubukan ng mga impostor na scammer na kumbinsihin kang magpadala ng pera sa pamamagitan ng pagpapanggap na sila ay kakilala o pinagkakatiwalaan mo tulad ng sheriff, empleyado ng lokal na pamahalaan, estado, o pederal na pamahalaan, o organisasyong pangkawanggawa. Tandaan, maaaring peke ang caller ID. Matatawagan mo lagi ang organisasyon o ahensya ng pamahalaan at maitatanong kung nagtatrabaho ang taong iyon sa kanila bago magbigay ng anumang pera.<br/><br/></p><hr/><p data-block-key="4khon"></p><h2 data-block-key="dhn3b"><b>Panloloko sa sulat (Mail fraud)</b></h2><p data-block-key="8is9o">Ang mga sulat na nanloloko ay mukhang tunay ngunit huwad ang mga pangako. Ang karaniwang palatandaang babala ay isang sulat na humihiling sa iyong magpadala na ngayon ng pera o personal na impormasyon upang makakuha ka ng isang bagay na may halaga pagkatapos mong magpadala ng pera o impormasyon.<br/><br/></p><hr/><p data-block-key="3eu3"></p><h2 data-block-key="d9eqs"><b>Phishing</b></h2><p data-block-key="3r466">Sa phishing, nagpapanggap ang scammer na isang negosyo o tao para linlangin ka at ibigay mo ang iyong personal na impormasyon tulad ng mga password, mga numero ng credit card, o impormasyon ng account sa bangko. Maaaring gumamit ang scammer ng mga mapanlokong email, text, o website para nakawin ang impormasyong ito mula sa iyo. Maaaring mukhang tunay ang mga email na ito.<br/><br/></p><hr/><p data-block-key="3j2lg"></p><h2 data-block-key="btcuk"><b>Security freeze para makaiwas (Security freeze for prevention)</b></h2><p data-block-key="8c9e3">Ang security freeze ay pumipigil sa mga bagong creditor na i-access ang iyong credit file at ang iba pa para magbukas ng mga account na nangangailangan ng credit check sa pangalan mo, hanggang sa alisin mo ang pagka-freeze nito.</p><p data-block-key="54fvr">Dahil karamihan sa mga negosyo ay hindi magbubukas ng mga credit account nang hindi tinitingnan ang iyong credit report, mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan na magbukas ng mga bagong account na nakapangalan sa iyo. Tandaan na hindi mapipigilan ng freeze ang mga magnanakaw ng pagkakakilanlan sa pagnanakaw ng mga umiiran nang account.</p><p data-block-key="cacal"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Magbasa nang higit pa (sa Ingles)</a><br/><br/></p><hr/><p data-block-key="emjhe"></p><h2 data-block-key="6pn73"><b>Spoofing</b></h2><p data-block-key="2vq9s">Nangyayari ang spoofing kapag itinatago ng tumatawag ang impormasyon na ipinapakita sa iyong caller ID. Nagbibigay ito sa tumatawag ng kakayahang ikubli o “i-spoof” ang pangalan at/o numerong upang makita na tila tumatawag sila bilang sa isang partikular na tao mula sa isang espesipikong lokasyon.<br/><br/></p><hr/><p data-block-key="cso62"></p><h2 data-block-key="7codu"><b>Panlolokong wire o money transfer (Wire or money transfer fraud)</b></h2><p data-block-key="5fvpr">Lilinlangin ka ng ilang scammer para mag-wire o mag-transfer ka ng pera para nakawan ka. Isang karaniwang halimbawa ng panlolokong wire transfer ay ang “grandparent scam”. Ito ay kapag ang scammer na nagpapanggap bilang apo o kaibigan ng apo ay tatawag at sasabihing nasa ibang bansa o napahamak sila, at kailangang agad na ma-wire o mapadalhan ng pera.<br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/tl/how-to-avoid-foreclosure/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/how-to-avoid-foreclosure/index.html
@@ -0,0 +1,1425 @@
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+       >
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+       >
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/tl/">
+                    CFPB in Tagalog
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Tagalog)</div>
+<h1>Paano maiiwasan ang foreclosure</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
+                lang="en"
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+                translate="no">English
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+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/how-to-avoid-foreclosure/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/how-to-avoid-foreclosure/"
+                lang="ko"
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+                translate="no">한국어
+                </a>
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+            <li>Tagalog</li>
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+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">Ang pinakamahalagang bagay na magagawa mo kapag nahihirapan kang bayaran ang iyong mortgage ay magkaroon ng kontrol. Sa karamihan sa mga kaso, ang pinakamasamang bagay ay ang walang gawin. Ang pagkakaroon ng kontrol ay nangangahulugang paggawa ng apat na hakbang:</p>
+    </div>
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+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc">1. Tumawag o tumanggap ng tawag para sa tulong</h2><p data-block-key="4q2sr">Magkaroon ng kontrol sa pamamagitan ng pagtanggap ng mga tawag mula sa iyong mortgage servicer. Ang mas mabuti pa, tawagan agad ang iyong service mortgager sa oras na malaman mong hindi mo magagawa ang iyong buwanang pagbabayad. Ang numero ng telepono ay nasa iyong buwanang bill. Ipaalam sa iyong servicer kung bakit hindi mo magagawa ang iyong buwanang pagbabayad at humingi sa servicer ng tulong para maiwasan ang foreclosure.</p><h2 data-block-key="b8r4a"><b>2. Humingi ng libreng tulong ng eksperto</b></h2><p data-block-key="3eqr6">Maaaring makatulong ang iyong servicer kung nahihirapan ka sa pagbabayad mo ng loan. Kung hindi mo makuha ang kailangan mo mula sa iyong servicer, humingi ng ekspertong tulong mula sa mga ahensya ng pagpapayo sa pabahay na malapit sa iyo. Puwedeng bumuo ang mga tagapayo ng naaangkop na plano ng aksyon at tulungan ka sa pakikipagtulungan sa kumpanya ng iyong mortgage. Bumisita sa <a href="/mortgagehelp/">consumerfinance.gov/mortgagehelp</a> o tumawag sa (800) 569-4287 at ilagay ang iyong Zip code, para maghanap ng tagapayo sa pabahay na inaprubahan ng HUD.</p><h2 data-block-key="dtaft"><b>3. Labanan ang scam</b></h2><p data-block-key="5opi6">Maaaring subukan ng mga manloloko na samantalahin ang mga nahihirapang may-ari ng tirahan sa pamamagitan ng paniningil ng malaking halaga— kahit libu-libong dolyar—para sa mga huwad na pangako ng tulong. Hindi mo dapat bayaran ang kahit na sino para matulungan kang maiwasan ang foreclosure. Maaaring makuha mo ang kinakailangan mong tulong nang walang bayad mula sa iyong servicer, o sa pamamagitan ng ahensya ng pagpapayo sa pabahay na inaprubahan ng HUD.</p><h2 data-block-key="e0dpi"><b>4. Mag-apply para sa tulong</b></h2><p data-block-key="3ggvs">Kailangang makipag-ugnayan sa iyo ang iyong loan servicer, bigyan ka ng wastong impormasyon, at sabihin sa iyo ang mga opsyon ng mitigasyon sa pagkawala na maaaring karapat-dapat ka. Ang mitigasyon sa pagkawala ay tumutukoy sa mga paraan na puwedeng makipagtulungan sa iyo ang iyong servicer upang maiwasan ang foreclosure. Kung magpapadala ka ng kumpletong aplikasyon sa iyong mortgage servicer nang maaga, kailangang ipaalam sa iyo ng iyong mortgage servicer ang mga opsyon na mayroon ka upang mapanatili ang iyong tirahan, o kung mas makatuwiran, lisanin ang iyon tirahan.</p><p data-block-key="c463p">May maraming karanasan ang mga tagapayo sa pabahay sa pagtulong sa mga taong pagsumikapan ang pag-iwas sa foreclosure. Maaari ka nilang tulungan sa mga kumplikadong hakbang para maiwasan ang iyong mga opsyon at mag-apply para sa tulong.</p><p data-block-key="18g79">Hindi makakagawa ng unang abiso o pagpa-file para sa foreclosure maliban na lang kung ikaw ay mahigit 120 araw nang hindi nakakapagbayad. Bukod dito, kapag nagsumite ka ng kumpletong aplikasyon para sa tulong sa mortgage nang maaga, hindi makakapagsimula ang mortgage servicer ng foreclosure habang pinag-aaralan ang kaso mo o kung sinusunod mo ang mga kinakailangan sa pagbabago ng loan. Kaya gawin ito, at huwag magpaantala. Kung mas maaga mong makukumpleto ang aplikasyon, mas marami kang makukuhang proteksyon.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="2n95u">Paano malalaman ang scam sa foreclosure</h2><p data-block-key="74ptv">Maaaring sabihin sa iyo ng mga scammer sa foreclosure na ililigtas nila ang tirahan mo sa foreclosure, gayong kukunin lang nila ang pera mo.</p><p data-block-key="9d4fb">Tingnan ang mga palatandaang babala ng mga scam na ito:</p><ul><li data-block-key="d7e0g">Sinabihan kang magbayad agad para sa tulong.</li><li data-block-key="js9u">Ginagarantiya ng kumpanya na mapapabago nila ang mga tuntunin ng iyong mortgage.</li><li data-block-key="37lm1">Ginagarantiya ng kumpanya na hindi mo mawawala ang tirahan mo.</li><li data-block-key="j4oa">Sinasabihan kang ibigay sa iba ang titulo ng iyong tirahan o lagdaan ang iba pang mga dokumentong hindi mo nauunawaan.</li><li data-block-key="5aoho">Binibilinan kang ipadala ang iyong pagbabayad sa isang taong bukod sa kumpanya ng iyong mortgage o servicer.</li><li data-block-key="1iih8">Naghahandog ang kumpanya ng “porensikong pag-o-audit.”</li><li data-block-key="7b7o">Sinabihan kang itigil ang pagbabayad mo ng mortgage.</li><li data-block-key="9omv1">Sinasabi ng kumpanyang kaakibat sila ng gobyerno, o gumagamit ng logo na katulad ang hitsura ng sagisag ng gobyerno ngunit may kaunting pagkakaiba.</li></ul>
+</div>
+            </div>
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+                <h2 data-block-key="64tlc">Magsumite ng reklamo tungkol sa produkto o serbisyong pampananalapi</h2><p data-block-key="f0vs7">Sa bawat linggo, nagpapadala kami ng mahigit 10,000 reklamo tungkol sa mga pinansyal na produkto at serbisyo sa mga kumpanya para kanilang sagutin. Kung mas makakatulong ang ibang ahensya, ipapadala namin ito sa kanila at ipapaalam namin sa iyo. Sumasagot ang karamihan sa mga kumpanya sa loob ng 15 araw.</p><ul><li data-block-key="c7qe0"><a href="/complaint/"><b>Online</b></a> <b>(sa Ingles)</b></li><li data-block-key="522ou"><b>O sa pamamagitan ng telepono sa</b> <b>(855) 411-2372</b> <b>para sa tulong sa Tagalog,</b> at 180 iba pang wika. Karaniwang sinasagot ang tawag nang wala pang 1 minuto. Isasalin ang iyong reklamo sa Ingles at ipapadala sa kumpanya para kanilang sagutin. Kapag sumagot ang kumpanya, karaniwang gagawin nila ito sa Ingles, ngunit maaari kang tumawag sa amin para marinig ang isinaling sagot.</li></ul>
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diff --git a/www.consumerfinance.gov/language/tl/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/tl/mortgages-key-terms/index.html
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+++ b/www.consumerfinance.gov/language/tl/mortgages-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
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+<div aria-level="2" role="heading">
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
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+       >
+        Notices and Opportunities to Comment
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+       >
+        Advisory Committees
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+        Enforcement
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+                aria-label="Enforcement"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/auto-loan-key-terms/>
+    Mga pangunahing kataga para sa mga loan sa sasakyan
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/bank-accounts-key-terms/>
+    Mga pangunahing termino para sa mga account sa bangko
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-card-key-terms/>
+    Mga pangunahing termino para sa credit card
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/credit-reports-and-scores-key-terms/>
+    Mga pangunahing termino para sa mga credit report at score
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/debt-collection-key-terms/>
+    Mga pangunahing termino para sa pagkolekta ng utang
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/tl/fraud-key-terms/>
+    Mga pangunahing termino para sa panloloko at mga scam
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Mga pangunahing termino para sa mga mortgage
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Mortgages key terms (in Tagalog)</div>
+<h1>Mga pangunahing termino para sa mga mortgage</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/mortgages-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/mortgages-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>
+                <a href="/language/vi/mortgages-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/mortgages-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>Tagalog</li>
+            <li>
+                <a href="/language/ru/mortgages-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/mortgages-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/mortgages-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>5/1 adjustable rate mortgage</b></h2><p data-block-key="7cr74">Ang 5/1 adjustable rate mortgage (ARM) o 5-taong ARM ay isang mortgage loan kung saan “5” ang bilang ng taon na mananatiling hindi magbabago ang iyong unang antas ng interes. Ang “1” ay kumakatawan sa kung gaano kadalas mag-a-adjust ang iyong antas ng interes sa pagkatapos ng unang limang taon. Ang pinakakaraniwang panahong hindi nagbabago ang 3, 5, 7, at 10 taon at ang “1,” ay ang pinakakaraniwang panahon ng adjustment. Mahalagang basahin nang mabuti ang kontrata at magtannong kung pinag-iisipan mo ang ARM.</p><p data-block-key="ebpbq"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Alamin pa ang tungkol sa kung paano nagbabago ang mga adjustable rate</a>. <br/><br/><br/></p><hr/><h2 data-block-key="7697g"><br/><b>Patakaran na kakayahang magbayad (Ability-to-repay rule)</b></h2><p data-block-key="7squg">Ang patakaran na kakayahang magbayad ay ang pagpapasyang makatwiran at may mabuting layunin na iniaatas sa mga nagpapautang na gawin na kaya mong bayaran ang loan.</p><p data-block-key="bf4lk"><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">Magbasa nang higit pa (sa Ingles)</a><br/><br/><br/></p><hr/><h2 data-block-key="b6tei"><br/><b>Adjustable rate mortgage (ARM)</b></h2><p data-block-key="6slo5">Ang adjustable rate mortgage (ARM, maaayos na antas sa utang sa bahay) ay isang uri ng loan na kung saan maaaring magbado ang antas ng interes, na karaniwang kaugnay ng naka-indiseng antas ng interes. Tataas o bababa ang iyong buwanang kabayaran depende sa panimulang panahon, mga limit sa antas, at naka-indiseng antas ng interes ng loan. Sa ARM, ang antas ng interes at buwanang kabayaran ay maaaring magsimula nang mas mababa kaysa sa hindi nagbabagong antas ng mortgage, ngunit ang parehong antas ng interes at buwanang kabayaran ay maaaring labis na tumaas.</p><p data-block-key="lmjm">Alamin pa ang tungkol sa <a href="/owning-a-home/loan-options/">kung paano gumagana ang mga ARM at kung ano ang isasaalang-alang</a>. <br/><br/><br/></p><hr/><h2 data-block-key="2c2ip"><br/><b>Amortisasyon (Amortization)</b></h2><p data-block-key="8jf47">Ang amortisasyon ay nangangahulugang pagbayad ng loan sa pamamagitan ng mga regular na pagbabayad sa loob ng ilang panahon, nang sa gayon ay mabawasan ang halagang pagkakautang mo sa bawat pagbabayad. Karamihan sa mga loan ay naka-amortize, ngunit may ilang mortgage loan na hindi ganap na naka-amortize, na ang ibig sabihin ay may pagkakautang ka pa ring pera pagkatapos ng lahat ng iyong pagbabayad.</p><p data-block-key="31dd7">Ang ilan sa mga loan sa tirahan ay nagpapahintulot ng mga pagbayad para sagutin lamang ang halaga ng interes na dapat bayaran, o halagang mas mababa sa interes na dapat bayaran. Kung mas mababa ang mga kabayaran kaysa sa interes na dapat bayaran sa bawat buwan, lalaki ang balanse ng mortgage sa halip na bababa. Ang tawag dito ay negatibong amortisasyon. Ang ibang mga programa ng loan na hindi ganap na naka-amortize sa panahon ng loan ay maaaring mangailangan ng malaking kabuuang halaga ng “balloon” na kabayaran sa katapusan ng termino ng loan. Siguraduhing alam mo kung anong uri ng loan ang kinukuha mo.</p><p data-block-key="bo07c"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="4ujv"><br/><b>Napinansyang halaga (Amount financed)</b></h2><p data-block-key="362j2">Ito ang halaga ng perang hinihiram mo mula sa nagpapautang, kung saan ibabawas ang karamihan sa mga harapang singil na ipinapataw sa iyo ng nagpapautang.</p><p data-block-key="fco5o"><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="7mf4e"><br/><b>Taunang kita (Annual income)</b></h2><p data-block-key="f84r6">Ang taunang kita ay ang salik sa aplikasyon para sa mortgage loan at karaniwang tumutukoy sa kabuuang kinita mo, bago ikaltas ang buwis sa loob ng isang taon. Maaaring kasama sa taunang kita ang kita mula sa full-time o part-time na trabaho, sariling kabuhayan, mga tip, mga komisyon, overtime, mga bonus, o iba pang mga mapagkukunan. Gagamitin ng nagpapautang ang impormasyon tungkol sa taunan mong kita at sa mga kasalukuyan mong buwanang utang upang mapagpasyahan kung mayroon kang kakayahang bayaran ang loan.</p><p data-block-key="5kll4">Aasa man ang nagpapautang sa partikular na pinagmumulan ng kita o halaga kapag isinasaalang-alang ka para sa loan ay kadalasang magdedepende sa kung maaasahang tuloy-tuloy ang iyong kita.</p><p data-block-key="fc33o"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">Alamin pa ang tungkol sa kung bakit mahalaga sa mga nagpapautang ang iyong kakayahang magbayad</a>. <br/><br/><br/></p><hr/><h2 data-block-key="1kbed"><br/><b>Taunang porsyento ng singil (APR) (Annual Percentage Rate (APR))</b></h2><p data-block-key="4o6ss">Ang taunang porsyento ng singil (APR) ay ang mas malawak na sukatan ng gastos sa paghiram ng pera kaysa sa antas ng interes. Sumasalamin ang APR sa antas ng interes, anumang mga puntos, mga singil ng mortgage broker, at iba pang mga singil na babayaran mo para makakuha ng loan. Dahil doon, kadalasang mas mataas ang APR kaysa sa iyong antas ng interes.</p><p data-block-key="cifr3"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">Alamin kung paano paghahambingin ang mga APR</a> <br/><br/><br/></p><hr/><h2 data-block-key="fl9nb"><br/><b>Singil sa appraisal (Appraisal fee)</b></h2><p data-block-key="7ipbq">Ang singil sa appraisal ay ang gastos sa appraisal ng bahay na pinaplano mong bilhin o pag-aari mo na. Ang mga appraisal sa tirahan ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian. Sa karamihan sa mga kaso, ang pagpili ng appraiser at anumang kaugnay na gastos ay pagpapasyahan ng nagpapautang.</p><p data-block-key="752lm"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="2bg6g"><br/><b>Awtomatikong pagbabayad (Automatic payment)</b></h2><p data-block-key="407j4">Ang mga awtomatikong pagbabayad ay nagpapahintulot sa iyong magtakda ng nauulit na mga pagbabayad na mortgage sa pamamagitan ng iyong bangko. Ang mga awtomatikong pagbabayad ay maaaring isang kumbinyenteng paraan upang matiyak na nagbabayad ka sa oras <br/><br/><br/></p><hr/><h2 data-block-key="ev3uk"><br/><b>Balloon loan</b></h2><p data-block-key="490t6">Para sa mga mortgage, ang balloon loan ay nangangahulugan na ang may isang pagbabayad ng loan na mas malaki kaysa karaniwan; karaniwan itong nasa huling bahagi ng termino ng loan. Ang isang beses na pagbabayad na ito ay tinatawag na balloon payment, at mas mataas ito kaysa sa iba mo pang mga pagbabayad, at paminsan-minsan ay higit na mataas. Kung hindi mo mababayaran ang balloon na halaga, maaaring kailanganin mong mag-refinance, ibenta ang iyong tirahan, o maharap sa pagkaremata (foreclosure).</p><p data-block-key="49piq"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">Alamin kung bakit maaaring mapanganib ang mga balloon loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="7grit"><br/><b>Pagbayad kada dalawang linggo (Bi-weekly payment)</b></h2><p data-block-key="3htdb">Sa isang plano ng pagbayad kada dalawang linggo, kinokolekta ng mortgage servicer ang kalahati ng iyong buwanang kabayaran kada dalawang linggo, na magreresulta sa 26 na kabayaran sa loob ng isang taon (na may kabuuang isa pang dagdag na bayad kada taon). Sa pagbibigay ng mga karagdagang kabayaran at paglalapat ng iyong mga kabayaran sa principal, maaari mong mabayaran nang buo nang maaga ang iyong loan. Bago piliin ang pagbayad kada dalawang linggo, tiyakin na pinag-aralan mo ang mga tuntunin sa iyong loan para malaman kung sasailalim ka sa multa ng prepayment penalty (multa sa maagang pagbabayad nang buo) kung gagawin mo ito. Alamin kung magpapataw ang iyong servicer ng anumang mga singil para sa plano ng pagbayad kada dalawang linggo. Maaari mong maisakatuparan ang parehong mithiin nang walang singil sa pamamagitan ng dagdag na buwanang bayad sa mortgage kada taon. <br/><br/><br/></p><hr/><h2 data-block-key="52pu2"><br/><b>Closing disclosure</b></h2><p data-block-key="1prko">Ang closing disclosure ay ang kinakailangang limang-pahinang form na nagbibigay ng mga panghuling detalye ungkol sa mortgage loan na pinili mo. Kabilang dito ang mga tuntunin ng loan, ang inaasahan mong mga buwanang kabayaran, at kung magkano ang mga babayaran mong singil at iba pang mga gastos para makuha ang iyong mortgage.</p><p data-block-key="341rq"><a href="/owning-a-home/closing-disclosure/">Alamin kung paano masusuri na ang lahat ng detalye tungkol sa iyong loan ay tama sa iyong closing disclosure</a>. <br/><br/><br/></p><hr/><h2 data-block-key="4hgog"><br/><b>Construction loan</b></h2><p data-block-key="eglqo">Ang construction loan ay karaniwang isang pangmaikling panahong loan na nagbibigay ng mga pondo para sagutin ang gastos sa pagpapatayo o pagbibigay ng rehabilitasyon sa tirahan.</p><p data-block-key="chifm"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="/ask-cfpb/what-is-a-construction-loan-en-108/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="cn6pa"><br/><b>Conventional loan</b></h2><p data-block-key="fvsq8">Ang conventional loan ay anumang mortgage loan na hindi naka-insure o ginagarantiyahan ng pamahalaan (tulad ng sa ilalim ng mga programa ng loan ng Federal Housing Administration [FHA, Pederal na Pangasiwaan sa Pabahay], Department of Veterans Affairs [VA, Kagawaran para sa mga Kapakanan ng mga Beterano], o Department of Agriculture [Kagawaran ng Agrikultura]).</p><p data-block-key="cpbn0">Alamin pa ang tungkol sa <a href="/owning-a-home/loan-options/conventional-loans/">mga conventional loan at iba pang mga uri ng loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="2n71f"><br/><b>Co-signer o co-borrower</b></h2><p data-block-key="55sa">Ang co-signer o co-borrower ay isang taong sumang-ayon na akuin ang buong responsibilidad na bayaran ang mortgage loan kasama ka. Obligado ang taong ito na bayaran ang anumang hindi pagbabayad at maging ang buong halaga ng loan kung hindi ka magbabayad. Kinikilala ng ilang programa ng mortgage ang co-signer bilang isang taong hindi nakapangalan sa titulo at walang anumang interes na pagmamay-ari sa naka-mortgage na tirahan. Ang pagkakaroon ng co-signer o co-borrower sa iyong mortgage loan ay nagbibigay sa nagpapautang sa iyo ng dagdag na katiyakan na mababayaran ang loan. Ngunit manganganib ang rekord ng credit at pananalapi ng co-signer o co-borrower kung hindi mo babayaran ang loan.</p><p data-block-key="4nt1u"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="7l0j6"><br/><b>Credit history</b></h2><p data-block-key="5t2gd">Ang credit history ay ang rekord ng iyong mga credit account at ang iyong kasaysayan ng pagbabayad sa oras gaya ng ipinapakita sa iyong credit report. Ang mga kumpanyang nag-uulat tungkol sa mamimili, na kilala rin bilang mga kumpanya para sa credit report, ay nangongolekta at nag-a-update ng impormasyon tungkol sa rekord ng iyong credit at ibinibigay ito sa ibang mga negosyo, na gumagamit nito para gumawa ng mga desisyon tungkol sa iyo. May impormasyon ang mga credit report tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng iyong kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account.</p><p data-block-key="bce6l"><a href="/owning-a-home/prepare/check-your-credit/">Alamin pa ang tungkol sa pagtingiin ng iyong credit history bago bumili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="24c2a"><br/><b>Credit report</b></h2><p data-block-key="4ecsd">Ang credit report ay isang pahayag na may impormasyon tungkol sa aktibidad ng iyong credit at kasalukuyang sitwasyon ng iyong credit tulad ng kasaysayan ng pagbabayad ng loan at katayuan ng iyong mga credit account. Ginagamit ng mga nagpapautang ang iyong mga credit score at ang impormasyon sa iyong credit report upang mapagpasyahan kung kuwalipikado ka para sa loan at kung anong antas ng interes ang iaalok sa iyo.</p><p data-block-key="5deph">Alamin pa kung paano <a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">makakuha ng kopya ng iyong mga credit report</a>. <br/><br/><br/></p><hr/><h2 data-block-key="40k9n"><br/><b>Credit score</b></h2><p data-block-key="fh67e">Sa credit score nalalaman kung gaano kasigurong mababayaran mo ang loan sa oras. Ginagamit ng mga kumpanya ang pormulang pangmatematika—na tinatawag na modelo ng pag-score—para lumikha ng iyong credit score mula sa impormasyon sa iyong credit report. May iba't ibang modelo ng pag-score, kaya hindi lamang iisang score ang mayroon ka. Nakadepende ang iyong credit score sa iyong credit history, sa uri ng produkto ng loan, at maging sa araw kung kailan ito kinalkula.</p><p data-block-key="8dg8p">Alamin kung <a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">saan mo makukuha ang iyong credit score</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3ak4c"><br/><b>Ratio ng utang (Debt ratio)</b></h2><p data-block-key="c48nu">Ang iyong ratio sa pagitan ng utang at kita ay lahat ng iyong buwanang binabayarang utang na hinati ng iyong buwanang kita na hindi pa kinakaltasan ng buwis. Ang bilang na ito ay isang paraan ng pagsukat ng mga nagpapautang sa iyong kakayahang pamahalaan ang mga buwanang kabayaran upang mabayaran ang perang pinaplano mong hiramin.</p><p data-block-key="70is1">Alamin kung paano <a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">kalkulahin ang iyong ratio sa pagitan ng utang at kita</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6m2hi"><br/><span id="deed-in-lieu-of-foreclosure"></span><b>Deed-in-lieu ng foreclosure (Deed-in-lieu of foreclosure)</b></h2><p data-block-key="cnvmc">Ang deed-in-lieu ng foreclosure ay ang kasunduan kung saan boluntaryo mong ipinapasa ang pagmamay-ari ng iyong tirahan sa nagpapautang upang maiwasan ang proseso ng foreclosure. Maaaring makatulong sa iyo ang deed-in-lieu ng foreclosure na maiwasang managutan sa anumang halagang natitira sa mortgage. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. Ang deed-in-lieu ng foreclosure ay isang uri ng <a href="/consumer-tools/mortgages/answers/">mitigasyon sa pagkalugi</a>. <br/><br/><br/></p><hr/><h2 data-block-key="c00le"><br/><b>Delingkuwente (Delinquent)</b></h2><p data-block-key="7fgtk">Ang pagiging delingkuwente ay isa pang termino para sa pagiging huli sa iyong mga pagbabayad. Maaaring maging delingkuwente ang iyong loan kapag hindi ka nakapagbayad o hindi ka nakapagbayad nang buo hanggang sa itinakdang petsa ng pagbabayad. Pagkatapos mong maging delingkuwente sa partikular na haba ng panahon, maaaring simulan ng nagpapautang o servicer ang proseso ng foreclosure. Ang haba ng panahon ay maaaring mag-iba depende sa estado.</p><p data-block-key="93o92">Maaari ring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure. <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">Alamin pa ang tungkol sa iyong mga opsyon kung hindi mo mababayaran ang iyong mortgage</a>.</p><h4 data-block-key="debrk">Kung naapektuhan ka ng coronavirus</h4><p data-block-key="ajelv">Kumuha ng karagdagang <a href="/coronavirus/mortgage-and-housing-assistance/">impormasyon tungkol sa mga opsyon sa tulong sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6l762"><br/><b>Demand feature</b></h2><p data-block-key="6pkim">Ang closing disclosure ay may pahayag na nababasa bilang “May demand feature ang iyong loan”, kung saan nilagyan ng tsek ang “oo” o “hindi.” Sa demand feature, pinahihintulutan ang nagpapautang na mag-atas ng maagang pagbabayad sa loan.</p><p data-block-key="fabk4"><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="3qdid"><br/><b>Down payment</b></h2><p data-block-key="a6s8c">Ang downpayment ay ang halagang babayaran mo para sa tirahan nang harapan. Maglalagak ka ng porsyento ng halaga ng tirahan bilang pang-down at hihiramin ang natitirang halaga sa pamamagitan ng iyong mortgage loan. Karaniwan, kung mas malaki ang iyong down payment, mas mababa ang antas ng interes na matatanggap mo at mas malamang na maaprubahan ka sa loan.</p><p data-block-key="21gq4"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">Alamin pa ang tungkol sa pagpapasya ng iyong down payment.</a> <br/><br/><br/></p><hr/><h2 data-block-key="5drer"><br/><b>Mga programa o gawad para sa down payment (Down payment programs or grants)</b></h2><p data-block-key="5op67">Ang gawad o programa para sa down payment ay karaniwang tumutukoy sa tulong na ibinibigay ng isang organisasyon tulad ng ahensya ng pamahalaan o non-profit, sa isang bumibili ng tirahan upang tulungan sila sa down payment para sa pagbili ng tirahan. Maaaring ibigay ang mga pondo bilang talagang gawad o maaaring kailanganing mabayaran, tulad ng kapag naibenta ang tirahan.</p><p data-block-key="84c2u"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">Unawain kung saan ka makakakuha ng impormasyon tungkol sa mga programa at gawad para sa down payment</a>. <br/><br/><br/></p><hr/><h2 data-block-key="evuaj"><br/><b>Earnest money</b></h2><p data-block-key="10g33">Ang earnest money ay ang depositong ibinabayad ng bumibili ng tirahan upang maipakita ang tapat na hangarin sa pagpirma ng kasunduan sa kontrata para bumili ng tirahan. Hinahawakan ng nagbebenta o ng ikatlong partido ang deposito tulad ng ahente ng real estate o title company. Kung naisapinal o “nai-close” na ang pagbebenta ng tirahan, maaaring ilapat ang earnest money sa mga gastos sa pag-close o sa down payment. Kung mawawakasan ang kontrata para sa mapapahintulutang dahilan, ibabalik ang earnest money sa bumibili ng tirahan. Kung hindi gumanap nang may tapat na hangarin ang bumibili ng tirahan, hindi ibabalik ang earnest money at ibabayad ito sa nagbebenta.</p><p data-block-key="2hsov"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="1944e"><br/><b>Equity</b></h2><p data-block-key="c74m0">Ang equity ay ang kasalukuyang halaga ng iyong ari-arian na binawasan ng halaga ng kasalukuyang mortgage mo rito.</p><p data-block-key="t7lh"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">Alamin kung ano ang loan sa equity ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="a7o80"><br/><span id="escrow">Escrow</span></h2><p data-block-key="b5k4n">Itinatakda ang escrow account ng nagpapautang sa iyo ng mortgage upang bayaran ang ilang gastusing nauugnay sa ari-arian, tulad ng mga buwis sa ari-arian at insurance ng may-ari ng tirahan. Ang bahagi ng iyong buwanang kabayaran ay mapupunta sa account. Kung walang escrow account ang iyong mortgage, direkta mong babayaran ang mga gastusing nauugnay sa ari-arian</p><p data-block-key="10afd">Alamin pa ang tungkol sa kung <a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">paano maaapektuhan ng escrow ang iyong buwanang kabayaran sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6677f"><br/><b>Fannie Mae</b></h2><p data-block-key="l60p">Binibili at ginagarantiya ng Pederal na Pambansang Asosasyon para sa Mortgage (Fannie Mae) ang mga mortgage mula sa mga institusyong nagpapautang bilang pagsusumikap upang madagdagan ang abot-kayang pagpapautang. Ang Fannie Mae ay hindi isang pederal na ahensya. Ito ay isang kumpanyang inisponsor ng pamahalaan sa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).</p><p data-block-key="22b9a"><a href="/owning-a-home/loan-options/conventional-loans/">Alamin pa ang tungkol sa mga conventional loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3uu9s"><br/><b>Singil sa pagpopondo ng FHA (FHA funding fee)</b></h2><p data-block-key="dv8k5">Ang Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay) ay nag-aatas ng singil sa pagpopondo ng FHA at buwanang premium sa insurance (MIP) para sa karamihan sa mga programa para sa tirahan na pang-isahang pamilya. Ang harapang premium para sa insurance sa mortgage na ito ay paminsan-minsang tinatawag na harapang premium para sa insurance sa mortgage (UFMIP).</p><p data-block-key="858l9"><a href="/owning-a-home/loan-options/fha-loans/">Alamin kung tama para sa iyo ang FHA na mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="527kr"><br/><b>FHA loan</b></h2><p data-block-key="6ne39">Ang mga FHA loan ay mga loan na mula sa mga pribadong nagpapautang na pinamamahalaan at naka-insure sa Federal Housing Administration (FHA, Pederal na Pangasiwaan sa Pabahay). Naiiba ang mga FHA loan sa mga conventional loan dahil nagpapahintulot ito ng mas mabababang credit score at down payment na kasing-baba ng 3.5 na porsyento ng kabuuang halaga ng loan. Iba-iba ang maximum na halaga ng loan ayon sa county.</p><p data-block-key="7n9m4"><a href="/owning-a-home/loan-options/fha-loans/">Alamin ang tungkol dito at ang iba pang mortgage loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3jpb5"><br/><b>Mga limit sa FHA mortgage (FHA mortgage limits)</b></h2><p data-block-key="9rfif">Ang mga limit sa FHA mortgage ay mga limit sa halaga ng dolyar para sa mga kuwalipikadong mortgage na mai-insure ng FHA bilang bahagi ng programa nito para sa tirahan na pang-isahang pamilya. Ang mga limit na ito ay nakabatay sa lokasyon at maaaring mabago ang mga ito kada taon.</p><p data-block-key="76j5l"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">Gamitin ang tool ng FHA upang saliksikin ang mga limit sa loan sa iyong county</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. <br/><br/><br/></p><hr/><h2 data-block-key="5ktj3"><br/><b>Finance charge</b></h2><p data-block-key="6ceqq">Ang finance charge ay ang kabuuang halaga ng mga singil sa interes at loan na babayaran mo sa kabuuang buhay ng mortgage loan.</p><p data-block-key="92b1i"><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="ef3pt"><br/><b>Mga programa ng loan para sa mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) (First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="9361h">Maaaring gumamit ang mga bibili ng tirahan sa kauna-unahang pagkakataon (FTHB) ang iba't ibang uri ng programa ng loan para bumili ng kanilang unang tirahan. Kabilang sa mga FTHB loan ang inihahandog ng FHA, VA, USDA, Fannie Mae, at Freddie Mac na may mabababang down payment. Ang ilang programa ay inilalarawan ang FTHB bilang isang taong hindi bumili ng tirahan sa loob ng tatlong taon o higit pa.</p><p data-block-key="b3ov6"><a href="/owning-a-home/loan-options/">Unawain ang iyong mga opsyon sa loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="2mm6j"><br/><b>Mortgage sa hindi nagbabagong antas (Fixed-rate mortgage)</b></h2><p data-block-key="88n45">Ang mortgage sa hindi nagbabagong antas ay isang uri ng loan na kung saan itinakda ang antas ng interes sa kung saan kukuha ka ng loan at hindi ito magbabago sa panahon ng termino ng loan.</p><p data-block-key="cj6i0">Alamin pa ang tungkol sa <a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">kung paano gumagana ang mga mortgage sa hindi nagbabagong antas</a> at kung ano ang isasaalang-alang. <br/><br/><br/></p><hr/><h2 data-block-key="8hfph"><br/><span id="forbearance"></span><b>Forbearance</b></h2><p data-block-key="av4a0">Ang forbearance ay kapat pinahihintulutan ka ng iyong servicer na pansamantalang bayaran ang iyong mortgage sa mas mababang antas o pansamantalang patigilin ang pagbabayad mo sa iyong mortgage. Maaari kang gawaran ng iyong servicer ng forbearance kung, halimbawa, ay nawalan ka ng trabaho kamakailan, nasalanta ka ng sakuna, o kagagaling mo lang sa sakit o pinsala na nakadagdag sa iyong mga gastusin para sa pangangalagang pangkalusugan. Ang forbearance ay isang uri ng <a href="#lossmitigation">mitigasyon sa pagkalugi</a>.</p><p data-block-key="behfi"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">Alamin pa ang tungkol sa mortgage forbearance</a></p><p data-block-key="2enus">Depende sa uri ng loan na mayroon ka, maaaring may iba't ibang opsyon para sa forbearance. Kailangan mong kontakin ang iyong loan servicer para humiling ng forbearance. Tandaan, kakailanganin mong bayaran ang hindi nabayaran o nabawasang kabayaran kapag natapos na ang panahon ng forbearance.</p><p data-block-key="9bnr8">Kung naapektuhan ka ng coronavirus, pumunta dito para sa karagdagang <a href="/coronavirus/mortgage-and-housing-assistance/">impormasyon tungkol sa mga opsyon para sa tulong sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="62av4"><br/><b>Sadyang inilagay na insurance (Force-placed insurance)</b></h2><p data-block-key="b9rug">Maaaring mag-atas ang iyong servicer ng sadyang inilagay na insurance kapag wala kang sarili mong polisa ng insurance o kung hindi natutugunan ng sarili mong polisa ang mga iniaatas ng iyong servicer. Karaniwang pinoprotektahan lamang ng sadyang inilagay na insurance ang nagpapautang, at hindi ikaw. Sisingilin ka ng servicer para sa insurance. Ang sadyang inilagay na insurance ay karaniwang mas mahal kaysa pag maghanap ka mismo ng polisa ng insurance. <br/><br/><br/></p><hr/><h2 data-block-key="8qu3j"><br/><b>Foreclosure</b></h2><p data-block-key="5rg5u">Ang foreclosure ay kapag binawi ng nagpapautang o servicer ang ari-arian pagkatapos hindi makapagbayad ng mortgage ang may-ari ng tirahan. Sa ilang estado, kailangang pumunta sa hukuman ang nagpapautang para i-foreclose ang iyong ari-arian (panghukumang foreclosure), ngunit ang ilang estado ay hindi nangangailangan ng proseso sa hukuman (hindi pang-hukumang foreclosure). Karaniwan, kailangang maabisuhan ang mga humihiram kung sisimulan ng nagpapautang o servicer ang proseso ng foreclosure. Maaaring maangkop ang mga pederal na panuntunan sa kung kailan maaaring magsimula ang foreclosure.</p><p data-block-key="8l9ar">Kung nag-aalala ka tungkol sa foreclosure, <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">alamin kung paano makakahingi ng tulong</a>.</p><p data-block-key="9du21">Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang <a href="/coronavirus/mortgage-and-housing-assistance/">impormasyon tungkol sa mga opsyon para sa tulong sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="e8tbb"><br/><b>Freddie Mac</b></h2><p data-block-key="fglpn">Ang Pederal na Korporasyon para sa Mortgage Loan sa Tirahan (Freddie Mac) ay isang pribadong korporasyon na itinatag ng Kongreso. Misyon nito ang itaguyod ang katatagan at pagiging abot-kaya sa merkado ng pabahay sa pamamagitan ng pagbili ng mga mortgage mula sa mga bangko at iba pang mga gumagawa ng loan. Ang korporasyon ay kasalukuyang nasa ilalim ng pangangasiwa ng Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay).</p><p data-block-key="d9ip5"><a href="/owning-a-home/loan-options/conventional-loans/">Alamin pa ang tungkol sa mga conventional loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="bltu8"><br/><b>Good faith estimate</b></h2><p data-block-key="fo4bl">Ang Good faith estimate (GFE) ay isang form na kailangang ibigay sa iyo ng nagpapautang kapag nag-apply ka para sa isang reverse mortgage. Nililista sa GFE ang pangunahing impormasyon tungkol sa mga tuntunin ng alok na reverse mortgage.</p><p data-block-key="2k0ll">Alamin kung kailan ka tatanggap ng <a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">good faith estimate</a>. <br/><br/><br/></p><hr/><h2 data-block-key="36go3"><br/><b>Mga singil sa pagtatala ng pamahalaan (Government recording charges)</b></h2><p data-block-key="1vlpo">Ang mga singil sa pagtatala ng pamahalaan ay mga singil na sinusuri ng mga ahensya ng estado at lokal na pamahalaan para sa legal na pagtatala ng iyong deed, mortgage at mga dokumentong nauugnay sa loan ng iyong tirahan.</p><p data-block-key="4dlal"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="afh62"><br/><b>Mas mataas na halagang mortgage loan (Higher-priced mortgage loan)</b></h2><p data-block-key="51mn8">Sa pangkalahatan, ang mas mataas na halagang mortgage loan ay isang bagay na may taunang porsyento ng singil, o APR, na mas mataas kaysa sa pamantasang antas na tinatawag na Average Prime Offer Rate.</p><p data-block-key="alg3h"><a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="df9r1"><br/><b>Mga dapat bayaran sa HOA (HOA dues)</b></h2><p data-block-key="2ik81">Kung interesado ka sa pagbili ng condo, co-op o bahay sa isang nakaplanong subdivision o iba pang organisadong komunidad na may magkakasamang ginagamit na serbisyo, madalas na kailangang mong bayaran ang mga singil ng condo o mga dapat bayaran sa Homeowners' Association (HOA, Samahan ng mga May-ari ng Tirahan). Lubos na nagkakaiba-iba ang mga singil na ito. Kadalasang hiwalay sa mga singil ng condo o HOA ang iyong mga buwanang pagbabayad sa mortgage. Kung hindi mo babayaran ang mga singil na ito, maaari kang maharap sa pangongolekta ng utang ng homeowner's association o maging foreclosure.</p><p data-block-key="9nhon"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="ok0"><br/><b>Appraisal sa tirahan (Home appraisal)</b></h2><p data-block-key="3c7a0">Ang appraisal ay isang nakasulat na dokumentong nagpapakita ng opinyon sa kung magkano ang halaga ng isang ari-arian. Ang appraisal ay nagbibigay sa iyo ng magagamit na impormasyon tungkol sa ari-arian. Inilalarawan nito ang kung ano ang nagbibigay ng halaga rito at maaaring ipakita kung paano ito maihahambing sa ibang mga ari-arian sa kapitbahayan. Ang appraisal ay nagbibigay ng independiyenteng pagtatasa ng halaga ng ari-arian</p><p data-block-key="cs2re">Alamin pa ang tungkol sa kung <a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">bakit mahalaga ang mga appraisal</a>. <br/><br/><br/></p><hr/><h2 data-block-key="25k31"><br/><b>Line of credit sa equity ng tirahan (HELOC) (Home equity line of credit (HELOC))</b></h2><p data-block-key="6m6qe">Ang line of credit sa equity ng tirahan (HELOC) ay line of credit na nagpapahintulot sa iyong humiram sa equity ng iyong tirahan. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng mortgage mo rito. Hindi katulad ng loan sa equity ng tirahan, ang mga HELOC ay kadalasang may mga maa-adjust na antas ng interes. Para sa karamihan sa mga HELOC, tatanggap ka ng mga espesyal na tseke o credit card, at makakahiram ka ng pera para sa tinukoy na panahon mula sa kung kailan mo binuksan ang iyong account. Ang panahong ito ay tinatawag na “draw period.” Sa panahon ng “draw period,” maaari kang humiram ng pera, at kailangan mong gumawa ng mga minimum na pagbabayad. Kapag natapos na ang “draw period,” hindi ka na makakahiram ng pera mula sa iyong line of credit. Pagkatapos ng “draw period” maaaring kailanganin mong bayaran nang buo nang isang beses ang iyong balanse o maaari kang mapahintulutang magbayad sa partikular na haba ng panahon. Kung hindi mo mababayaran ang HELOC, maaaring i-foreclose ng nagpapautang ang iyong tirahan. <br/><br/><br/></p><hr/><h2 data-block-key="eu84s"><br/><b>Loan sa equity ng tirahan (Home equity loan)</b></h2><p data-block-key="2dun8">Ang loan sa equity ng tirahan (na paminsan-minsang tinatawag na HEL) ay nagpapahintulot sa iyong humiram ng pera gamit ang equity ng iyong tirahan bilang kolateral. Ang equity ay ang kasalukuyang halaga ng iyong ari-arian, na binawasan ng halaga ng kasalukuyang mortgage mo rito. Matatanggap mo ang kabuuang halaga ng iyong loan sa equity ng tirahan. Ang loan sa equity ng tirahan ay kadalasang may fixed na antas ng interes – iyong hindi magbabago. Kung hindi mo mababayaran ang HEL, maaaring i-foreclose ng nagpapautang ang iyong tirahan. <br/><br/><br/></p><hr/><h2 data-block-key="63q2l"><br/><b>Inspeksyon sa tirahan (Home inspection)</b></h2><p data-block-key="3sehn">Madalas na bahagi ng proseso ng pagbili ng tirahan ang inspeksyon sa tirahan. Karaniwang may karapatan kang kumuha ng inspektor ng tirahan na magsisiyasat sa ari-arian at magtuturo ng mga lakas at kahinaan nito. Madalas na partikular na nakakatulong ito upang masubukan ang mga sistemang estruktural at mekanikal kabilang ang heating, bentilasyon, air conditioning, at elektrikal.</p><p data-block-key="81pkp"><a href="/owning-a-home/close/schedule-home-inspection/">Alamin kung paano mag-iskedyul ng inspeksyon</a>. <br/><br/><br/></p><hr/><h2 data-block-key="1506o"><br/><b>Homeowners’ association (HOA)</b></h2><p data-block-key="827ln">Ang homeowners’ association (HOA, Samahan ng mga May-ari ng Tirahan), ay karaniwang binubuo upang pamahalaan ang mga magkakasamang gastusin tulad ng landscaping at iba pang mga gastos sa pagpapanatili ng isang planadong subdivision o iba pang organisadong komunidad. Mas maraming responsibilidad ang inaako ng mga HOA sa condominium kabilang halimbawa ang, pagpapanatili ng mga driveway, magkakasamang ginagamit na estruktura, at bubong.</p><p data-block-key="1hbli"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Kumuha pa ng karagdagang impormasyon tungkol sa kung paano maaaring makita ang mga HOA sa iyong mortgage statement</a>. <br/><br/><br/></p><hr/><h2 data-block-key="b3gpe"><br/><b>Homeowner's insurance</b></h2><p data-block-key="ftpkq">Binabayaran ng homeowner’s insurance ang mga pagkawala at pagkasira sa ari-arian kung may nangyaring hindi inaasahan, tulad ng sunog o panloloob. Kapag may mortgage ka, gustong matiyak ng nagpapautang sa iyo na protektado ng insurance ang iyong ari-arian. Kung kaya karaniwang nag-aatas ang mga nagpapautang ng katibayang mayroon kang homeowner's insurance. Ang homeowner’s insurance ay hindi katulad ng <a href="#mortgageinsurance">mortgage insurance</a>.</p><p data-block-key="2p3tq"></p><p data-block-key="4ga9h"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="4bk0f"><br/><b>Presyo sa pagbili ng tirahan (Home purchase price)</b></h2><p data-block-key="4a0d9">Ang presyo sa pagbili ng tirahan ay ang halagang pinagkasunduan ng bumibili at nagbebenta na ibabayad sa nagbebenta para mabili ang tirahan.</p><p data-block-key="4c21d"><a href="/owning-a-home/explore/find-right-home/">Alamin pa ang tungkol sa paghahanap ng tamang tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="62huc"><br/><b>HUD</b></h2><p data-block-key="2jj">Ang Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran) ay isang ahensya ng pamahalaan na tumutulong sa mga taong makakuha at makapagpanatili ng dekalidad at abot-kayang tirahan. Nagsasanay at nag-iisponsor sila ng mga tagapayo sa pabahay sa buong bansa. Ang ahensyang nagpapayo sa pabahay na inaprubahan ng HUD ay maaaring magbigay sa iyo ng pagpapayo sa pagbili ng tirahan upang matulungan kang maunawaan at suriin ang iyong mga opsyon.</p><p data-block-key="76t21"><a href="/find-a-housing-counselor/">Maghanap ng ahensyang nagpapayo sa pabahay na inaprubahan ng HUD</a>. <br/><br/><br/></p><hr/><h2 data-block-key="a5kk7"><br/><b>HUD-1 settlement statement</b></h2><p data-block-key="coib1">Nakalista sa HUD-1 Settlement Statement ang lahat ng singil at credit sa bumibili at sa nagbebenta sa isang kasunduan sa real estate, o lahat ng singil sa pag-refinance ng mortgage. Tatanggap ka ng HUD-1 kung nag-apply ka para sa reverse mortgage o kung nag-apply ka para sa mortgage sa o bago sumapit ang Oktubre 3, 2015.</p><p data-block-key="fplob">Alamin kung kailan ka tatanggap ng <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1</a> <br/><br/><br/></p><hr/><h2 data-block-key="85ems"><br/><b>Index</b></h2><p data-block-key="90rl0">Ang index ay ang pamantayang antas ng interes na sumasalamin sa mga pangkalahatang kondisyon sa merkado. Nagbabago ang index batay sa merkado. Sa mga pagbabago sa index, kasama ang margin sa iyong loan, napagpapasyahan ang mga pagbabago sa antas ng interes para sa adjustable-rate mortgage loan.</p><p data-block-key="2sn8j">Unawain kung paano <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">nagiging salik ang index sa antas ng interes para sa adjustable-rate mortgage loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="64gjl"><br/><b>Unang limit sa adjustment (Initial adjustment cap)</b></h2><p data-block-key="d2haq">Ang unang limit sa adjustment ay karaniwang nauugnay sa mga adjustable rate mortgage (mga ARM). Napagpapasyahan sa limit na ito kung gaano maaaring tumaas ang antas ng interes sa unang pagkakataon na mag-a-adjust ito pagkatapos mapasok ang panahong may hindi nagbabagong antas. Karaniwan sa limit na ito ang dalawa o limang porsyento – ibig sabihin, sa unang pagbabago ng antas, ang bagong antas ay hindi maaaring mahigit sa dalawa (o limang) puntos ng porsyento na mas mataas kaysa sa unang antas sa panahong may hindi nagbabagong antas.</p><p data-block-key="aci6l"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="cbf17"><br/><b>Unang deposito sa escrow (Initial escrow deposit)</b></h2><p data-block-key="6qm2c">Ang unang deposito sa escrow ay ang halagang babayaran mo sa closing para masimulan ang iyong escrow account, kung iniaatas ng nagpapautang sa iyo.</p><p data-block-key="72pt7"><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="b5p8p"><br/><b>Loan na interes lamang (Interest-only loan)</b></h2><p data-block-key="6g9io">Ang mortgage na interes lamang ay loan na may naka-iskedyul na pagbabayad kung saan kailangan mong bayaran lamang ang interes para sa itinakdang haba ng panahon.</p><p data-block-key="e48ds"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="et54i"><br/><b>Antas ng interes (Interest rate)</b></h2><p data-block-key="bhumn">Ang antas ng interes sa mortgage loan ay ang halagang binabayaran mo sa bawat taon para humiram ng perang ipinapakita bilang antas ng porsyento. Hindi ito sumasalamin sa mga singil o anumang iba pang mga pataw na maaaring kailangan mong bayaran para sa loan. Halimbawa, kung ang mortgage loan ay $100,000 sa antas ng interes na 4 na porsyento, sumang-ayon ang mamimili na iyon na magbayad ng $4,000 sa bawat taon na siya ay humihiram o may pagkakautang na buong halagang iyon.</p><p data-block-key="8t0ut"><a href="/owning-a-home/explore-rates/">Tuklasin ang mga antas ng interes sa iyong lugar</a>. <br/><br/><br/></p><hr/><h2 data-block-key="bb2af"><br/><b>Limit sa antas ng interes (Interest rate cap)</b></h2><p data-block-key="4hu18">Ang limit sa antas ng interes, na karaniwang tinatawag na annual cap (taunang limit), at ang pinakamataas na pagtaas ng antas ng interes na maaaring mangyari kada taon para sa adjustable rate mortgage (ARM) kahit na tumaas nang mas higit pa ang iyong antas sa ilalim ng mga antas ng interes sa merkado. Halimbawa, kung dalawang porsyento ang limit na ito, ang bagong antas ay hindi maaaring mas mahigit sa dalawang puntos ng porsyento na mas mataas kaysa sa nakaraang antas.</p><p data-block-key="3qv23"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Unawain kung paano ginagamit ng mga nagpapautang ang index at margin para i-adjust ang iyong antas ng interes</a>. <br/><br/><br/></p><hr/><h2 data-block-key="eekst"><br/><b>Jumbo loan</b></h2><p data-block-key="5allo">Sa bawat taon, ang Fannie Mae, Freddie Mac, at ang nagpapatakbo sa mga ito na Federal Housing Finance Agency (FHFA, Pederal na Ahensya ng Pagpipinansya sa Pabahay), ay nagtatakda ng pinakamataas na halaga para sa mga loan na bibilhin nila mula sa mga nagpapautang.</p><p data-block-key="7dd12"><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="apbn3"><br/><b>Lender's title insurance</b></h2><p data-block-key="bkbf9">Pinoprotektahan ng lender's title insurance ang nagpapautang sa iyo laban sa mga problema sa titulo ng iyong ari-arian-tulad ng sa isang taong may legal na paghahabol sa tirahan. Pinoprotektahan lamang ng lender's title insurance ang nagpapautang laban sa mga problema sa titulo. Upang maprotektahan ang iyong sarili, maaaring kailanganin mong bumili ng owner's title insurance.</p><p data-block-key="ct6qn"><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="8t22l"><br/><b>Panghabang-buhay na limit sa adjustment (Lifetime adjustment cap)</b></h2><p data-block-key="iaa0">Ang panghabang-buhay na limit sa adjustment ay karaniwang ginagamit sa mga adjustable rate mortgage (mga ARM). Sa limit na ito napagpapasyahan kung gaano kalaking antas ng interes ang maaaring itaas sa kabuuan, sa loob ng buhay ng loan. Halimbawa, kung limang porsyento ang limit na ito, iyon ay nangangahulugang hindi kailanman magiging limang puntos ng porsyento na mas mataas ang antas kaysa sa unang antas. Ang ilang nagpapautang ay maaaring may naiiba o mas mataas na limit.</p><p data-block-key="dqm8"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Unawain kung paano nagiging salik ang index sa mga adjustable-rate mortgage loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="comnn"><br/><b>Loan assumption</b></h2><p data-block-key="3es5r">Nangyayari ang loan assumption kapag ipagpapatuloy ng bumibili ang pagbabayad sa mortgage ng nagbebenta sa oras na bilhin nila ang tirahan ng nagbebenta. Babayaran ng bumibili ang natitirang pagkakautang na balanse sa mortgage ng nagbebenta, sa ilalim ng mga orihinal na tuntunin ng loan—halimbawa, ang antas ng interes at ang natitirang haba ng panahon ng mortgage. Maaaring makatuwiran ang loan assumption kapag ang mga bagong mortgage ay inaalok sa mas matataas na antas ng interes kaysa sa noong orihinal na kinuha ng nagbebenta ang kanilang mortgage.</p><p data-block-key="5a9dh">Ang natirang halaga sa pagitan ng presyo ng pagbebenta ng tirahan at balanse sa ini-assume na loan ay katumbas ng halaga na kailangang bayaran ng bumibili na mula sa bulsa o sa pamamagitan ng pagkuha ng sarili nilang mortgage loan.</p><p data-block-key="7hkem">Upang ipagpatuloy ang pagbabayad sa mortgage, kailangan ng bumibili ng tirahan na maging kuwalipikado sa loan assumption. Ang pagiging kuwalipikado ay kadalasang batay sa pagrerepaso ng credit at kita ng bumibili, na katulad ng pagiging kuwalipikado sa bagong mortgage.</p><p data-block-key="f0ej7">Maaaring naaangkop din ang loan assumption kapag tumatanggap ka ng titulo sa ari-ariang may mortgage – halimbawa, pagkatapos ng kamatayan o diborsyo.</p><p data-block-key="6oe87"><br/><br/><br/></p><hr/><h2 data-block-key="f6te9"><br/><b>Loan deferment</b></h2><p data-block-key="ae7ut">Ang mga humihiram na nahihirapang bayaran ang mortgage ay karaniwang may karapatang humingi ng tulong sa mortgage servicer. Maaaring sumang-ayon ang servicer sa loan deferment, na nagpapahintulot sa humihiram na maiwasan ang foreclosure sa pamamagitan ng pagpapaliban sa pagbabayad ng mga dapat nang bayarang mortgage. Ang na-defer na halaga ay nakatakdang bayaran kapag ire-refinance o ibebenta ng humihiram ang tirahan, o kung nagtapos na ang mortgage sa iba pang paraan.<br/><br/><br/></p><hr/><h2 data-block-key="8ce04"><br/><b>Tantiya ng loan (Loan estimate)</b></h2><p data-block-key="2aqvd">Ang tantiya ng loan ay tatlong-pahinang form na matatanggap mo pagkatapos mag-apply para sa mortgage.</p><p data-block-key="aaopr"><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="12nlr"><br/><span id="loanmodification"></span><b>Pagbabago sa loan (Loan modification)</b></h2><p data-block-key="17qq3">Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng <a href="#lossmitigation">mitigasyon sa pagkalugi</a>. Maaaring mabawasan sa pagbabagong ito ang buwanang kabayaran mo sa halagang kaya mong bayaran. Maaaring nakapaloob sa mga pagbabago ang pagpapalawig ng bilang ng taon na kailangan mong bayaran ang loan, pagbawas sa antas ng iyong interes, at/o pagbibigay ng forbearance o pagbawas sa balanse ng iyong prinsipal. Kung nag-alok sa iyo ng pagbabago sa loan, siguraduhing alam mo kung paano nito babaguhin ang buwanang babayaran mo at ang kabuuang halaga na magiging pagkakautang mo sa maikling panahon at sa pangmatagalang panahon.</p><p data-block-key="8ev78"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Alamin pa ang tungkol sa pagbabago sa mortgage loan</a></p><p data-block-key="1vkt">Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang <a href="/coronavirus/mortgage-and-housing-assistance/">impormasyon tungkol sa mga opsyon para sa tulong sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="76i07"><br/><b>Ratio ng loan sa halaga (Loan-to-value ratio)</b></h2><p data-block-key="1dust">Ang ratio ng loan sa halaga (LTV) ay ang sukatan sa paghahambing ng halaga ng iyong mortgage sa nai-appraise na halaga ng ari-arian. Mas mababa ang iyong LTV ratio kung mas mataas ang iyong down payment. Maaaring gamitin ng mga nagpapahiram ng mortgage ang LTV sa pagpapasya kung pauutangin ka at pagpapasyahan kung mangangailangan sila ng pribadong mortgage insurance.</p><p data-block-key="9nrkv">Alamin kung <a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">paano nauugnay ang ratio ng loan sa halaga sa mga gastos mo</a>. <br/><br/><br/></p><hr/><h2 data-block-key="b25uk"><span id="lossmitigation"><b>Mitigasyon sa pagkalugi (Loss mitigation)</b></span></h2><p data-block-key="aemn7">Ang mitigasyon sa pagkalugi ay tumutukoy sa mga hakbang na ginagawa ng mga mortgage servicer upang makipagtulungan sa humihiram ng mortgage upang maiwasan ang foreclosure. Ang mitigasyon sa pagkalugi ay tumutukoy sa responsibilidad ng servicer na bawasan o “hindi palalain” ang pagkalugi ng namuhunan na maaaring magmula sa foreclosure. May ilang opsyon sa mitigasyon sa pagkalugi na maaaring makatulong sa iyong manatili sa iyong tirahan. Ang ilang opsyon ay maaaring makatulong sa iyong umalis ng iyong tirahan nang hindi na dumadaan pa sa foreclosure. Maaaring kasama sa mga opsyon ng mitigasyon sa pagkalugi ang <a href="#deed-in-lieu-of-foreclosure">deed-in-lieu ng foreclosure</a>, <a href="#forbearance">forbearance</a>, <a href="#repaymentplan">repayment plan</a>, <a href="#shortsale">short sale</a>, o <a href="#loanmodification">pagbabago sa loan</a>.</p><p data-block-key="ca2au">Kung nahihirapan kang bayaran ang iyong mortgage, o kung inalukan ka at pinag-iisipan mo ang iba't ibang opsyon ng mitigasyon sa pagkalugi, makipag-ugnayan sa ahensya ng pagpapayo na inaprubahan ng Department of Housing and Urban Development (HUD, Kagawaran ng Pabahay at Pagpapaunlad sa Kalunsuran).</p><p data-block-key="2va5u">Maaari mong gamitin ang tool ng CFPB <a href="/find-a-housing-counselor/">“Find a Counselor”</a> (Maghanap ng Tagapayo) para makuha ang listahan ng mga ahensyang nagpapayo sa iyong lugar na inaprubahan ng HUD. Maaari mo ring tawagan ang <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">HOPE™ Hotline</a>, na bukas ng 24 na oras sa isang araw, pitong araw sa isang linggo, sa <a href="tel:(888) 995-4673">(888) 995-HOPE</a> (4673).</p><p data-block-key="94dv">Kung naapektuhan ka ng coronavirus pumunta dito para sa karagdagang <a href="/coronavirus/mortgage-and-housing-assistance/">impormasyon tungkol sa mga opsyon para sa tulong sa mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="6fbgr"><br/><b>Margin</b></h2><p data-block-key="9sct4">Ang margin ay ang bilang ng puntos ng porsyento na idinadagdag sa index ng nagpapautang ng mortgage para itakda ang iyong antas ng interes sa adjustable-rate mortgage (ARM) kapag natapos na ang unang panahon ng antas. Nakatakda ang margin sa kasunduan sa iyong loan at hindi magbabago pagkatapos ng closing. Ang halaga ng margin ay depende sa partikular na nagpapautang at loan.</p><p data-block-key="a56dn">Unawain kung paano <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">nagiging salik ang margin sa adjustable-rate mortgage loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="85npa"><br/><b>Mga buwanang gastos (Monthly expenses)</b></h2><p data-block-key="dtobk">Ito ang kung magkano ang gagastusin mo kada buwan. Maaaring kasama rito ang, ngunit hindi limitado sa, mga nauulit na obligasyon tulad na kabayaran sa upa o mortgage, mga utilidad, kabayaran sa sasakyan, kabayaran sa suporta sa bata, at kabayaran sa insurance, pati na rin ang mga pangangailangang tulad ng pagkain. Karamihan sa mga obligasyong ito ay magkakaroon ng hindi nagbabagong itinakdang petsa ng pagbabayad.</p><p data-block-key="b9bt5"><a href="/owning-a-home/prepare/assess-your-spending/">Suriin ang iyong buwanang paggasta gamit ang tracker sa paggasta na ito</a>. <br/><br/><br/></p><hr/><h2 data-block-key="b4h3c"><br/><b>Mortgage</b></h2><p data-block-key="fj5he">Ang mortgage ay ang kasunduan sa pagitan mo at sa nagpapautang na nagpapahintulot sa iyong humiram ng pera para bilhin o i-refinance ang tirahan at nagbibigay sa nagpapautang ng karapatang kunin ang iyong ari-arian kung hindi mo mababayaran ang perang hiniram mo.</p><p data-block-key="70lrg">Kung kumuha ka na ng mortgage, <a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">alamin pa ang tungkol sa pagbili ng bahay</a>. <br/><br/><br/></p><hr/><h2 data-block-key="75d78"><br/><b>Listahan ng gagawin sa mortgage closing (Mortgage closing checklist)</b></h2><p data-block-key="6l49c">Ang listahan ng gagawin sa mortgage closing ay listahan ng mga hakbang na maaari mong gamitin para paghandaan at matutunan kung ano ang aasahan. Makakatulong ito sa iyong tukuyin ang mga pangunahing itatanong nang maaga nang sa gayon ay makakapag-close ka nang may kumpiyansa.</p><p data-block-key="4fij4"><a href="/owning-a-home/close/">Gamitin ang worksheet na ito para maghanda para sa closing</a>. <br/><br/><br/></p><hr/><h2 data-block-key="3us37"><br/><b>Mga gastos sa mortgage closing (Mortgage closing costs)</b></h2><p data-block-key="bnvlg">Ang mga gastos sa mortgage closing ay lahat ng gastos na babayaran mo sa panahon ng closing. Kabilang dito ang mga singil sa origination, singil sa appraisal, gastos sa credit report, singil sa title insurance, at iba pang mga singil na ipinapataw ng nagpapautang sa iyo o binabayaran bilang bahagi ng transaksyon sa mortgage ng real estate. Kailangang magbigay ang mga nagpapautang ng buod ng mga gastos na ito sa <a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Tantiya ng Loan</a>.</p><p data-block-key="1kbs2"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">Alamin pa ang tungkol sa kung anong mangyayari sa closing</a>. <br/><br/><br/></p><hr/><h2 data-block-key="d9n82"><br/><span id="mortgageinsurance"><b>Mortgage insurance</b></span></h2><p data-block-key="d9s13">Pinoprotektahan ng mortgage insurance ang nagpapautang kung mahuhuli ka sa iyong mga pagbabayad. Karaniwang kailangan ang mortgage insurance kung ang iyong down payment ay mas mababa sa 20 porsyento ng halaga ng ari-arian. Karaniwang kailangan din ang mortgage insurance as mga FHA at USDA loan. Gayunpaman, kung mayroon kang conventional loan at ang iyong down payment ay mas mababa sa 20 porsyento, malamang na magkaroon ka ng Insurance sa Pribadong Mortgage (PMI).</p><p data-block-key="3btj1"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">Unawain kung paano gumagana ang mortgage insurance</a> <br/><br/><br/></p><hr/><h2 data-block-key="5da9e"><br/><b>Pagbabago sa mortgage loan (Mortgage loan modification)</b></h2><p data-block-key="f9vov">Ang pagbabago sa mortgage loan ay ang pagbabago sa mga termino ng iyong loan. Ang pagbabago ay isang uri ng mitigasyon sa pagkalugi.</p><p data-block-key="cvpl8"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="3kd4s"><br/><b>Pag-refinance ng mortgage (Mortgage refinance)</b></h2><p data-block-key="bdqfd">Ang pag-refinance ng mortgage ay kapag kumuha ka ng panibagong loan para mabayaran at mapalitan ang dati mong loan. Ang mga karaniwang dahilan sa pag-refinance ay upang mapababa ang buwanang antas ng interes, mapababa ang kabayaran sa mortgage, at upang humiram ng karagdagang pera. Kapag nagre-refinance ka, karaniwang kailangan mong bayaran ang mga gastos at singil sa closing. Kung nag-refinance ka at nakakuha ng mas mababang buwanang kabayaran, siguraduhing nauunawaan mo kung magkano ang kabawasan mula sa antas ng interes at kung magkano ito dahil magiging mas mahaba ang termino ng iyong loan.</p><ul><li data-block-key="378hb"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_should_i_refinance_handout.pdf"><span class="a-link_text">Dapat ba akong mag-refinance?</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="8jnto"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">Gabay ng Mamimili sa mga Pag-refinance ng Mortgage</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="c7mpm"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf"><span class="a-link_text">Ang Iyong Toolkit sa Loan sa Tirahan</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="e2e1v"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf"><span class="a-link_text">Handbook ng Mamimili Tungkol sa mga Adjustable-Rate Mortgage</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> <br/><br/><br/></li></ul><hr/><h2 data-block-key="f546q"><br/><b>Termino ng mortgage (Mortgage term)</b></h2><p data-block-key="2d5db">Ang termino ng iyong mortgage loan ay kung gaano katagal mo kailangang bayaran ang loan. Para sa karamihan sa mga uri ng tirahan, ang mga termino ng mortgage ay karaniwang nasa 15, 20 o 30 taon.</p><p data-block-key="brak1"><a href="/owning-a-home/loan-options/">Tuklasin ang mga opsyon sa termino ng loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="96mjg"><br/><b>Origination fee</b></h2><p data-block-key="adagu">Ang origination fee ay ang sinisingil ng nagpapautang sa humihiram sa paggawa ng mortgage loan. Maaaring kasama sa origination fee ang pagpoproseso ng aplikasyon, underwriting at pagpopondo ng loan, at iba pang mga pang-administratibong serbisyo. Karaniwang tataas lamang ang mga origination fee sa mga partikular na pagkakataon.</p><p data-block-key="3mo4n">Alamin pa ang tungkol sa <a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">mga gastos sa mortgage origination</a>. <br/><br/><br/></p><hr/><h2 data-block-key="14tm1"><br/><b>Owner's title insurance</b></h2><p data-block-key="dcg1g">Ang owner's title insurance ay nagbibigay ng proteksyon sa may-ari ng tirahan kung may nagdemanda at nagsabing may habol sila sa tirahan mula sa bago ito binili ng may-ari ng tirahan.</p><p data-block-key="98spo"><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="2760t"><br/><b>Pagpipinansya ng PACE (Pace financing)</b></h2><p data-block-key="cen47">Ang pagpipinansya ng PACE ay nagbibigay ng paraan para mapondohan ang mga pagpapabuti sa tirahan na makakatipid sa enerhiya.</p><p data-block-key="3bfb6"><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="aibhh"><br/><b>Partial claim</b></h2><p data-block-key="6dhho">Ang partial claim ay isang paraan ng paggamit ng mortgage insurance upang matulungan ang nahihirapang may-ari ng tirahan na maiwasan ang foreclosure. Gagawa ng claim ang mortgage servicer laban sa mortgage insurance para sa halaga ng anumang hindi nabayarang mortgage, at magsasantabi ang insurer ng pera sa hiwalay na account. Pagkatapos, kapag ang humihiram ay ire-refinance ng mortgage, ibebenta ang tirahan, o kaya ay wawakasan ang mortgage, ang halaga ng partial claim ay ibabayad sa mortgage servicer. Paminsan-minsan, hindi sakop ng halaga ng partial claim ang buong halaga ng mga hindi nabayaran, at sa mga kasong iyon, kailangang bayaran ng humihiram ang natirang halaga.<br/><br/><br/></p><hr/><h2 data-block-key="3vocj"><br/><b>Halaga ng kabayaran (Payoff amount)</b></h2><p data-block-key="cqdhg">Ang halaga ng iyong kabayaran ay kung magkano ang talagang dapat mong bayaran para matupad ang mga termino ng iyong mortgage loan at mabayaran nang buo ang utang mo. Ang halaga ng iyong kabayaran ay naiiba sa kasalukuyang balanse mo. Ang kasalukuyang balanse mo ay maaaring hindi sumalamin sa kung magkano ang talagang dapat mong bayaran upang ganap na tuparin ang loan. Kabilang din sa halaga ng iyong kabayaran ang kabayaran sa anumang interes na pagkakautang mo hanggang sa araw na nilalayon mong bayaran nang buo ang iyong loan. Maaaring kasama rin sa halaga ng kabayaran ang ibang mga singil na naipon mo at hindi pa nababayaran. <br/><br/><br/></p><hr/><h2 data-block-key="ciaq7"><br/><b>Mga PCS order (PCS orders)</b></h2><p data-block-key="1tmvf">Ang mga active duty servicemember ay maaaring mabigyan ng mga permanent change of station (PCS, permanenteng pagbabago ng istasyon) order. Ang mga PCS order ay ang opisyal na paglipat ng servicemember (at ng sinumang kapamilyang kasama nila sa tirahan) sa ibang lokasyon ng tungkulin. Kung may pag-aaring tirahan ang servicemember, maaari nilang piliing ibenta ito. Kung mas malaki ang pagkakautang ng servicemember sa tirahan kaysa sa halaga ng tirahan, maaari silang mahirapang ibenta ito. Naghahandog ng mga programa ang ilang servicer para pahintulutan ang mga servicemember na ibenta ang kanilang tirahan at hindi na kailangan pang bayaran ang natitirang balanse sa loan. Bisitahin ang <a href="/consumer-tools/military-financial-lifecycle/">mga sanggunian ng servicemember</a> para sa karagdagang impormasyon. <br/><br/><br/></p><hr/><h2 data-block-key="4fok8"><br/><b>PITI</b></h2><p data-block-key="720dg">Ang Principal, Interes, Taxes (Mga Buwis), at Insurance, na kilala bilang PITI, ay ang apat na pangunahing elemento ng buwanang kabayaran sa mortgage.</p><p data-block-key="23lm2"><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="44d91"><br/><b>PMI</b></h2><p data-block-key="an0rb">Ang Insurance sa Pribadong Mortgage (PMI) ay isang uri ng insurance sa mortgage na kapaki-pakinabang sa nagpapautang. Maaaring kailanganin mong bayaran ang PMI kung ang down payment mo ay mas mababa sa 20 porsyento ng halaga ng ari-arian at mayroon kang conventional loan. Maaari mong makansela ang PMI sa oras na makabuo ka ng partikular na halaga ng equity sa iyong tirahan.</p><p data-block-key="9150p"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="/ask-cfpb/what-is-private-mortgage-insurance-en-122/">Unawain pa ang tungkol sa kung kailan kailangan ang PMI</a> <br/><br/><br/></p><hr/><h2 data-block-key="dlgbn"><br/><b>Mga paunang binayarang singil na interes (Prepaid interest charges)</b></h2><p data-block-key="abgco">Ang mga paunang binayarang singil na interes ay mga singil na dapat bayaran sa panahon ng closing para sa anumang pang-araw-araw na interes na naipon sa iyong loan sa pagitan ng petsa ng pag-close mo sa iyong mortgage loan at sa panahong sakop ng una mong buwanang kabayaran sa mortgage.</p><p data-block-key="dcolm"><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="d2v93"><br/><b>Prepayment penalty</b></h2><p data-block-key="bcqai">Ang prepayment penalty ay singil na ipinapataw ng ilang nagpapautang kung babayaran mo ang lahat o bahagi ng iyong mortgage nang maaga. Kung mayroon kang prepayment penalty, ang ibig sabihin ay sumang-ayon ka rito noong nai-close mo ang iyong tirahan. Hindi lahat ng mortgage ay may prepayment penalty. <br/><br/><br/></p><hr/><h2 data-block-key="3d0pu"><br/><b>Principal</b></h2><p data-block-key="606b6">Ang principal ay ang halaga ng mortgage loan na kailangan mong bayaran. Kasama sa iyong buwanang kabayaran ang bahagi ng principal. Kapag binayaran ang principal, nababawasan ang pagkakautang ng humihiram, at magbabayad ng mas mababang interes batay sa mas bumabang loan.</p><p data-block-key="25v89"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">Unawain ang pagkakaiba sa pagitan ng antas ng interes at principal</a>. <br/><br/><br/></p><hr/><h2 data-block-key="f7b9v"><br/><b>Mga buwis sa ari-arian (Property taxes)</b></h2><p data-block-key="c242a">Ang mga buwis sa ari-arian ay mga buwis na sinisingil ng mga lokal na hurisdiksyon, karaniwan sa antas na pang-county, batay sa halaga ng ari-arian na binubuwisan. Kadalasan, kinokolekta ang mga buwis sa ari-arian sa loob ng buwanang kabayaran sa mortgage ng may-ari ng tirahan, at pagkatapos ay ibinabayad sa nauukol na hurisdiksyon nang isa o maraming beses sa bawat taon. Ang tawag dito ay escrow account. Kung walang escrow account, direktang babayaran ng may-ari ng tirahan ang mga buwis sa ari-arian.</p><p data-block-key="dggor"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="9v63m"><br/><b>Kuwalipikadong mortgage (Qualified mortgage)</b></h2><p data-block-key="a9o81">Ang kuwalipikadong mortgage ay kategorya ng mga loan na may mga partikular at mas matatag na katangian na nakakatulong upang gawin itong mas malamang na kaya mong bayaran ang iyong loan. <a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="868o2"><br/><b>Qualified written request (QWR) (Qualified Written Request (QWR))</b></h2><p data-block-key="41mrs">Ang Qualified written request (Kuwalipikadong Nakasulat na Kahilingan), o QWR, ay nakasulat na komunikasyon na maaari mong ipadala o ng isang taong kumikilos sa ngalan mo sa iyong mortgage servicer. Sa halip na QWR, maaari mo ring padalhan ang iyong servicer ng Notice of Error (Paunawa ng Pagkakamali) o Request for Information (Kahilingan para sa Impormasyon).</p><p data-block-key="e419c"><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="b6mtu"><br/><span id="repaymentplan"></span><b>Repayment plan</b></h2><p data-block-key="dfvmp">Ang repayment plan ay naka-estrukturang paraan para mabayaran mo ang mga hindi mo nabayarang mortgage loan sa loob ng partikular na haba ng panahon. Ito ay isang uri ng <a href="#lossmitigation">mitigasyon sa pagkalugi</a>. Kung nahihirapan kang bayaran ang iyong mortgage, maaari kang pahintulutan ng nagpapautang sa iyo o ng iyong servicer na <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">pumasok sa isang repayment plan</a>. Bago pasukin ang repayment plan, siguraduhing nauunawaan mo ang mga iniaatas sa plan at kung makakapagbigay ka ng mga bagong kabayaran. <br/><br/><br/></p><hr/><h2 data-block-key="5nfgg"><br/><b>Reverse mortgage</b></h2><p data-block-key="5sej6">Ang reverse mortgage ay nagpapahintulot sa mga may-ari ng tirahan na nasa edad na 62 o mas matanda pa na humiram sa kanilang home equity. Tinatawag itong “reverse” (“baligtad”) na mortgage dahil, sa halip na magbayad sa nagpapautang, tumatanggap ka ng pera mula sa nagpapautang. Ang perang natatanggap mo, at ang interes na ipinataw sa loan, ay nagpapataas sa balanse ng loan sa bawat buwan. Karamihan sa mga reverse mortgage ngayon ay tinatawag na mga HECM, maikling salita para sa Home Equity Conversion Mortgage (Mortgage sa Pagpapalit ng Equity ng Tirahan).</p><p data-block-key="9d04t">Alamin kung ano ang dapat mong <a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/">isaalang-alang bago mag-apply para sa reverse mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="8lt3r"><br/><b>Right of rescission</b></h2><p data-block-key="auf33">Ang right of rescission ay tumutukoy sa karapatan ng mamimili na kanselahin ang mga partikular na uri ng mga loan. Kung bumibili ka ng tirahan na may mortgage, wala kang karapatang kanselahin ang loan sa oras na mapirmahan ang mga dokumentong pang-closing. Gayunpaman, kung magre-refinance ka ng mortgage, mayroon kang hanggang hatinggabi ng ikatlong araw ng negosyo pagkatapos ng transaksyon na bawiin (kanselahin) ang kontrata ng mortgage. Ang tatlong-araw na panahon ay hindi magsisimula hanggang sa mapirmahan mo ang credit sa kontrata (karaniwang tinatawag na promissory note), natanggap mo ang form ng <a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/">pagsisiwalat na Katotohanan sa Pagpapautang</a>, at natanggap mo ang dalawang kopya ng paunawang nagpapaliwanag ng iyong karapatang magkansela. <br/><br/><br/></p><hr/><h2 data-block-key="3ujjs"><br/><b>Pangalawang mortgage (Second mortgage)</b></h2><p data-block-key="dq0i0">Ang pangalawang mortgage o junior lien ay loan na kinukuha mo gamit ang iyong tirahan bilang kolateral habang mayroon ka pang isang loan na kinuha sa iyong tirahan.</p><p data-block-key="23nvu"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">Alamin pa ang tungkol sa mga pangalawang mortgage</a>. <br/><br/><br/></p><hr/><h2 data-block-key="bpnnu"><br/><b>Security interest</b></h2><p data-block-key="59l6k">Security interest ang nagpapahintulot sa nagpapautang na mag-foreclose kung hindi mo babayaran ang perang hiniram mo.</p><p data-block-key="jhml"><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="envof"><br/><b>Seller financing</b></h2><p data-block-key="8lgae">Ang seller financing ay ang loan na ginagawa ng nagbebenta sa iyong tirahan para sa iyo.</p><p data-block-key="e7e43"><a>Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="2sb1d"><br/><b>Servicer</b></h2><p data-block-key="cf9h0">Ang iyong mortgage servicer ay ang kumpanyang nagpapadala sa iyo ng iyong mga mortgage statement. Pinangangasiwaan din ng iyong servicer ang mga pang-araw-araw na takdang gawain ng pamamahala sa iyong loan.</p><p data-block-key="1r971">Ang iyong loan servicer ang karaniwang nagpoproseso ng iyong mga kabayaran sa loan, sumasagot sa mga tanong ng humihiram, sumusubaybay sa binayarang principal at interes, at namamahala sa iyong <a href="#escrow">escrow account</a> (kung mayroon ka nito). Maaaring simulan ng loan servicer ang foreclosure sa ilalim ng mga partikular na kalagayan. Ang iyong servicer ay maaari o maaaring hindi ang parehong kumpanyang unang nagbigay sa iyo ng iyong loan. <br/><br/><br/></p><hr/><h2 data-block-key="4vi3c"><br/><b>Shared appreciation mortgage</b></h2><p data-block-key="b09d9">Sa ilalim ng shared appreciation mortgage, sumasang-ayon ka na bigyan ang nagpapautang sa iyo ng bahagi ng anumang pagtaas sa halaga ng iyong tirahan.</p><p data-block-key="afqsk"><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="9rv4"><br/><span id="shortsale"></span><b>Short sale</b></h2><p data-block-key="1d3dm">Ang short sale ay ang pagbebenta ng iyong tirahan sa mas mababang halaga kumpara sa kung magkano ang pagkakautang mo sa mortgage. Ang short sale ay isang alternatibo sa foreclosure, ngunit dahil isa itong pagbebenta, kakailanganin mong umalis ng iyong tirahan. Kung sumang-ayon ang nagpapautang sa iyo o ang iyong servicer sa short sale, maaari mong ibenta ang iyong tirahan para mabayaran ang mortgage, kahit na ang presyo sa pagbebenta o ang mga kita ay naging mas mababa kaysa sa natitirang balanse ng iyong mortgage. Ang short sale ay isang uri ng <a href="#lossmitigation">mitigasyon sa pagkalugi</a>. Kung nakatira ka sa isang estado kung saan responsable ka sa anumang kakulangan, na siyang resulta ng pagbawas ng halagang pagkakautang mo pa rin sa iyong mortgage loan mula sa halaga ng iyong ari-arian, kakailanganin mong hilingin sa nagpapautang sa iyo na i-waive ang kakulangan. Kung nai-waive ng nagpapautang ang kakulangan, kunin ang waiver na ito sa paraang nakasulat at itabi para sa iyong mga rekord. <br/><br/><br/></p><hr/><h2 data-block-key="aci5r"><br/><b>Subprime mortgage</b></h2><p data-block-key="45ea4">Kapag ginagamit ng mga nagpapautang ang terminong ito, karaniwan ang ibig sabihin nila ay programa ng loan para sa mga humihiram na hindi kuwalipikado sa prime loan, na kadalasang may mas mataas na antas ng interes.</p><p data-block-key="3o628"><a href="/owning-a-home/">Alamin pa ang tungkol sa proseso ng pagbili ng tirahan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="8hecs"><br/><b>Survey</b></h2><p data-block-key="5pkdg">Ang survey ay ang pagkakaguhit sa iyong ari-arian na nagpapakita ng lokasyon ng lote, bahay at iba pang mga estruktura, pati na rin ang anumang mga pagpapabuti sa ari-arian.</p><p data-block-key="9lhhr"><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">Magbasa nang higit pa (sa Ingles)</a></p><p data-block-key="1hdb9"><br/><br/><br/></p><hr/><h2 data-block-key="e3trl"><br/><b>Mga title service fee (Title service fees)</b></h2><p data-block-key="7u4ff">Ang mga title service fee ay bahagi ng mga gastos sa closing na binabayaran mo kapag kumukuha ng mortgage. Kapag bumili ka ng tirahan, makakatanggap ka ng isang dokumentong madalas na tinatawag na isang deed, na nagpapakita na inilipat sa iyo ng nagbebenta ang kanilang legal na karapatan sa pagmamay-ari, o “title” (“titulo”) sa bahay. Ang mga title service fee ay mga gastos na nauugnay sa pag-iisyu ng title insurance policy (polisa ng seguro sa titulo) para sa nagpapautang.</p><p data-block-key="83at4"><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="eoe4v"><br/><b>Kabuuang porsyento ng interes (TIP) (Total interest percentage (TIP))</b></h2><p data-block-key="eanf0">Ang Kabuuang Porsyento ng Interes (TIP) ay pagsisiwalat na nagsasabi sa iyo kung magkanong interes ang babayaran mo sa kabuuang buhay ng iyong mortgage loan.</p><p data-block-key="4nfvq"><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="7aein"><br/><b>Kabuuan ng mga kabayaran (Total of payments)</b></h2><p data-block-key="bc25u">Ang bilang na ito ang nagsasabi sa iyo ng kabuuang halaga ng perang mababayaran mo sa loob ng buhay ng iyong mortgage.</p><p data-block-key="7gh4t"><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="6nsik"><br/><b>TRID</b></h2><p data-block-key="deb1u">Ang “TRID” ay isang akronima na ginagamit ng ilang indibidwal na tumutukoy sa patakarang <b>T</b>ILA <b>R</b>ESPA <b>I</b>ntegrated <b>D</b>isclosure (Pinagsamang Pagsisiwalat).</p><p data-block-key="83b4b"><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">Magbasa nang higit pa (sa Ingles)</a> <br/><br/><br/></p><hr/><h2 data-block-key="4koc7"><br/><b>USDA loan</b></h2><p data-block-key="cr4qd">Ang Rural Housing Service (Serbisyo ng Pabahay sa Lalawigan), na bahagi ng U.S. Department of Agriculture (USDA, Kagawaran ng Agrikultura ng U.S.) ay naghahadog ng mga programa ng mortgage na walang down payment at karaniwang may mga paborableng antas ng interes sa mga bumibili ng tirahan sa mga lalawigan na tumutugon sa mga iniaatas ng USDA pagdating sa pagiging karapat-dapat sa kita.</p><p data-block-key="al6ki"><a href="/owning-a-home/loan-options/special-loan-programs/">Alamin pa ang tungkol dito at sa iba pang mga programa ng loan</a>. <br/><br/><br/></p><hr/><h2 data-block-key="bnv5i"><br/><b>VA loan</b></h2><p data-block-key="d0ipm">Ang VA loan ay isang programa ng loan na inihahandog ng Department of Veterans Affairs (VA, Kagawaran para sa mga Kapakanan ng mga Beterano) upang tulungan ang mga servicemember, beterano, at karapat-dapat na naulilang asawa na bumili ng tirahan. Hindi gumagawa ng loan ang VA, ngunit nagtatakda ito ng mga patakaran para sa kung sino ang maaaring maging kuwalipikado at ng mga tuntunin sa mortgage. Ginagarantiya ng VA ang bahagi ng loan upang mabawasan ang panganib ng pagkalugi sa nagpapautang. Karaniwang makukuha lamang ang mga loan para sa pangunahing tirahan.</p><p data-block-key="7pk02">Kung ikaw ay isang beterano, alamin kung <a>tama para sa iyo ang VA loan</a>.<br/><br/></p>
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diff --git a/www.consumerfinance.gov/language/tl/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/tl/shopping-for-a-mortgage/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1486 @@
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Resources for Helping Others
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Notices and Opportunities to Comment
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+    >
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+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+                aria-label="Enforcement"
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+    >
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
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+        Compliance
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
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+                    CFPB in Tagalog
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top block__padded-bottom block__border-bottom">
+    <div class="eyebrow">Shopping for a mortgage (in Tagalog)</div>
+<h1>Paghahanap ng tamang mortgage</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">Ang paghahanap ng tamang mortgage ay nangangailangan ng oras at enerhiya. Ngunit dito ka makakatipid ng libu-libong dolyar. Gawing mong layunin ang paghahambing ng hindi bababa sa tatlong alok na loan mula sa iba't ibang lender.</p>
+    </div>
+    <p data-block-key="esvw1"><b>Sa pahinang</b> <b>ito:</b></p><ul><li data-block-key="cfhhh"><a href="#preapproval">Kumuha ng hindi bababa sa tatlong pre-approval (paunang pag-apruba)</a></li><li data-block-key="dtcpb"><a href="#shop">Maghanap ng tamang termino ng loan, istraktura ng interest rate, at programa</a></li><li data-block-key="8b22k"><a href="#loanprogram">Programa ng loan: Conventional, FHA, VA, o espesyal na programa</a></li><li data-block-key="60poe"><a href="#compareoffers">Paghambingin ang mga alok na loan</a></li><li data-block-key="70tbb"><a href="#betterdeal">Humingi ng mas magandang deal</a></li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8"><b><span id="preapproval"></span>Kumuha ng hindi bababa sa tatlong pre-approval (paunang pag-apruba)</b></h2><p data-block-key="4ef2m">Ang Internet at ang mga pahayagan ay isang magandang lugar para simulan ang paghahanap ng mga mortgage lender. Makipag-ugnayan sa mga bangko, credit union, at organisasyon na maaaring may espesyalisasyon sa iyong sitwasyon—tulad ng mga bibili ng bahay sa unang pagkakataon, beterano, manggagawa ng pampublikong serbisyo, o iba pa.</p><p data-block-key="ccs6f">Humingi ng hindi bababa sa tatlong magkakaibang lender para sa “preapproval” (“paunang pag-apruba”). Ito ay nangangahulugan na titingnan ng lender ang iyong kalagayang pinansyal, kabilang ang iyong credit report, at mga tantiya ng kung magkano ang puwede mong hiramin at kung magkanong interes ang malamang na babayaran mo.</p><p data-block-key="98tkv">Ang preapproval ay nagpapahintulot sa iyong subukan ang bawat lender upang makita kung anong uri ng mga loan at presyo ang inaalok nito. Kapag nakuha mo ang lahat ng tatlong preapproval sa loob ng maikling panahon, hindi ito dapat magkaroon ng malaking epekto sa iyong credit score.</p><p data-block-key="8hvkv">Babalikan mo ang mga lender na ito kapag nakagawa ka na ng ilang desisyon, at hihiling ka ng mga alok na loan.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>Maghanap ng tamang termino ng loan, istraktura ng interest rate, at programa</h2><h3 data-block-key="d5cm2">Termino ng loan: Mas mahaba o mas maikli</h3><p data-block-key="aamkv">Sa pangkalahatan, mas malaki ang halaga ng mas mahabang termino ng loan sa kabuuan ng buhay ng loan. Ngunit karaniwang mas mababa ang iyong mga buwanang pagbabayad. Maaari kang makipag-areglo sa ibang termino ng loan sa iyong lender, tulad ng 20 taon, 7 taon, o kahit mas mahaba sa 30 taon.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30-taon
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Ipakita">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ikubli">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">Pinipili ng karamihan ng mga bumibili ng bahay ang 30-taong loan dahil maaaring mababa ang mga pagbabayad.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15-taon
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Ipakita">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ikubli">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="qxmof">Karaniwang mas mataas ang mga pagbabayad kaysa sa 30-taong loan, ngunit mababayaran ang iyong loan sa loob ng 15 taon at maaaring mas mababa ang kabuuang halaga ng loan.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="istraktura-ng-interest-rate-ng-loan-fixed-rate-hindi-nagbabagong-antas-o-adjustable-rate-nagbabagong-antas">
+    <h3>Istraktura ng interest rate ng loan: Fixed rate (hindi nagbabagong antas) o adjustable rate (nagbabagong antas)</h3>
+        <p><p data-block-key="p8a4t">Karaniwan ang mga loan na may fixed-rate. Ang una mong pagbabayad ay maaaring mas mababa sa loan na may adjustable rate, ngunit kung tumaas ang mga interes rate, maaari kang maharap sa biglaang pagtaas ng mga pagbabayad.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            Mortgage na may fixed-rate
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Ipakita">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ikubli">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="qxmof">Mananatiling hindi magbabago ang iyong interes rate at buwanang pagbabayad para sa buong buhay ng iyong loan.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            Adjustable-rate mortgage (ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Ipakita">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ikubli">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="qxmof">Karaniwang hindi nagbabago ang iyong interest rate sa unang ilang taon ng loan. Sa oras na magtapos ang panahon ng hindi pagbabago, magbabago ang rate sa mga regular na interbal batay sa isang “index.” Ang index ay karaniwang sukatan ng mga interest rate, at sumasalamin ito sa mga kalakaran sa pangkalahatang ekonomiya. Ito ay nangangahulugang maaaring tumaas o bumaba ang halaga ng iyong pagbabayad. Ang mga detalye ay nakapaloob sa Tantiya ng Loan na matatanggap mo sa lender.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="lqusk"><b><span id="loanprogram"></span>Programa ng loan: Conventional, FHA, VA, o espesyal na programa</b></h2><p data-block-key="cjssa">May maraming programa ng loan, at ang ilan ay itinakda upang tumulong na gawing makukuha ang mga mortgage ng mga tao sa ilang kalagayan o grupo.</p><h3 data-block-key="9cf3a">Magbabayad ng 5% down payment o higit pa?</h3><p data-block-key="a5vl8">Magtanong tungkol sa karapat-dapat na loan ng Fannie Mae o Freddie Mac na karaniwang tinatawag na “conventional” loan.</p><h3 data-block-key="13up0">Magbabayad ng maliit na down payment?</h3><p data-block-key="63c2f">Magtanong tungkol sa loan na binibigyan ng seguro ng FHA.</p><h3 data-block-key="h68s">Servicemember o beterano?</h3><p data-block-key="cn391">Magtanong tungkol sa loan na binibigyan ng garantiya ng VA.</p><h3 data-block-key="8ns1m">Bibili ng bahay sa kanayunan?</h3><p data-block-key="dp6ff">Magtanong tungkol sa loan na iniisponsor ng USDA.</p><h3 data-block-key="fpe7n">Bibili ng bahay sa unang pagkakataon na may mababa o katamtamang kita?</h3><p data-block-key="8m9gr">Magtanong tungkol sa mga loan na makukuha sa pamamagitan ng ahensya ng estado na nagpipinansya sa pabahay.</p><h2 data-block-key="978cb"><b><span id="compareoffers"></span>Paghambingin ang mga alok na loan</b></h2><p data-block-key="fe4i8">Ngayon naman ay oras na para simulan ang opisyal na proseso ng aplikasyon. Humingi sa iyong mga lender ng mga alok na loan na sumasalamin sa mga gusto mo pagdating sa uri ng loan, programa, at termino. Sa gayon, maipaghahambing mo ang magkakaparehong uri.</p><p data-block-key="1eq8c"><b>Una, paghambingin ang mga pangunahing bahagi ng loan:</b></p><ul><li data-block-key="i3l9">Ano ang termino ng loan?</li><li data-block-key="4gt6n">Ano ang interest rate?</li><li data-block-key="8jidd">Sa magkanong down payment nakabatay ang loan?</li><li data-block-key="5j04b">Magkano ang buwanang pagbabayad?</li><li data-block-key="4ai8p">Para sa mga adjustable-rate mortgage, may limitasyon ba sa mga pagbabago sa kabayaran at interest rate? Bababa ba ang interest rate kung bumaba ang mga interest rate sa merkado?</li></ul><p data-block-key="1pet6"><b>Sumunod, paghambingin ang mga natitirang detalye na makakaapekto sa iyong gastos:</b></p><ul><li data-block-key="cfl4">Sa aking mga pagbabayad, kailan lubusang mababayaran ang principal?</li><li data-block-key="fr0kb">Magbabago ba ang mga pagbabayad sa kabuuan ng buhay ng loan? Gaano kataas ang aking magiging pagbabayad?</li><li data-block-key="bsiqq">Kasama ba sa aking pagbabayad ang mga buwis sa ari-arian at insurance? Kung hindi, mababayaran ko ba ang mga iyon nang hiwalay?</li><li data-block-key="58gjb">Anong mga gastos at singil ang idadagdag sa una kong pagbabayad? Sa patuloy kong pagbabayad?</li><li data-block-key="dse0o">Kailangan ko bang magbayad ng points (paunang singil upang mabawasan ang interest rate)?</li><li data-block-key="4iug1">Anong mga singil at gastos ang kasama sa halagang hinihiram ko (karaniwan para sa loan na “walang closing cost”)?</li><li data-block-key="f0dbe">Tumutugma ba ang nakasulat na alok sa kung ano ang sinabi sa akin tungkol sa loan?</li><li data-block-key="7pbv1">Makakakuha ba ako ng mas magandang deal sa mga serbisyo ng kasunduan mula sa ibang tagapagkaloob ng serbisyo?</li><li data-block-key="9c8qu">Maaari ko bang bayaran ang loan nang maaga, o magbigay ng mas malaki pa sa mga naka-iskedyul na pagbabayad, nang walang multa?</li></ul><h2 data-block-key="73hij"><b><span id="betterdeal">Humingi ng mas magandang alok</span></b></h2><p data-block-key="84r0p">Sa oras na makita mo ang mga alok mula sa ilang lender, itanong kung makakapagbigay sila ng mas maganda. Karaniwan ang pakikipag-areglo, at walang masama sa pagtatanong. Maaaring ipagpaliban o bawasan ng lender ang isa o higit pa sa mga singil, o babaan ang interest rates o points.</p><p data-block-key="9tg74">Siguraduhing hindi ibinababa ng lender ang isang singil ang itinataas ang isa pa, o ibinababa ang iyong interest rate habang itinataas ang iyong points.</p>
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diff --git a/www.consumerfinance.gov/language/tl/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/tl/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..84a9be021506
--- /dev/null
+++ b/www.consumerfinance.gov/language/tl/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1468 @@
+<!DOCTYPE html>
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+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+       >
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+                        Featured
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+    <div class="eyebrow">Shopping for your auto loan (in Tagalog)</div>
+<h1>Pamimili para sa iyong utang sa auto</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
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+                </a>
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+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Bagaman kumplikado, tulad ng iba pang uri ng pamimili, ang pagtitingin sa utang at pagsisikap na makakuha ng pinakamabababang antas at iba pang tadhana. Maghahanda sa iyo ang pagtitingin nang mas maaga sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang proseso.</p>
+    </div>
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+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Maghanda bago mag-apply para sa utang sa auto</h2><p data-block-key="9rgc7">Nasa mas mahusay kang posisyon para mamili at makipagtawaran para sa utang sa auto kung susundin mo ang mga hakbang na ito bago ka mag-apply para sa utang.</p><h3 data-block-key="16i7v">Suriin ang iyong credit report</h3><p data-block-key="3tlbu">Tinutukoy ng impormasyon sa iyong credit report ang mga credit score mo. Malaki ang bahagi ng iyong credit score sa pagtukoy kung anong uri ng utang sa auto ang maaari mong makuha, at kung magkano ang interes na babayaran mo para sa utang. Narito ang ilang kapaki-pakinabang na mga mapagkukunan:</p><ul><li data-block-key="7nono">Upang makakuha ng libreng kopya ng iyong taunang credit report mula sa bawat isa sa tatlong ahensya sa pag-uulat ng credit, bumisita sa <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="6f324">Upang matutunan kung paano suriin ang iyong credit report kung may mga kamalian at pagtutol sa anumang kamalian na iyong nakita, bumisita sa <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="f94ct">Upang matutunan ang tungkol sa mga credit report at credit score, bumisita sa <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">Kailangan mo ba ng co-signer?</h3><p data-block-key="1180j">Ang co-signer ay isang tao – gaya ng magulang, myembro ng pamilya, o kaibigan – na obligado ayon sa kontrata, katulad mo, na bayaran ang loan. Kung limitado ang iyong credit history o kailangang pagandahin, at mayroon kang mababang credit score (o walang credit score), maaaring bumaba ang antas ng iyong interes kung mayroon kang co-signer na may maganda o mahusay na credit. Dahil doon, pagtitiwalaan ng nagpapautang ang credit history at score ng co-signer sa pagpapasiya sa pagsasagawa ng loan.</p><p data-block-key="2urg1">Kung pinag-iisipan mong magkaroon ng co-signer, dapat na maingat na pag-isipan mo at ng maaaring co-signer mo ang tungkol sa desisyon na ito. Kung hindi mo mababayaran ang iyong loan, may pananagutan ka at ang iyong co-signer sa pagbabayad. May responsibilidad ang co-signer sa loan kahit wala siyang karapatan sa pag-aari ng sasakyan. Bilang karagdagan, ang anumang pagbabayad nang huli sa loan ay makakaapekto sa iyong credit record at score at sa credit record at score ng iyong co-signer. Pinagbabawalan ng pederal na batas sa pangkalahatan ang nagpapautang sa pag-aatas sa iyo na magkaroon ng isang co-signer kung nag-apply ka para sa loan ng mag-isa at kwalipikado ka sa ilalim ng mga pamantayan ng nagpapautang para sa pagiging karapat-dapat sa credit para sa loan. Para sa higit pang impormasyon tungkol sa co-signing, bumisita sa <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Suriin ang kasalukuyang mga antas ng interes ng utang sa auto</h3><p data-block-key="c65uf">Maaari kang magsaliksik ng mga antas sa pamamagitan ng pakikipag-ugnayan sa ilang bangko, credit union, o ibang mga nagpapautang. Maaari ka ring tumingin online sa maraming komersyal na site na maaaring magbigay sa iyo ng pagtantya sa mga antas ng interes sa buong bansa at sa pamamagitan ng iyong zip code. Iuugnay ka ng ilang komersyal na site sa mga ilang nagpapautang at dealer para sa mga pagtatantya, kaya maaaring gugustuhin mong mag-ingat sa paglalagay ng iyong personal na impormasyon.</p><h3 data-block-key="7r4tv">Isaalang-alang ang down payment</h3><p data-block-key="8tnai">Makababawas ang down payment sa kabuuang halaga na iyong finance dahil kailangan mong humiram ng mas kaunting pera. Kung mas malaki ang down payment, mas mababa ang kabuuang halaga ng utang.</p><h3 data-block-key="aqsro">Magpasya kung gusto mong i-trade-in ang kasalukuyan mong sasakyan</h3><p data-block-key="bhh6d">Kung mayroon ka nang sasakyan, saliksikin ang halaga nito upang makita kung magkano ang maaari mong makuha mula sa trade-in o pribadong pagbebenta. Maaari mong tingnan ang tinatayang halaga gamit ang mga online na website pampngangalakal tulad ng Consumer Reports, Edmunds, Kelley Blue Book, NADA Guides, at mga online na anunsyo. Maaaring maaabot din ang mga mapagkukunang ito sa aklatan sa inyong lugar. Makakatulong sa iyo ang paghahanap ng mga halimbawa ng mga katulad na sasakyan na naibenta kamakailan sa inyong lugar na malaman ang patas na presyo.</p><p data-block-key="b70nm">Kapag alam mo ang tinatayang halaga ng kasalukuyan mong sasakyan, maaari kang magpasya kung iti-trade-in o ibebenta mo mismo ito. Kapag na-trade-in mo ito sa isang dealership, pagpapasyahan mo at ng dealer ang halaga na ibabawas sa halaga ng pagbili ng susunod mong sasakyan. Kapag ibinenta mo mismo ito, maaari mong gamitin ang pinagbentahan bilang down payment.</p><h2 data-block-key="cpj5o">Kung mayroon kang kasalukuyang utang sa auto sa iyong trade-in, pag-isipan nang mabuti ang iyong sitwasyon</h2><p data-block-key="3gfra">Maingat na pag-isipan kung kukuha ba ng bagong utang bilang karagdagan sa kasalukuyan mong utang. Narito ang ilang pagsasaalang-alang at hakbang:</p><ul><li data-block-key="131k4">Kunin ang halaga ng kabayaran, na halaga upang mabayaran ang kasalukuyang utang, mula sa kasalukuyan mong nagpapautang bago pumunta sa dealership.</li><li data-block-key="932db">Magpasya kung babayaran mo ang kasalukuyan mong utang ngayon, maghintay hanggang mabayaran mo ang iyong dating utang sa auto bago ka mangutang para sa isa pang sasakyan, o isama ang halaga ng utang mo sa kasalukuyan mong sasakyan sa iyong bagong utang sa auto.</li><li data-block-key="f4bee">Kung mas mataas ang utang mo sa kasalukuyan mong sasakyan kaysa sa talagang halaga nito — tinutukoy bilang upside down — kung gayon, mayroon kang negative equity. Kung idaragdag mo ang balanse ng kasalukuyan mong utang sa auto sa iyong bagong utang sa auto, maaari nitong gawing higit na mas mahal ang bagong utang sa auto. Ang kabuuang halaga ng utang ay magiging mas mataas dahil manghihiram ka ng higit sa presyo lang ng iyong bagong sasakyan.</li><li data-block-key="b4163">Matapos kang magsaliksik sa halaga ng iyong trade-in, kung mas mababa ang halaga ng utang mo pa sa trade-in kaysa sa halaga nito, siguraduhin na sa panahon ng anumang pag-areglo na pag-iisipan mo kung makakakuha ka ba ng patas na halaga para sa iyong trade-in at kung kaya mo bang bayaran nang buo ang dating utang sa auto.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="m8tu6">Mayroon ka pa bang utang sa iyong trade-in?</h3><p data-block-key="9g3b9">Kung pinag-iisipan mo ang paglilipat ng balanse ng lumang utang sa iyong bagong utang, siguraduhing nauunawaan mo kung paano ito makakaapekto sa kabuuang halaga ng iyong bagong utang. Maingat na tingnan ang kabuuang halaga ng bagong utang kabilang ang halagang hiniram, ang taunang antas ng porsyento (APR), ang antas ng interes, ang tadhana ng loan (sa buwan), at ang buwanang bayad – bago ka sumang-ayon sa anumang bagay. Kung hindi mo idadagdag ang halaga ng utang mo pa sa iyong lumang sasakyan sa bagong utang, at panatilihin ang kasalukuyan mong sasakyan habang bumibili ng bago, sa gayon ay magkakaroon ka ng dalawang utang at dalawang buwanang bayarin. Sa alinmang paraan, baka gusto mong isaalang-alang kung makatuwiran ba ang magpatuloy sa transaksyon at bilhin ang susunod na sasakyan kung may utang pa sa iyong trade-in. Para sa karagdagang impormasyon, bumisita sa <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Pag-isipan ang tungkol sa mapipiling mga add-on nang mas maaga</h3><p data-block-key="3tk6a">Kapag pumunta ka sa auto dealer, malamang na alukin ka ng mga karagdagang produkto at serbisyo para sa sasakyan o para sa utang. Mahusay na ideya kung pag-isipan ang mga add-on na ito nang mas maaga, nang sa gayon wala kang masyadong alalahanin kapag nasa dealership, at handa na ang iyong mga sagot kapag inalukan kang bilihin ang mga extra na ito. Kasama sa mga karaniwang add-on ang:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>Mga kontrata ng serbisyo o pinalawig na garantiya</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>Guaranteed Auto Protection (GAP) na seguro</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>Seguro ng credit</b></a></li><li data-block-key="5fo7q"><b>Karagdagang mga katangian para sa sasakyan,</b> tulad ng mga sistema ng alarma, window tinting, proteksyon sa gulong, at iba pang mga produkto</li></ul><p data-block-key="ad820">Ang mga produkto at serbisyo na ito, na maaari mong utangin, ay di-sapilitan at opsyonal lamang. Kung bibilhin mo ang mga ito, madadaan sa areglo ang presyo. Kung sa tingin mo, gusto mong bilhin ang mga produkto o serbisyo iyon, tumingin-tingin sa ibang lugar. Halimbawa, maaaring mag-alok ng GAP na seguro ang iyong sariling kompanya ng seguro sa auto, seguro sa credit, o iba pang mga alternatibo. Kung uutang ka para sa di-sapilitang mga add-on bilang bahagi ng iyong utang, tataas ang halaga na iyong hiniram at babayaran.</p><p data-block-key="4ssc9">Ngayong nagawa mo na ang iyong takdang-aralin, handa ka nang gawin ang susunod na hakbang: mamili para sa iyong utang sa auto. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">Gamitin ang worksheet pang-utang sa auto sa dulo ng gabay na ito para subaybayan ang mga tadhana ng utang at ihambing ang iyong mga pagpipilian.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> Dalhin ang worksheet sa bangko, sa credit union, sa iba nagpapautang, at dealership para maaari mong ihambing ang iyong mga pagpipilian na utang at makuha ang pinakamainam na deal para sa iyo.</p><h2 data-block-key="82bj6">Bumili para sa utang sa auto</h2><p data-block-key="dqthp">Ngayon, handa ka na para simulan ang pamimili para sa utang. Bago ka pumunta sa dealership, tipunin ang iyong personal na impormasyon at isaalang-alang kung paano makakakuha ng pag-preapprove para sa utang.</p><p data-block-key="1m712">Maghahanda sa iyo ang pagtitingin nang mas maaga para sa pakikipag-areglo sa iyong utang sa auto at gawing hindi gaanong nakaka-stress ang pag-proseso.</p><h3 data-block-key="f6jf9">Tipunin ang iyong personal na impormasyon</h3><p data-block-key="421si">Kapag pupunta ka sa bangko, credit union, o dealership, siguraduhing tipunin ang lahat ng impormasyon na kakailanganin mo. Hihingin ng nagpapautang ang mga impormasyong ito sa aplikasyon ng utang:</p><ul><li data-block-key="3uu0a">Pangalan</li><li data-block-key="5fko6">Social Security Number o ITIN</li><li data-block-key="4teh6">Petsa ng kapanganakan</li><li data-block-key="daitp">Kasalukuyan at dating (mga) address at tagal ng pananatili</li><li data-block-key="fct38">Kasalukuyan at dating (mga) empleyado at tagal ng pagtatrabaho</li><li data-block-key="i66q">Trabaho</li><li data-block-key="91sno">Pinagmumulan ng kita</li><li data-block-key="dt3k8">Total ng kabuuang buwanang kita</li><li data-block-key="fqru3">Pinansyal na impormasyon sa mga kasalukuyang credit account, kabilang ang iba pang mga utang</li></ul><h3 data-block-key="7gm0l">Pagkuha ng pag-preapprove para sa utang</h3><p data-block-key="e4796">Isang magandang pagsimula ang pagkuha ng preapprove na alok o quote ng utang na may pinakamalaking halaga ng pautang at antas, mula sa bangko, credit union, o iba nagpapautang. Kapag dinala mo sa dealer ang quote sa utang mula sa nagpapautang, maaaring lumakas ang posisyon mo sa pakikipagtawaran upang makakuha ng mas mahusay na deal, manatili ka man sa alok na dinala mo o magpasyang tanggapin ang alok na financing ng dealer.</p><p data-block-key="8v4f2">Tinutulungan ka rin ng pag-preapprove na hindi lumampas sa iyong badyet at nagbibigay-daan sa iyo na maghambing ng mga antas ng interes nang hindi napiilitan dahil sa oras na maaari mong madama sa sandaling nasa dealership ka. Pagkatapos, habang nasa dealership, maaari kang mas makapag-focus sa tunay na presyo ng sasakyan at sa iyong trade-in dahil malalaman mo na ang mga tadhana ng utang na maaari mong makuha. Magkakaroon ka pa rin ng pagkakataon na makipaareglo ng mas magandang utang sa dealership at hindi gamitin ang iyong pagkaka-preapprove.</p><p data-block-key="6qnmc">Kung na-preapprove ang iyong aplikasyon, bibigyan ka ng mga dokumento ng nagpapautang para dalhin sa dealership. Kapag handa ka nang bumili, magsasagawa ng huling mga pakikipag-ayos ang dealer sa nagpapautang sa iyo.</p><h3 data-block-key="9e9g">Unawain kung paano nakakaapekto ang pamimili ng utang sa iyong credit score</h3><p data-block-key="ed00">Sa pangkaraniwan, kaunti hanggang walang epekto sa iyong (mga) credit score ang pagbili sa pinakamainam na deal sa utang sa auto. Malalampasan ng benepisyo ng pagtitingin ang anumang epekto sa iyong credit. Sa ilang kaso, maaaring makapagpababa sa iyong (mga) credit score ang pag-a-apply para sa maraming utang sa loob ng mahabang panahon. Depende sa modelo ng pag- aalam ng credit score na ginamit, sa pangkalahatan, bibilangin lang na isang pag-usisa ang anumang mga kahilingan o pagtanong ng mga nagpapautang na ito para sa iyong (mga) credit score na naganap sa loob ng panahon mula 14 na araw hanggang 45 araw. Ang ibig sabihin nito, bibilangin ang mga pagtitingin para sa utang sa auto sa yugto ng panahong iyon na katulad ng pag-a-apply para sa isang utang lang. Maaari mong mapaliit ang anumang negatibong epekto sa iyong credit score sa pamamagitan ng paggawa ng lahat ng iyong pagtitingin ng antas sa maikling panahon.</p><h3 data-block-key="ff4qh">Alamin ang iyong mga karapatan</h3><p data-block-key="4epq2">Hindi maaaring pigilan o tanggihan ng nagpapautang ang iyong aplikasyon para sa credit, o mag-aalok ng ibang mga presyo o ibang mga tadhana at kondisyon ng utang, batay sa iyong lahi, kulay, relihiyon, bansang pinagmulan, kasarian, marital status, edad, pagtanggap ng kita mula sa pampublikong tulong, o pagsasagawa ng anumang karapatan na may mabuting intensyon sa ilalim ng Consumer Credit Protection Act.</p><p data-block-key="55jgs">Maari kang magsumite ng reklamo online sa Federal Trade Commission (FTC) sa <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> o sa Consumer Financial Protection Bureau (CFPB) sa <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> o sa pagtawag na walang-bayad sa 1-855-411-CFPB (2372). Maaari mo ring sabihin sa amin ang tungkol sa iyong karanasan nang hindi nagsusumite ng pormal na reklamo.</p>
+            </div>
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+   </div>
+        </section>
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diff --git a/www.consumerfinance.gov/language/vi/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/vi/act-fast-if-you-cant-pay-your-credit-cards/index.html
new file mode 100644
index 000000000000..76a4236895c3
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -0,0 +1,1458 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>Hành động nhanh nếu quý vị không thể thanh toán thẻ tín dụng | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/learn-page/index.html">
+    <meta name="description"
+          content="Hãy hành động ngay và gọi cho công ty phát hành thẻ tín dụng nếu quý vị cho rằng mình không thể chi trả khoản thanh toán tối thiểu trên thẻ tín dụng.">
+    <link rel="canonical" href="https://www.consumerfinance.gov/language/vi/act-fast-if-you-cant-pay-your-credit-cards/">
+    <meta property="og:title" content="Hành động nhanh nếu quý vị không thể thanh toán thẻ tín dụng | Consumer Financial Protection Bureau">
+    <meta property="og:type" content="website">
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+       >
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+                aria-label="Enforcement"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+       >
+        Industry Whistleblowers
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+       >
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+       >
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+       >
+        Mortgage Performance Trends
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+    >
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+       >
+        Credit Card Surveys &amp; Agreements
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+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
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+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+                    CFPB in Vietnamese
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+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Act fast if you can’t pay your credit cards (in Vietnamese)</div>
+<h1>Hành động nhanh nếu quý vị không thể thanh toán thẻ tín dụng</h1>
+<div class="block block__sub">
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+                lang="zh-Hant"
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+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/act-fast-if-you-cant-pay-your-credit-cards/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Hãy hành động ngay và gọi cho công ty phát hành thẻ tín dụng nếu quý vị cho rằng mình không thể chi trả khoản thanh toán tối thiểu trên thẻ tín dụng.</p>
+    </div>
+    <p data-block-key="6l3co">Nhiều công ty thẻ tín dụng có thể sẵn sàng giúp đỡ nếu quý vị gặp phải tình huống khẩn cấp về tài chính. Quý vị không cần trả trễ khoản thanh toán thì mới được yêu cầu trợ giúp!</p>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Đừng phớt lờ vấn đề</h2><p data-block-key="46c8r">Điều đó chỉ có thể làm cho vấn đề trở nên trầm trọng hơn, chẳng hạn như:</p><ul><li data-block-key="9elel">Lãi suất cao hơn</li><li data-block-key="c2vou">Mức thanh toán tối thiểu cao hơn</li><li data-block-key="6mknc">Mất đặc quyền tính phí</li><li data-block-key="5n9ir">Phí trễ hạn</li><li data-block-key="d2sh9">Gây hại đến điểm tín dụng</li></ul><h2 data-block-key="e0v5p">Sau đây là những gì cần làm</h2><h3 data-block-key="7h7ck">1. Cộng thu nhập và chi phí của quý vị</h3><p data-block-key="i15d">Tìm cách cắt giảm chi phí. Nếu quý vị không có đủ để chi trả khoản thanh toán tối thiểu, hãy quyết định số tiền quý vị có thể trả.</p><h3 data-block-key="f1muv">2. Gọi cho công ty phát hành thẻ tín dụng</h3><p data-block-key="9cdkv">Hãy giải thích rõ ràng:</p><ul><li data-block-key="dtlkq">Lý do quý vị không thể trả mức tối thiểu</li><li data-block-key="7a56g">Số tiền quý vị có thể trả</li><li data-block-key="36r2p">Thời điểm quý vị có thể bắt đầu lại các khoản thanh toán thông thường</li></ul><h3 data-block-key="9per">3. Cân nhắc tư vấn tín dụng</h3><p data-block-key="13g3n">Nếu quý vị cần thêm trợ giúp, các tổ chức tư vấn tín dụng phi lợi nhuận có thể hướng dẫn quý vị thêm về cách quản lý tiền của mình.</p><p data-block-key="8fbf4">Trước khi đăng ký tư vấn tín dụng, hãy hỏi xem quý vị có bị tính phí không, mức phí là bao nhiêu và những dịch vụ nào quý vị sẽ nhận được. Hãy đảm bảo cố vấn viên tín dụng dành thời gian tìm hiểu về tình hình tài chính của quý vị và đề nghị giúp quý vị tìm hiểu cách cải thiện tình hình.</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="53x1t">Không có cách sửa chữa dễ dàng</h2><p data-block-key="tbf1">Một số công ty xóa nợ hoạt động vì lợi nhuận cho biết họ có thể giúp quý vị trả nợ “với giá vô cùng phải chăng”. Tuy nhiên, những lời hứa này thường không thành sự thật. Hãy cảnh giác với bất kỳ tổ chức xóa nợ nào:</p><ul><li data-block-key="e3dft">Tính phí trước khi giải quyết khoản nợ của quý vị</li><li data-block-key="3frtp">Đảm bảo rằng họ có thể làm cho khoản nợ của quý vị biến mất</li><li data-block-key="7aap7">Yêu cầu quý vị ngừng giao tiếp với bên cho vay hoặc công ty thẻ tín dụng</li><li data-block-key="ap8b3">Yêu cầu quý vị ngừng thanh toán bằng thẻ tín dụng hoặc khoản vay</li></ul>
+</div>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Luôn được cập nhật thông tin
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+    <p>
+        <p data-block-key="j867d">Đăng ký nhận thông tin để hỗ trợ cộng đồng đa ngôn ngữ</p>
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+    <form class="o-form o-form__email-signup"
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+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
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+          >
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+            <label class="a-label a-label__heading" for="email_1">
+                Địa chỉ email
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+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
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+                   required>
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+            <button class="a-btn">Đăng ký</button>
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diff --git a/www.consumerfinance.gov/language/vi/auto-loans-key-terms/index.html b/www.consumerfinance.gov/language/vi/auto-loans-key-terms/index.html
new file mode 100644
index 000000000000..681034d8c086
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/auto-loans-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>Các thuật ngữ chính về khoản vay mua xe | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/browse-basic/index.html">
+    <meta name="description"
+          content="">
+    <link rel="canonical" href="https://www.consumerfinance.gov/language/vi/auto-loans-key-terms/">
+    <meta property="og:title" content="Các thuật ngữ chính về khoản vay mua xe | Consumer Financial Protection Bureau">
+    <meta property="og:type" content="website">
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
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+        Resources for Yourself
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Resources for Helping Others
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
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+       >
+        Notices and Opportunities to Comment
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+       >
+        Advisory Committees
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+        Enforcement
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+                aria-label="Enforcement"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Các thuật ngữ chính về khoản vay mua xe
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/bank-accounts-key-terms/>
+    Thuật ngữ chính về tài khoản ngân hàng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-card-key-terms/>
+    Thuật ngữ chính về thẻ tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-reports-and-scores-key-terms/>
+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/debt-collection-key-terms/>
+    Thuật ngữ chính về  thu nợ
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/fraud-key-terms/>
+    Các thuật ngữ chính về hành vi lừa đảo
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/mortgages-key-terms/>
+    Thuật ngữ chính về khoản vay thế chấp
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Auto key terms (in Vietnamese)</div>
+<h1>Các thuật ngữ chính về khoản vay mua xe</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/auto-loans-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/auto-loans-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/auto-loan-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/auto-loan-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/auto-loans-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/auto-loan-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/auto-loan-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds">Giá Trị Tiền Mặt (Actual Cash Value - ACV)</h2><p data-block-key="3krhi">Giá Trị Tiền Mặt (ACV) là giá trị của xe theo các nguồn độc lập được công nhận rộng rãi như  <a class="a-link a-link__icon" data-pretty-href="https://www.nadaguides.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.nadaguides.com&amp;signature=oG8SNrAZcmneKDn979L1N9UmwBE76d5oh8YlQeFEeL4"><span class="a-link_text">National Automobile Dealers Association (Hiệp Hội Đại Lý Ô Tô Quốc Gia)</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>  hoặc <a class="a-link a-link__icon" data-pretty-href="https://www.kbb.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.kbb.com&amp;signature=J7Q4iNane5p06hLcd-Uj0PKg88PImfLat2xBfdxQjQ0"><span class="a-link_text">Kelley Blue Book</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.<br/><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh">Sự trả dần mỗi tháng (Amortization)</h2><p data-block-key="e6ks5">Sự trả dần mỗi tháng mô tả quá trình trả dần khoản vay mua xe. Đối với khoản vay trả dần, trong mỗi khoản thanh toán hàng tháng, một phần được trả cho số tiền vay <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">(vốn gốc)</a> và một phần của khoản thanh toán được thanh toán cho phí vay nợ trả góp (tiền lãi).</p><p data-block-key="bhvek"><a class="" data-pretty-href="cfpb.gov/askcfpb/771" href="/ask-cfpb/what-is-amortization-and-how-could-it-affect-my-auto-loan-en-771/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9">Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)</h2><p data-block-key="bt9tj">Mức Lãi Suất Theo Phần Trăm Mỗi Năm (APR) là chi phí quý vị phải trả mỗi năm khi vay tiền (bao gồm cả phí), biểu thị bằng phần trăm. APR là thước đo rộng hơn về chi phí vay tiền vì nó không chỉ phản ánh lãi suất mà còn cả các khoản phí quý vị phải trả để vay được tiền. APR càng cao, quý vị càng phải trả nhiều tiền trong suốt thời hạn vay.</p><p data-block-key="7piai">APR và <a class="" data-pretty-href="cfpb.gov/askcfpb/733" href="/ask-cfpb/what-is-the-difference-between-an-interest-rate-and-the-annual-percentage-rate-apr-in-an-auto-loan-en-733/">lãi suất</a> của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.<br/><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/>Người được ủy quyền (Assignee)</h2><p data-block-key="fk0mq">Người được ủy quyền là người hoặc công ty mua khoản vay mua xe của quý vị. Ví dụ: Một đại lý ô tô cấp tín dụng cho quý vị có thể bán khoản vay của quý vị cho ngân hàng, khiến ngân hàng trở thành người được ủy quyền. Quý vị nợ tiền của bất cứ ai đã mua khoản vay của quý vị. Người được ủy quyền có quyền cầm giữ xe và có thể thu hồi nếu quý vị không trả tiền.<br/><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb">Giá cơ bản (Base price)</h2><p data-block-key="4h22k">Giá cơ bản là giá của xe không có tùy chọn.  </p><p data-block-key="d9gug"><a class="" data-pretty-href="cfpb.gov/askcfpb/723" href="/ask-cfpb/what-factors-into-the-price-of-a-car-or-vehicle-en-723/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9">Tỷ giá mua (Buy rate)</h2><p data-block-key="9bpng">Tỷ giá mua là lãi suất mà người cho vay tiềm năng báo giá cho đại lý của quý vị khi quý vị đăng ký  <a class="" data-pretty-href="cfpb.gov/askcfpb/759" href="/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/">tài trợ vốn thông qua đại lý</a>.</p><p data-block-key="f0n8"><a class="" data-pretty-href="cfpb.gov/askcfpb/727" href="/ask-cfpb/what-is-a-buy-rate-for-an-auto-loan-en-727/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm">Người đồng ký (Co-signer)</h2><p data-block-key="2hjhl">Người đồng ký là người - chẳng hạn như cha mẹ, thành viên thân thiết trong gia đình hoặc bạn bè - cam kết trả lại khoản vay nếu quý vị không trả. Đây có thể là lợi ích cho cả quý vị lẫn người cho vay. Người đồng ký chịu hoàn toàn trách nhiệm trả lại khoản nợ. Nếu có người đồng ký khi quý vị vay tiền, người cho vay được đảm bảo thêm rằng khoản vay sẽ được trả lại. Nếu quý vị không trả nợ, người đồng ký sẽ phải chịu trách nhiệm trả nợ ngay cả khi người đó chưa bao giờ dùng xe của quý vị. Nếu quý vị được hỏi đồng ký một khoản vay, quý vị nên xem xét <a class="" data-pretty-href="cfpb.gov/askcfpb/813" href="/ask-cfpb/should-i-agree-to-co-sign-someone-elses-car-loan-en-813/">việc này sẽ ảnh hưởng ra sao đến tài chính của mình</a>.<br/><br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/>Bảo hiểm tín dụng (Credit insurance)</h2><p data-block-key="fkmcm">Bảo hiểm tín dụng là loại bảo hiểm không bắt buộc, có thể chi trả khoản vay mua xe cho người cho vay trong một số trường hợp nhất định, chẳng hạn như khi quý vị qua đời hoặc bị tàn tật. Nếu quý vị đang cân nhắc dùng <a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/">bảo hiểm tín dụng</a>, hãy chắc chắn rằng quý vị hiểu các điều khoản của chính sách được cung cấp. Nếu quyết định rằng mình cần bảo hiểm, quý vị có thể có những cách rẻ hơn để được bảo hiểm, thay vì mua và thêm bảo hiểm tín dụng vào khoản vay mua xe. Ví dụ: Bảo hiểm nhân thọ có thể rẻ hơn bảo hiểm nhân thọ tín dụng và tạo điều kiện cho gia đình quý vị thanh toán các chi phí khác ngoài khoản vay mua xe.<br/><br/><br/></p><hr/><h2 data-block-key="3158p"><br/>Các sản phẩm miễn trừ hoặc đình chỉ trả nợ (Debt cancellation or suspension products)</h2><p data-block-key="8r0dj">Một số đại lý ô tô cũng như ngân hàng và công đoàn tín dụng cung cấp sản phẩm hoặc bảo hiểm “miễn trừ nợ” và “đình chỉ trả nợ” dưới nhiều tên gọi khác nhau. Các sản phẩm này tương tự như bảo hiểm tín dụng về mặt chức năng, nhưng phí và các tính năng khác có thể khác.</p><p data-block-key="8p6jp"><a class="" data-pretty-href="cfpb.gov/askcfpb/803" href="/ask-cfpb/what-are-debt-cancellation-or-debt-suspension-products-offered-with-an-auto-loan-en-803/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q">Số dư thiếu hụt (Deficiency balance)</h2><p data-block-key="buq01">Nếu xe của mình bị thu hồi và bán, quý vị có thể phải chịu trách nhiệm thanh toán khoản chênh lệch giữa số tiền còn lại trong khoản vay của mình (cộng với phí thu hồi) và giá bán. Khoản này gọi là “số dư thiếu hụt”.<br/><br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr">Tiền đặt c¬ọc (Down payment)</h2><p data-block-key="6hlt4">Tiền đặt cọc là khoản thanh toán ban đầu, trả trước mà quý vị thực hiện trên tổng chi phí của xe. Tiền đặt cọc có thể là tiền mặt, giá trị của một giao dịch thu lại xe cũ hoặc cả hai. Quý vị đặt cọc càng nhiều, số tiền cần vay càng ít. Tiền đặt cọc nhiều hơn cũng có thể làm giảm khoản thanh toán hàng tháng của quý vị và tổng phí tài trợ vốn vay mượn.<br/><br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb">Bảo hành mở rộng hoặc hợp đồng dịch vụ xe (Extended warranty or vehicle service contract)</h2><p data-block-key="cloa5">Bảo hành mở rộng hoặc hợp đồng dịch vụ xe thanh toán các chi phí của một số loại sửa chữa ngoài hoặc sau khi kết thúc thời hạn bảo hành của nhà sản xuất.</p><p data-block-key="eh2va"><a class="" data-pretty-href="cfpb.gov/askcfpb/729" href="/ask-cfpb/what-is-an-extended-warranty-or-vehicle-service-contract-en-729/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="659hf"></p><h2 data-block-key="8c2ku">Bộ phận tài chính và bảo hiểm (Finance and insurance department)</h2><p data-block-key="4gkdt">Nếu quý vị mua xe tại đại lý, nhân viên bán hàng có thể giới thiệu quý vị với ai đó bên bộ phận tài chính và bảo hiểm (F&I) hoặc văn phòng kinh doanh. Đây là một phần của đại lý tiếp thị các khoản vay và các tiện ích bổ sung tùy chọn cho khách hàng sau khi họ đồng ý mua xe tại đại lý.</p><p data-block-key="39rmv"><a class="" data-pretty-href="cfpb.gov/askcfpb/747" href="/ask-cfpb/what-is-a-finance-and-insurance-fi-department-en-747/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="cbciv"></p><h2 data-block-key="frcam">Khoản vay với lãi suất cố định (Fixed-rate financing)</h2><p data-block-key="8rcvt">Khoản vay với lãi suất cố định có nghĩa là lãi suất cho khoản vay của quý vị không thay đổi trong suốt thời hạn vay. Với lãi suất cố định, quý vị có thể biết khoản thanh toán của mình cho mỗi tháng và tổng số tiền quý vị sẽ trả trong suốt thời hạn vay. Quý vị có thể muốn được cho vay với lãi suất cố định nếu đang tìm kiếm khoản trả góp tiền vay không thay đổi. Khoản vay với lãi suất cố định là một loại tài trợ vốn. Một loại khác là <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">khoản vay với lãi suất thay đổi</a>.<br/><br/><br/></p><hr/><p data-block-key="195ko"></p><h2 data-block-key="c7qnq">Bảo hiểm bắt buộc (Force-placed insurance)</h2><p data-block-key="28lso">Để vay được tiền mua xe, quý vị phải có bảo hiểm cho chính chiếc xe đó. Nếu quý vị không mua bảo hiểm hoặc để bảo hiểm mất hiệu lực, hợp đồng thường trao cho người cho vay quyền mua bảo hiểm cho chiếc xe đó. Bảo hiểm này gọi là “bảo hiểm bắt buộc”.</p><p data-block-key="6o6h3"><a class="" data-pretty-href="cfpb.gov/askcfpb/827" href="/ask-cfpb/what-is-force-placed-insurance-en-827/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="1vhou"></p><h2 data-block-key="1civq">Bảo Hiểm Để Bảo Vệ Tài Sản (Guaranteed Auto Protection (GAP) insurance)</h2><p data-block-key="4kq3e">Bảo hiểm GAP chi trả khoản chênh lệch giữa số tiền quý vị vay mua xe và số tiền bảo hiểm của quý vị trả nếu xe của quý vị bị mất cắp, hư hỏng hoặc cả hai. Quý vị không cần mua bảo hiểm này. Nhưng nếu quyết định mình muốn mua, hãy tham khảo giá cả. Người cho vay có thể đặt các mức giá khác nhau cho sản phẩm này.<br/><br/><br/></p><hr/><p data-block-key="a5f2c"></p><h2 data-block-key="43hmu">Lãi suất (Interest rate)</h2><p data-block-key="6doks">Lãi suất của khoản vay mua xe là chi phí quý vị phải trả mỗi năm khi vay, biểu thị bằng phần trăm. Lãi suất không bao gồm phí tính cho khoản vay.</p><p data-block-key="8fm04">APR và lãi suất của khoản vay mua xe là hai trong số các thước đo quan trọng nhất về chi phí mà quý vị phải trả khi vay tiền. Luật Cho Vay Trung Thực (TILA) của liên bang yêu cầu người cho vay tiết lộ cụ thể cho quý vị về các điều khoản quan trọng (bao gồm cả APR) trước khi quý vị có nghĩa vụ pháp lý đối với khoản vay. Vì tất cả người cho vay đều phải cung cấp APR, nên quý vị có thể sử dụng APR để so sánh các khoản vay mua xe. Chỉ cần đảm bảo rằng quý vị đang so sánh APR với APR, chứ không phải với lãi suất.<br/><br/><br/></p><hr/><p data-block-key="53qac"></p><h2 data-block-key="b1fsf">Kỳ hạn hoặc khoảng thời gian cho vay (Loan term or duration)</h2><p data-block-key="8neko">Đây là thời hạn của khoản vay mua xe, thường được biểu thị theo tháng. Kỳ hạn vay ngắn hơn (khi đó quý vị thanh toán hàng tháng trong thời gian ngắn hơn) sẽ giảm tổng chi phí cho khoản vay. Khoản vay dài hơn sẽ giảm bớt khoản thanh toán hàng tháng, nhưng quý vị phải trả lãi nhiều hơn trong suốt thời hạn vay. Khoản vay dài hơn cũng khiến quý vị có nguy cơ bị âm vốn chủ sở hữu - đó là khi số tiền quý vị nợ cho xe nhiều hơn so với giá trị của xe đó.<br/><br/><br/></p><hr/><p data-block-key="anct0"></p><h2 data-block-key="78nh8">Tỉ số vay trên giá trị (Loan-to-value ratio)</h2><p data-block-key="8rl1a">Tỉ số vay trên giá trị (LTV) là tổng giá trị đồng đô la của khoản vay chia cho giá trị tiền mặt (ACV) của xe. Tỉ số này thường thể hiện dưới dạng phần trăm. Tiền đặt cọc làm giảm tỉ số vay trên giá trị của khoản vay.</p><p data-block-key="71per"><a class="" data-pretty-href="cfpb.gov/askcfpb/769" href="/ask-cfpb/what-is-a-loan-to-value-ratio-in-an-auto-loan-en-769/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="o56u"></p><h2 data-block-key="389kd">Hòa giải ràng buộc bắt buộc (Mandatory binding arbitration)</h2><p data-block-key="f5v38">Khi ký vào thoả thuận về điều khoản hòa giải ràng buộc bắt buộc, quý vị đồng ý giải quyết mọi tranh chấp về hợp đồng trước người hòa giải có thẩm quyền quyết định kết quả tranh chấp thay vì tòa án. Quý vị cũng có thể đồng ý từ bỏ các quyền khác, chẳng hạn như khả năng kháng cáo quyết định hoặc tham gia vụ kiện tập thể.</p><p data-block-key="cpvdi"><a class="" data-pretty-href="cfpb.gov/askcfpb/739" href="/ask-cfpb/what-is-mandatory-binding-arbitration-en-739/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="4p2fq"></p><h2 data-block-key="ff37r">Ưu đãi của nhà sản xuất (Manufacturer incentives)</h2><p data-block-key="1gjdo">Ưu đãi của nhà sản xuất là các ưu đãi đặc biệt, chẳng hạn như khoản vay 0% hoặc ưu đãi hoàn tiền mà quý vị có thể đã thấy được quảng cáo cho xe mới. Thông thường, ưu đãi chỉ được cung cấp cho một số mẫu xe nhất định.<br/><br/><br/></p><hr/><p data-block-key="ee4ra"></p><h2 data-block-key="e2dfu">Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (Manufacturer Suggested Retail Price - MSRP)</h2><p data-block-key="cbj1l">Giá Bán Lẻ Do Nhà Sản Xuất Đề Xuất (MSRP) là giá mà nhà sản xuất xe đề xuất cho đại lý bán xe.<br/><br/><br/></p><hr/><p data-block-key="evcc6"></p><h2 data-block-key="dfr97">Vốn chủ sở hữu âm (Negative equity)</h2><p data-block-key="79lek">Nếu số tiền vay nợ mua xe hiện tại nhiều hơn so với giá trị của chiếc xe đó – được gọi là “đảo ngược” - thì quý vị bị âm vốn chủ sở hữu. Nói cách khác, nếu cố bán xe, quý vị sẽ không thể lấy lại được những gì mình đã nợ khi mua xe đó. Ví dụ: giả sử tiền vay nợ mua xe là $10.000 và xe đó hiện trị giá $8.000. Nghĩa là quý vị có vốn chủ sở hữu âm là $2.000. Quý vị sẽ cần thanh toán vốn chủ sở hữu âm đó nếu quý vị muốn đổi xe và vay tiền để mua xe mới.<br/><br/><br/></p><hr/><p data-block-key="80nkl"></p><h2 data-block-key="cicp">Khoản vay mua xe không xét điểm tín dụng hoặc “mua tại đây, thanh toán tại đây” (No credit check or "buy here, pay here" auto loan)</h2><p data-block-key="8lsu1">Các đại lý cung cấp khoản vay mua xe “không xét điểm tín dụng” hoặc “mua tại đây, thanh toán tại đây” thường tài trợ vốn vay nợ mua xe “tại chỗ” cho người vay không có tín dụng hoặc có điểm tín dụng thấp.  </p><p data-block-key="9lgcu"><a class="" data-pretty-href="cfpb.gov/askcfpb/887" href="/ask-cfpb/what-is-a-no-credit-check-or-buy-here-pay-here-auto-loan-en-887/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="8cdu8"></p><h2 data-block-key="9hna1">Vốn gốc (Principal)</h2><p data-block-key="fp299">Vốn gốc là số tiền ban đầu quý vị đồng ý trả lại.</p><p data-block-key="apok9">Nói chung, bất kỳ khoản thanh toán nào cho khoản vay mua xe sẽ trả trước tiên cho mọi khoản phí đến hạn (ví dụ: phí trễ hạn). Tiếp theo, số tiền còn lại từ khoản thanh toán sẽ được trả cho mọi khoản <a class="" data-pretty-href="cfpb.gov/askcfpb/845" href="/ask-cfpb/what-is-the-difference-between-paying-interest-and-paying-off-my-principal-in-an-auto-loan-en-845/">tiền lãi</a> đến hạn, bao gồm tiền lãi quá hạn (nếu có). Sau đó, phần còn lại của khoản thanh toán sẽ được trả cho dư nợ gốc của khoản vay.<br/><br/><br/></p><hr/><p data-block-key="ahg09"></p><h2 data-block-key="3qogb">Định giá dựa trên rủi ro (Risk-based pricing)</h2><p data-block-key="bv4gn">Định giá dựa trên rủi ro diễn ra khi người cho vay cung cấp cho những người tiêu dùng khác nhau mức lãi suất khác nhau hoặc điều khoản cho vay khác nhau, dựa trên rủi ro ước tính rằng người tiêu dùng sẽ không trả được khoản vay.</p><p data-block-key="6tp1l"><a class="" data-pretty-href="cfpb.gov/askcfpb/767" href="/ask-cfpb/what-is-risk-based-pricing-en-767/">Đọc thêm (bằng tiếng Anh)</a><br/><br/><br/></p><hr/><p data-block-key="1v68g"></p><h2 data-block-key="a2pqq">Tổng chi phí (Total cost)</h2><p data-block-key="6cmct">Đây là số tiền quý vị sẽ trả để mua xe (bao gồm vốn gốc, tiền lãi và bất kỳ số tiền đặt cọc hoặc giá trị thu lại xe cũ nào) trong suốt thời hạn vay.<br/><br/><br/></p><hr/><p data-block-key="360er"></p><h2 data-block-key="5ames">Luật Cho Vay Trung Thực (Truth in Lending disclosure)</h2><p data-block-key="332kk">Luật Cho Vay Trung Thực của liên bang - hay gọi tắt là “TILA” - yêu cầu người vay phải nhận được thông báo bằng văn bản công khai các điều khoản tín dụng quan trọng trước khi họ bị ràng buộc về mặt pháp lý để trả khoản vay. Tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/787" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-when-do-i-get-to-see-it-en-787/">thông tin có trong thông báo về TILA</a>, cũng như thời điểm quý vị sẽ nhận được và xem xét thông tin đó.<br/><br/><br/></p><hr/><p data-block-key="bgup3"></p><h2 data-block-key="2tln2">Khoản vay với lãi suất thay đổi (Variable-rate financing)</h2><p data-block-key="3nnns">Khoản vay với lãi suất thay đổi là khi lãi suất cho khoản vay có thể thay đổi, dựa trên lãi suất cơ bản hoặc lãi suất khác gọi là “chỉ số”. Trong khoản vay với lãi suất thay đổi, lãi suất của khoản vay thay đổi khi lãi suất theo chỉ số thay đổi, nghĩa là lãi suất có thể tăng hoặc giảm. Vì lãi suất có thể tăng lên, khoản thanh toán hàng tháng cũng có thể tăng theo. Thời hạn vay càng dài, khoản vay có lãi suất thay đổi càng rủi ro đối với người vay, vì lãi suất có thêm thời gian để tăng. Khoản vay với lãi suất thay đổi là một loại tài trợ vốn. Một loại khác là <a class="" data-pretty-href="cfpb.gov/askcfpb/757" href="/ask-cfpb/what-is-the-difference-between-fixed-and-variable-rate-auto-financing-en-757/">khoản vay với lãi suất cố định</a>.<br/><br/><br/></p><hr/><p data-block-key="76c3v"></p><h2 data-block-key="9qme3">Bảo Hiểm Lãi Suất Duy Nhất Của Nhà Cung Cấp (Vendor's Single Interest (VSI) insurance)</h2><p data-block-key="3p5g9">Bảo hiểm VSI bảo vệ người cho vay, chứ không phải quý vị, trong trường hợp xe bị hư hỏng hoặc phá hủy.  </p><p data-block-key="ft4qq"><a class="" data-pretty-href="cfpb.gov/askcfpb/731" href="/ask-cfpb/what-is-vendors-single-interest-vsi-insurance-en-731/">Đọc thêm (bằng tiếng Anh)</a></p>
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diff --git a/www.consumerfinance.gov/language/vi/bank-accounts-key-terms/index.html b/www.consumerfinance.gov/language/vi/bank-accounts-key-terms/index.html
new file mode 100644
index 000000000000..72f3b8f83343
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/bank-accounts-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
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+            <div class="m-global-eyebrow_actions">
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
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+       >
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+       >
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+       >
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+       >
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+       >
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+       href="/data-research/financial-well-being-survey-data/"
+       >
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+       >
+        Credit Card Surveys &amp; Agreements
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+       >
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+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       href="/about-us/newsroom/?categories=directors-statement"
+       >
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+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       href="/activity-log/"
+       >
+        Recent Updates
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/vi/">
+                    CFPB in Vietnamese
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/auto-loans-key-terms/>
+    Các thuật ngữ chính về khoản vay mua xe
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Thuật ngữ chính về tài khoản ngân hàng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-card-key-terms/>
+    Thuật ngữ chính về thẻ tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-reports-and-scores-key-terms/>
+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/debt-collection-key-terms/>
+    Thuật ngữ chính về  thu nợ
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/fraud-key-terms/>
+    Các thuật ngữ chính về hành vi lừa đảo
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/mortgages-key-terms/>
+    Thuật ngữ chính về khoản vay thế chấp
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Bank accounts key terms (in Vietnamese)</div>
+<h1>Thuật ngữ chính về tài khoản ngân hàng</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/bank-accounts-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/bank-accounts-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/bank-accounts-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/bank-accounts-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/bank-accounts-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/bank-accounts-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/bank-accounts-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Hệ Thống Bù Trừ Tự Động (Automated Clearing House - ACH)</b></h2><p data-block-key="1n4i9">Ủy quyền Hệ Thống Bù Trừ Tự Động (ACH) là sự ủy quyền trả tiền, cho phép người cho vay lấy tiền qua đường điện tử từ ngân hàng, công đoàn tín dụng hoặc tài khoản thẻ trả trước của quý vị khi khoản tiền của quý vị đến hạn. Quý vị có thể thu hồi quyết định ủy quyền này.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Khoản trích nợ tự động (Automatic debit payment)</b></h2><p data-block-key="achpd">Với khoản trích nợ tự động, quý vị cho phép công ty nhận các khoản tiền ngay từ tài khoản ngân hàng của quý vị. Cách này khác với tính năng trả hóa đơn định kỳ do ngân hàng của quý vị cung cấp. Khi trả hóa đơn định kỳ, quý vị cho phép ngân hàng hoặc công đoàn tín dụng của mình trả cho công ty.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit - CD)</b></h2><p data-block-key="as7ma">Tiền gửi tiết kiệm có kỳ hạn (hay CD) là loại tài khoản tiết kiệm đặc biệt do ngân hàng hoặc công đoàn tín dụng cung cấp. Quý vị thường phải giữ tiền của mình trong CD trong khoảng thời gian nhất định để tránh bị phạt.</p><p data-block-key="2hfmu"><a class="" data-pretty-href="cfpb.gov/askcfpb/917" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-en-917/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Đáo hạn tiền gửi tiết kiệm có kỳ hạn (Certificate of deposit (CD) rollover)</b></h2><p data-block-key="609rl">Đáo hạn hoặc gia hạn có thể diễn ra vào cuối thời hạn của CD.</p><p data-block-key="8r9lb"><a class="" data-pretty-href="cfpb.gov/askcfpb/923" href="/ask-cfpb/what-is-a-certificate-of-deposit-cd-rollover-or-renewal-en-923/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Hối phiếu đòi nợ (Demand draft)</b></h2><p data-block-key="ut28">Hối phiếu đòi nợ cho phép ai đó rút tiền từ tài khoản ngân phiếu của quý vị mà không cần chữ ký của quý vị.  </p><p data-block-key="5a918"><a class="" data-pretty-href="cfpb.gov/askcfpb/1067" href="/ask-cfpb/what-is-a-demand-draft-telephone-check-or-preauthorized-draft-en-1067/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Thời gian giữ tiền gửi (Deposit hold)</b></h2><p data-block-key="6u28h">Khoảng thời gian ngân hàng hoặc công đoàn tín dụng giữ số tiền quý vị gửi bằng ngân phiếu đôi khi được gọi là “thời gian giữ tiền gửi” hoặc “thời gian giữ ngân phiếu”. Một số ngân hàng hoặc công đoàn tín dụng có thể gửi tiền nhanh hơn so với yêu cầu của pháp luật và một số có thể đẩy nhanh khả năng gửi tiền với một khoản phí.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Người nhận uỷ thác (Fiduciary)</b></h2><p data-block-key="4oh9n">Người nhận uỷ thác là người quản lý tiền hoặc tài sản cho người khác. Khi quý vị được chỉ định là người nhận ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Người bảo vệ tài sản (Guardian of property)</b></h2><p data-block-key="4pgm2">Người bảo vệ tài sản là người được tòa chỉ định quản lý tiền và tài sản của người mà tòa thấy nhận rằng họ không thể tự mình quản lý tiền cũng như tài sản của mình.</p><p data-block-key="6mu74"><a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>Mã số thuế cá nhân (Individual taxpayer identification number - ITIN)</b></h2><p data-block-key="aatsb">ITIN là mã số nhận dạng mà quý vị nhận được từ Sở Thuế Vụ (Internal Revenue Service). ITIN chỉ có sẵn cho một số ngoại nhân không cư trú và thường trú, vợ/chồng của họ và những người phụ thuộc không nhận được Số An Sinh Xã Hội.<br/><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>Tài khoản đồng sở hữu (Joint account)</b></h2><p data-block-key="d5q71">Nếu muốn cho phép bạn bè hoặc người thân viết ngân phiếu và gửi tiền thay cho quý vị, quý vị có thể cân nhắc mở tài khoản đồng sở hữu. Nói chung, tất cả những người có tên trong tài khoản đồng sở hữu đều có thể viết ngân phiếu, rút tiền, thực hiện giao dịch, chuyển tiền hoặc đóng tài khoản. Nếu một trong những chủ tài khoản nợ tiền, người cho vay có thể thu tiền trong tài khoản ngân hàng đồng sở hữu.<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>Tài khoản thị trường tiền tệ (Money market account)</b></h2><p data-block-key="3ofgg">Tài khoản thị trường tiền tệ là một loại tài khoản đặc biệt, do các ngân hàng và công đoàn tín dụng cung cấp.</p><p data-block-key="ebbja"><a class="" data-pretty-href="cfpb.gov/askcfpb/1007" href="/ask-cfpb/what-is-a-money-market-account-en-1007/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>Phí không đủ tiền (Non-sufficient funds (NSF) fees)</b></h2><p data-block-key="5kht1">NSF hoặc phí không đủ tiền có thể phát sinh khi ngân phiếu hoặc phương thức ủy quyền điện tử không trả được do thiếu tiền trong tài khoản.Đây thường gọi là ngân phiếu “bị trả lại” hoặc “không có tiền”. <br/><br/></p><hr/><p data-block-key="659hf"></p><h2 data-block-key="8c2ku"><b>Thấu chi (Overdraft)</b></h2><p data-block-key="4dl6b">Thấu chi xảy ra khi quý vị không có đủ tiền trong tài khoản để chi trả cho một giao dịch, nhưng ngân hàng vẫn trả giao dịch đó. Quý vị có thể rút tiền vượt quá số dư từ tài khoản của mình thông qua ngân phiếu, giao dịch bằng ATM, giao dịch bằng thẻ ghi nợ, phương thức trả hóa đơn tự động và phương thức rút tiền trực tiếp hoặc bằng máy điện tử.</p><p data-block-key="ccpja">Nhiều ngân hàng và công đoàn tín dụng cung cấp chương trình bảo vệ thấu chi, trong đó ngân hàng hoặc công đoàn tín dụng thường trả giao dịch và tính phí (ngoài việc yêu cầu hoàn trả số tiền thấu chi). Quý vị cũng có thể chi trả khoản thấu chi bằng cách chuyển tiền từ tài khoản liên kết, thẻ tín dụng hoặc hạn mức tín dụng.</p><p data-block-key="7ugeh"><br/></p><hr/><p data-block-key="cbciv"></p><h2 data-block-key="frcam"><b>Hạn mức tín dụng cá nhân (Personal line of credit)</b></h2><p data-block-key="2gv1i">Hạn mức tín dụng cá nhân là khoản vay mà quý vị có thể sử dụng đôi lần. Quý vị viết ngân phiếu đặc biệt hoặc yêu cầu chuyển khoản vào tài khoản ngân phiếu của mình qua điện thoại hoặc trực tuyến.</p><p data-block-key="326lg">Giống như tài khoản thẻ tín dụng, quý vị có giới hạn tín dụng, nhận hóa đơn hàng tháng, thực hiện ít nhất một khoản tiền trả tối thiểu, trả lãi dựa trên số dư nợ chưa trả và có thể trả phí mỗi khi quý vị sử dụng tài khoản.</p><p data-block-key="9efm3">Hạn mức tín dụng cá nhân không được bảo đảm, không giống như Hạn Mức Tín Dụng Cho Vốn Chủ Sở Hữu (HELOC) được đảm bảo bằng khoản vay thế chấp nhà. Hạn mức tín dụng cá nhân do ngân hàng và công đoàn tín dụng cung cấp, đồng thời thường yêu cầu quý vị phải có cả tài khoản ngân phiếu với cùng một tổ chức.</p><p data-block-key="5hujv"><br/></p><hr/><p data-block-key="195ko"></p><h2 data-block-key="c7qnq"><b>Quyền luật sư (Power of attorney)</b></h2><p data-block-key="6glro">Quyền luật sư (POA) là tài liệu pháp lý cho phép người khác hành động thay mặt quý vị. Uỷ quyền POA là cách chỉ định một người quyết định thay và khá ít tốn kém, dù có thể cần đến luật sư giúp đỡ.</p><p data-block-key="ffk9">POA tài chính có thể sử dụng làm công cụ lập kế hoạch cho tình trạng mất năng lực trong tương lai – không có khả năng đưa ra các quyết định tài chính do, chẳng hạn như chứng mất trí nhớ, chấn thương sọ não hoặc một số tình trạng suy yếu khác ảnh hưởng đến chức năng tinh thần. Khi dùng để lập kế hoạch trước, POA thường “có hiệu lực lâu dài”. Nghĩa là quyền này tiếp tục có hiệu lực ngay cả khi người uỷ quyền bị mất khả năng. Hãy đọc tiếp để tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/1149" href="/ask-cfpb/what-is-a-power-of-attorney-poa-en-1149/">quyền luật sư (POA)</a>. <br/><br/></p><hr/><p data-block-key="1vhou"></p><h2 data-block-key="1civq"><b>Người trả tiền đại diện (Representative payee)</b></h2><p data-block-key="91l59">Cơ Quan Quản Lý An Sinh Xã Hội (SSA) chỉ định một cá nhân làm người trả tiền đại diện cho một người cần trợ giúp quản lý các khoản thanh toán quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp (SSI) của họ. Người trả tiền đại diện chỉ có thể quản lý ngân phiếu quyền lợi do SSA trả. Nếu người hưởng quyền lợi có tiền hoặc tài sản khác mà họ không thể quản lý, thì người trả tiền đại diện phải có thẩm quyền hợp pháp từ một nguồn khác để quản lý các khoản tiền khác. Người trả tiền đại diện cũng có thể được tòa án chỉ định là <a class="" data-pretty-href="cfpb.gov/askcfpb/1773" href="/ask-cfpb/what-is-a-guardian-of-property-en-1773/">người bảo vệ tài sản</a>. Với tư cách là người trả tiền đại diện cho An Sinh Xã Hội, quý vị là <a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">người nhận ủy thác</a>.</p><p data-block-key="3pd80">Để biết thêm thông tin về người trả tiền đại diện, hãy đọc <a href="/consumer-tools/managing-someone-elses-money/">hướng dẫn</a> này về cách quản lý tiền của người khác.<br/><br/></p><hr/><p data-block-key="a5f2c"></p><h2 data-block-key="43hmu"><b>Uỷ thác di chúc có thể hủy bỏ (Revocable living trust)</b></h2><p data-block-key="fhs6u">Uỷ thác di chúc có thể hủy bỏ là tài liệu pháp lý cho phép quý vị đưa ra quyết định về tiền hoặc tài sản đang được ủy thác của người khác.</p><p data-block-key="blmci"><a class="" data-pretty-href="cfpb.gov/askcfpb/1775" href="/ask-cfpb/what-is-a-revocable-living-trust-en-1775/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="53qac"></p><h2 data-block-key="b1fsf"><b>Người trả tiền đại diện An Sinh Xã Hội (Social Security representative payee)</b></h2><p data-block-key="8t91i">Người trả tiền đại diện do Cơ Quan Quản Lý An Sinh Xã Hội chỉ định cho một người khác cần trợ giúp quản lý khoản tiền trả quyền lợi An Sinh Xã Hội hoặc Thu Nhập Bảo Đảm Được Trợ Cấp của họ.</p><p data-block-key="30usu"><a class="" data-pretty-href="cfpb.gov/askcfpb/1779" href="/ask-cfpb/what-is-a-social-security-representative-payee-en-1779/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="anct0"></p><h2 data-block-key="78nh8"><b>Người được ủy thác do Bộ Cựu Chiến Binh (VA fiduciary)</b></h2><p data-block-key="3ael6"><a class="" data-pretty-href="cfpb.gov/askcfpb/1769" href="/ask-cfpb/what-is-a-fiduciary-en-1769/">Người nhận uỷ thác</a> là người quản lý tiền hoặc tài sản cho người khác. Bộ Cựu Chiến Binh (VA) chỉ định người được ủy thác do bộ cựu chiến binh quản lý các quyền lợi của cựu chiến binh cho người không thể tự quản lý tiền.</p><p data-block-key="c1oa0"><a>Đọc thêm (bằng tiếng Anh)</a></p>
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diff --git a/www.consumerfinance.gov/language/vi/credit-card-key-terms/index.html b/www.consumerfinance.gov/language/vi/credit-card-key-terms/index.html
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+++ b/www.consumerfinance.gov/language/vi/credit-card-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
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+        Coronavirus Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
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+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+       >
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+                aria-label="Enforcement"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+       >
+        Industry Whistleblowers
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+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/auto-loans-key-terms/>
+    Các thuật ngữ chính về khoản vay mua xe
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+    Thuật ngữ chính về tài khoản ngân hàng
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+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+    Thuật ngữ chính về thẻ tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+   href=/language/vi/credit-reports-and-scores-key-terms/>
+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/debt-collection-key-terms/>
+    Thuật ngữ chính về  thu nợ
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/fraud-key-terms/>
+    Các thuật ngữ chính về hành vi lừa đảo
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+   href=/language/vi/mortgages-key-terms/>
+    Thuật ngữ chính về khoản vay thế chấp
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+        </aside>
+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit card key terms (in Vietnamese)</div>
+<h1>Thuật ngữ chính về thẻ tín dụng</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-card-key-terms/"
+                lang="en"
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+            </li>
+            <li>
+                <a href="/language/zh/credit-card-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/credit-card-key-terms/"
+                lang="ko"
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+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-card-key-terms/"
+                lang="tl"
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+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/credit-card-key-terms/"
+                lang="ru"
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+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/credit-card-key-terms/"
+                lang="ar"
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+                translate="no">العربية
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+                <a href="/language/ht/credit-card-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
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+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Mức lãi suất theo phần trăm mỗi năm (Annual percentage rate - APR)</b></h2><p data-block-key="53a2a">APR hoặc mức lãi suất theo phần trăm mỗi năm là cách tiêu chuẩn để so sánh chi phí của khoản vay. Dữ liệu này tạo điều kiện cho quý vị so sánh chi phí của các sản phẩm cho vay trên cơ sở “ngang bằng”. Công ty phát hành thẻ tín dụng phải tiết lộ APR trước khi quý vị đồng ý sử dụng thẻ.</p><p data-block-key="7vdcr">Để tính APR, lãi suất và phí được so sánh với số tiền quý vị vay, cũng như được tính trong khoảng thời gian 1 năm. Qua đó, quý vị có thể so sánh chi phí của thẻ tín dụng với khoản vay trả góp trong 6 tháng. Đây cũng là lý do APR thường khác với lãi suất đơn thuần.<br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Chuyển nhượng số dư (Balance transfer)</b></h2><p data-block-key="77dn0">Chuyển nhượng số dư tạo điều kiện cho quý vị chuyển số dư nợ chưa trả từ thẻ tín dụng này sang thẻ tín dụng khác, đôi khi có mất phí. Phí thường là tỷ lệ phần trăm nhất định của số tiền quý vị chuyển hoặc số tiền cố định, tùy theo số tiền nào nhiều hơn. Nhiều công ty thẻ tín dụng cung cấp dịch vụ chuyển nhượng số dư 0% hoặc lãi suất thấp để mời quý vị hợp nhất khoản nợ của mình trên một thẻ tín dụng. Lãi suất khuyến mại của hầu hết các lần chuyển nhượng số dư kéo dài trong khoảng thời gian giới hạn. Sau đó, lãi suất trên thẻ tín dụng mới của quý vị có thể tăng lên, làm tăng số tiền trả của quý vị.</p><p data-block-key="ekocn">Nếu quý vị trả trễ hơn 60 ngày, công ty phát hành thẻ tín dụng có thể tăng lãi suất của quý vị cho tất cả số dư nợ, kể cả số dư đã chuyển.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Số dư tín dụng (Credit balance)</b></h2><p data-block-key="458a2">Số dư tín dụng trên bảng sao kê chi trả là số tiền mà công ty phát hành thẻ nợ quý vị.</p><p data-block-key="5c11c">Tín dụng được thêm vào tài khoản của quý vị mỗi khi quý vị trả. Tín dụng cũng có thể được thêm vào khi quý vị trả lại thứ gì đó mình đã mua bằng thẻ tín dụng, vì phần thưởng quý vị đã kiếm được hoặc do nhầm lẫn trong hóa đơn trước đó. Nếu tổng số tín dụng vượt quá số tiền quý vị nợ, bảng sao kê của quý vị sẽ hiển thị số dư tín dụng.</p><p data-block-key="7fsgl"><a class="" data-pretty-href="cfpb.gov/askcfpb/42" href="/ask-cfpb/there-is-a-credit-balance-shown-on-my-statement-what-is-a-credit-balance-en-42/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Lãi suất định kỳ hàng ngày (Daily periodic rate)</b></h2><p data-block-key="d1q7o">Một số công ty phát hành thẻ tính lãi trên tài khoản bằng cách sử dụng lãi suất định kỳ hàng ngày nhằm tính lãi bằng cách nhân lãi suất với số tiền nợ vào cuối ngày. Số tiền lãi này sau đó được cộng vào số dư của ngày hôm trước, có nghĩa là tiền lãi được gộp hàng ngày.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Thời gian ân hạn (Grace period)</b></h2><p data-block-key="5raak">Thời gian ân hạn là khoảng thời gian từ khi kết thúc chu kỳ chi trả đến ngày đến hạn trả. Trong thời gian này, quý vị có thể không bị tính lãi, miễn là quý vị trả đầy đủ số dư của mình trước ngày đáo hạn. Các công ty thẻ tín dụng không bắt buộc phải đưa ra thời gian ân hạn. Tuy nhiên, hầu hết các thẻ tín dụng đều cung cấp thời gian ân hạn khi quý vị mua hàng.  </p><p data-block-key="e4sl9"><a class="" data-pretty-href="cfpb.gov/askcfpb/47" href="/ask-cfpb/what-is-a-grace-period-for-a-credit-card-en-47/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Lãi suất (Interest rate)</b></h2><p data-block-key="fa52">Lãi suất của thẻ tín dụng là mức giá quý vị phải trả khi vay tiền. Đối với thẻ tín dụng, lãi suất thường được ghi là lãi suất hàng năm và đây gọi là mức lãi suất theo phần trăm mỗi năm (APR). Trên hầu hết các thẻ, quý vị có thể tránh phải trả lãi khi mua hàng nếu trả đầy đủ số dư nợ mỗi tháng trước ngày đáo hạn.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Ưu đãi thẻ tín dụng sàng lọc trước (Prescreened credit card offer)</b></h2><p data-block-key="evdd2">Ưu đãi thẻ tín dụng sàng lọc trước là khi các công ty phát hành thẻ tín dụng sử dụng thông tin từ công ty báo cáo tín dụng để cung cấp tín dụng chắc chắn cho quý vị nếu lịch sử dùng tín dụng của quý vị đáp ứng tiêu chí do công ty thẻ đó lựa chọn.</p><p data-block-key="6042o"><a class="" data-pretty-href="cfpb.gov/askcfpb/1" href="/ask-cfpb/what-is-a-prescreened-credit-card-offer-en-1/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Sử dụng trái phép (Unauthorized use)</b></h2><p data-block-key="68mkk">Nói chung, hành vi sử dụng trái phép là khi một người không có quyền dùng thẻ tín dụng sử dụng thẻ đó. Ví dụ: nếu quý vị làm mất thẻ của mình, rồi ai đó tìm thấy và sử dụng thẻ đó, đây sẽ là hành vi sử dụng trái phép.  </p><p data-block-key="4o687"><a class="" data-pretty-href="cfpb.gov/askcfpb/26" href="/ask-cfpb/what-is-an-unauthorized-use-of-a-credit-card-en-26/">Đọc thêm (bằng tiếng Anh)</a></p>
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diff --git a/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html
new file mode 100644
index 000000000000..39cd2c1cb76d
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/credit-reports-and-scores-key-terms/index.html
@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
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+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Industry Whistleblowers
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
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+       href="/data-research/small-business-lending/"
+       >
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+</li>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+    >
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+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
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+                    </ul>
+                </div>
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+    Các thuật ngữ chính về khoản vay mua xe
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+    Thuật ngữ chính về thẻ tín dụng
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+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+    Thuật ngữ chính về  thu nợ
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
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+<a class="o-secondary-nav_link
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+        <div class="u-layout-grid_main"
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+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit reports and scores key terms (in Vietnamese)</div>
+<h1>Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng</h1>
+<div class="block block__sub">
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+                lang="en"
+                hreflang="en"
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+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/credit-reports-and-scores-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/credit-reports-and-scores-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-reports-and-scores-key-terms/"
+                lang="tl"
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+                lang="ar"
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+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-reports-and-scores-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Kiểm tra tín dụng (Credit inquiry)</b></h2><p data-block-key="13oe8">Cuộc kiểm tra đề cập đến yêu cầu xem xét hồ sơ tín dụng và thường thuộc 1 trong 2 loại.</p><p data-block-key="4473o"><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b><span id="creditinvisible">Người có tín dụng vô hình</span> (Credit invisible)</b></h2><p data-block-key="2csu1">Vào năm 2015, chúng tôi đã <a href="/about-us/blog/who-are-credit-invisible/">đăng báo cáo</a> cho biết 26 triệu người Mỹ là “có tín dụng vô hình”. Con số này chỉ ra rằng cứ 10 người lớn thì có 1 người không có bất kỳ lịch sử dùng tín dụng nào với 1 trong 3 công ty báo cáo tín dụng trên toàn quốc. Thêm 19 triệu người tiêu dùng có hồ sơ tín dụng “không thể tính điểm”. Nghĩa là hồ sơ của họ ngắn và có lịch sử dùng tín dụng không đầy đủ (9,9 triệu người) hoặc hồ sơ cũ và thiếu lịch sử dùng tín dụng gần đây (9,6 triệu người). Tóm lại, có 45 triệu người tiêu dùng có thể không sử dụng được tín dụng vì không có hồ sơ tín dụng tính điểm được. Người có tín dụng vô hình hoặc không thể tính điểm thường không tiếp cận được với tín dụng chất lượng và có thể phải đối mặt với một loạt vấn đề, từ việc cố gắng có được tín dụng cho đến việc thuê căn hộ.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Dịch vụ giám sát tín dụng (Credit monitoring service)</b></h2><p data-block-key="80qkt">Dịch vụ giám sát tín dụng là dịch vụ thương mại tính phí để xem <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">các bản báo cáo điểm và lịch sử dùng tín dụng</a> của quý vị, rồi thông báo cho quý vị về những thay đổi đối với những tài khoản liệt kê trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị.</p><p data-block-key="fgcfg"><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)</b></h2><p data-block-key="2ft51">Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng của quý vị và tình hình tín dụng hiện tại, chẳng hạn như lịch sử trả khoản vay và tình trạng tài khoản tín dụng của quý vị.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Công ty báo cáo tín dụng (Credit reporting company)</b></h2><p data-block-key="1n4kp">Công ty báo cáo tín dụng (còn gọi là văn phòng tín dụng hoặc cơ quan báo cáo cho người tiêu dùng) là công ty tổng hợp và bán bản báo cáo điểm và lịch sử dùng tín dụng.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Điểm tín dụng (Credit score)</b></h2><p data-block-key="3ca47">Điểm tín dụng dự đoán khả năng quý vị trả lại khoản vay đúng hạn. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Quý vị cần biết rằng mình không chỉ có “một” điểm tín dụng mà còn có nhiều điểm tín dụng dành cho quý vị cũng như người cho vay. Mọi điểm tín dụng đều phụ thuộc vào dữ liệu được sử dụng để tính toán và có thể khác nhau tùy vào mô hình tính điểm, nguồn lịch sử tín dụng của quý vị, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Đạo Luật Báo Cáo Tín Dụng Trung Thực (Fair Credit Reporting Act)</b></h2><p data-block-key="emata">Đạo Luật Báo Cáo Tín Dụng Trung Thực (FCRA) của liên bang thúc đẩy tính chính xác, công bằng và quyền riêng tư về thông tin trong hồ sơ của các cơ quan báo cáo cho người tiêu dùng. Có nhiều loại cơ quan báo cáo cho người tiêu dùng, bao gồm văn phòng tín dụng và cơ quan chuyên môn (ví dụ: cơ quan bán thông tin về lịch sử viết ngân phiếu, hồ sơ y tế và hồ sơ lịch sử cho thuê). Tìm hiểu thêm về <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">các quyền chính của quý vị theo FCRA</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Điểm FICO (FICO score)</b></h2><p data-block-key="6t7jd">Điểm FICO® là một loại điểm tín dụng cụ thể.  </p><p data-block-key="d576t"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>Thông báo lừa đảo (Fraud alert)</b></h2><p data-block-key="3stln">Thông báo lừa đảo yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có dựa trên yêu cầu của người tiêu dùng. Khi quý vị đặt thông báo lừa đảo trong <a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">bản báo cáo điểm và lịch sử dùng tín dụng</a> của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những người khác. Có 2 loại thông báo lừa đảo chính: thông báo lừa đảo ban đầu và thông báo mở rộng.<br/><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>Giám sát danh tính hoặc chống đánh cắp thông tin định danh (Identity monitoring or identity theft protection)</b></h2><p data-block-key="6p9v7">Dịch vụ chống đánh cắp thông tin định danh giám sát thông tin nhận dạng cá nhân trong bản đăng ký dùng tín dụng, hồ sơ công khai, trang web và những nơi khác để phát hiện bất kỳ hoạt động bất thường nào có thể là dấu hiệu của hành vi đánh cắp thông tin định danh.</p><p data-block-key="a1uv8"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>Hành vi đánh cắp thông tin định danh (Identity theft)</b></h2><p data-block-key="617ql">Hành vi đánh cắp thông tin định danh xảy ra khi ai đó đánh cắp thông tin định danh của quý vị để thực hiện hành vi lừa đảo. Đánh cắp thông tin định danh của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như:</p><ul><li data-block-key="d5n4q">Tên quý vị</li><li data-block-key="85nnk">Số An Sinh Xã Hội</li><li data-block-key="8mroj">Số thẻ tín dụng<br/><br/></li></ul><hr/><h2 data-block-key="8qib"><br/><b>Thông báo đang phục vụ quân đội (Military active duty alert)</b></h2><p data-block-key="8kc1l">Thành viên quân đội (ví dụ: thành viên của Thủy Quân Lục Chiến, Quân Đội, Hải Quân, Không Quân và Lính Tuần Duyên) có thể yêu cầu thông báo đang phục vụ quân đội. Khi quý vị đặt thông báo đang phục vụ quân đội trên bản báo cáo điểm và lịch sử dùng tín dụng của mình, người cho vay phải thực hiện các bước hợp lý để đảm bảo rằng người đưa ra yêu cầu thực sự là quý vị trước khi mở tài khoản, phát hành thẻ tín dụng bổ sung cho tài khoản hiện có hoặc tăng hạn mức tín dụng cho tài khoản hiện có. Thông báo đang phục vụ quân đội kéo dài trong 12 tháng. Tên của quý vị cũng sẽ bị xóa khỏi danh sách tiếp thị sàng lọc trước của các công ty báo cáo tín dụng trên toàn quốc đối với ưu đãi tín dụng và bảo hiểm trong 2 năm.<br/><br/></p><hr/><h2 data-block-key="562ft"><br/><b>Khoản nợ đã trả (Paid collection)</b></h2><p data-block-key="6h3mi">Khoản nợ đã trả là tài khoản được đưa vào khoản thu nợ vì quá hạn và sau đó đã đượctrả.</p><p data-block-key="fesaa"><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="/ask-cfpb/what-is-a-paid-collection-en-1383/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="3hiut"><br/><b>Bảo mật đóng băng (Security freeze)</b></h2><p data-block-key="aubgs">Tình trạng “bảo mật đóng băng” trên bản báo cáo điểm và lịch sử dùng tín dụng của quý vị ngăn người cho vay mới tiếp cận hồ sơ tín dụng của quý vị và những người khác mở tài khoản dưới tên quý vị cho đến khi quý vị gỡ bỏ tình trạng đóng băng. Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu chưa kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, tình trạng đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị.<br/><br/></p><hr/><h2 data-block-key="fnlui"><br/><b>Công ty báo cáo cho người tiêu dùng chuyên biệt (Specialty consumer reporting company)</b></h2><p data-block-key="3fubn">Công ty báo cáo cho người tiêu dùng chuyên biệt thu thập và chia sẻ thông tin về lịch sử việc làm, lịch sử giao dịch của quý vị với một doanh nghiệp hoặc lịch sử trả nợ cho sản phẩm hoặc dịch vụ cụ thể.<br/><br/></p><hr/><h2 data-block-key="blqfc"><br/><b>Báo cáo sàng lọc người thuê nhà (Tenant screening report)</b></h2><p data-block-key="8hij4">Chủ đất sử dụng loại báo cáo này để giúp đưa ra quyết định về người thuê nhà tiềm năng. Báo cáo sàng lọc người thuê nhà có thể chứa thông tin từ nhiều nguồn, bao gồm lịch sử tiền thuê của quý vị cũng như bản báo cáo điểm và lịch sử dùng tín dụng.</p><p data-block-key="lru9"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="9ebls"><br/><b>Hồ sơ tín dụng ngắn / Không có hồ sơ tín dụng (Thin credit file / No credit file)</b></h2><p data-block-key="d3v1k">Hồ sơ tín dụng ngắn hoặc không có hồ sơ tín dụng có nghĩa là một người không có lịch sử tín dụng hoặc không đủ lịch sử tín dụng hiện tại để tạo ra điểm tín dụng. Xem: <a href="#creditinvisible">Người có tín dụng vô hình</a></p>
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diff --git a/www.consumerfinance.gov/language/vi/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/vi/debt-collection-key-terms/index.html
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@@ -0,0 +1,1484 @@
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+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
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+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
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+        Submit a Complaint
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+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                            href="/complaint/">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Notices and Opportunities to Comment
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+    >
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+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
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+                aria-label="Enforcement"
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+    >
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+    >
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+        Compliance
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+   href=/language/vi/credit-reports-and-scores-key-terms/>
+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Thuật ngữ chính về  thu nợ
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/fraud-key-terms/>
+    Các thuật ngữ chính về hành vi lừa đảo
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/mortgages-key-terms/>
+    Thuật ngữ chính về khoản vay thế chấp
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Vietnamese)</div>
+<h1>Thuật ngữ chính về  thu nợ</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/debt-collection-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/debt-collection-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/debt-collection-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/debt-collection-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/debt-collection-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/debt-collection-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/debt-collection-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Cố vấn viên tín dụng (Credit counselor)</b></h2><p data-block-key="50r75">Cố vấn viên tín dụng có thể hỗ trợ những nội dung sau:</p><ul><li data-block-key="88e7e">Tư vấn cho quý vị cách quản lý tiền và nợ</li><li data-block-key="17etl">Trợ giúp quý vị lập ngân sách</li><li data-block-key="26c5h">Thường cung cấp tài liệu hướng dẫn và buổi hội thảo miễn phí</li><li data-block-key="bp19s">Thông thường, <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">cố vấn viên tín dụng</a> được chứng nhận và đào tạo trong các lĩnh vực tín dụng tiêu dùng, quản lý tiền và nợ, cũng như lập ngân sách. Cố vấn viên thảo luận về toàn bộ tình hình tài chính của quý vị với quý vị và hỗ trợ quý vị phát triển kế hoạch cá nhân để giải quyết các vấn đề về tiền bạc của quý vị. <br/><br/></li></ul><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>Quy Tắc Thu Nợ (Debt Collection Rule)</b></h2><p data-block-key="aigon">CFPB đã ban hành “quy tắc” có hiệu lực vào ngày 30 tháng 11 năm 2021 để làm rõ và diễn giải Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) của liên bang.</p><p data-block-key="fqe2o"><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>Người thu nợ (Debt collector)</b></h2><p data-block-key="97b39">Theo Đạo Luật Thực Hành Đòi Nợ Công Bằng của liên bang, người thu nợ nói chung là cá nhân hoặc công ty thường xuyên thu các khoản nợ của người khác, thường là khi khoản nợ đó đã quá hạn.</p><p data-block-key="7a57t">Người thu nợ bao gồm cơ quan thu nợ hoặc luật sư thu nợ trong công việc kinh doanh của họ. Cũng có những công ty mua các khoản nợ quá hạn từ người cho vay hoặc doanh nghiệp khác và sau đó cố thu khoản nợ đó. Những người thu nợ này còn gọi là cơ quan thu nợ, công ty thu nợ hoặc bên mua nợ.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Dịch vụ xử lý nợ (miễn trừ nợ) (Debt settlement (relief) services)</b></h2><p data-block-key="43ghv">Công ty xử lý nợ là công ty cho biết họ có thể đàm phán lại, dàn xếp hoặc theo một cách nào đó thay đổi các điều khoản về khoản nợ của một người với người cho vay hoặc người thu nợ. Quý vị có thể gặp rủi ro khi đối phó với các công ty xử lý nợ.</p><p data-block-key="58dbp"><a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">Đọc bằng Tiếng Anh</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Đạo Luật Thực Hành Đòi Nợ Công Bằng (Fair Debt Collection Practices Act - FDCPA)</b></h2><p data-block-key="34pfa">Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) là luật liên bang chính điều chỉnh các hoạt động thu nợ. FDCPA nghiêm cấm các công ty thu nợ sử dụng các cách làm lạm dụng, không công bằng hoặc lừa đảo để thu nợ từ quý vị. <a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/">Đọc bằng Tiếng Anh</a> thông tin về các quyền của quý vị theo FDCPA.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Sai áp (Garnishment)</b></h2><p data-block-key="9k5mo"><a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">Hành động sai áp tiền lương hoặc tài khoản ngân hàng</a> xảy ra khi người cho vay lấy một phần tiền lương hoặc tiền từ tài khoản ngân hàng của quý vị để thu số tiền quý vị nợ. Hành động sai áp thường cần lệnh của tòa án xuất phát từ một <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">phán quyết</a>. Tuy nhiên, một số khoản nợ của chính phủ cũng có thể dẫn đến việc sai áp, ngay cả khi không có phán quyết.</p><p data-block-key="a6ja">Luật tiểu bang và liên bang có các giới hạn hoặc “miễn trừ” áp dụng khi sai áp tài khoản ngân hàng và tiền lương, thường là để đảm bảo quý vị còn tiền để sống. Việc người thu nợ đe dọa sẽ sai áp tiền lương của quý vị nếu tiền lương của quý vị không thể sai áp một cách hợp pháp cũng là hành vi vi phạm Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA).<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Bị người thu nợ quấy rối (Harassment by a debt collector)</b></h2><p data-block-key="6i28l">Đạo Luật Thực Hành Đòi Nợ Công Bằng (FDCPA) cho biết người thu nợ không được quấy rối, áp bức hoặc lạm dụng quý vị hoặc bất kỳ ai khác mà họ liên lạc.</p><p data-block-key="ch347">Hành vi quấy rối của người thu nợ quấy rối có thể diễn ra dưới nhiều hình thức khác nhau. Ví dụ bao gồm các cuộc gọi điện thoại lặp đi lặp lại nhằm làm phiền, lạm dụng hoặc quấy rối quý vị hoặc bất kỳ người nào trả lời điện thoại; ngôn từ tục tĩu; đe dọa bạo lực hoặc gây tổn hại; công bố danh sách những người từ chối trả nợ (trong đó không bao gồm việc báo cáo thông tin cho công ty báo cáo tín dụng); và gọi cho quý vị mà không cho quý vị biết họ là ai.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Phán quyết (Judgment)</b></h2><p data-block-key="5jib1">Phán quyết là kết quả chính thức của một vụ kiện tại tòa án. Trong vụ kiện thu nợ, thẩm phán có thể đưa ra phán quyết đối với người cho vay hoặc <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">người thu nợ</a> quý vị. Nếu không phản hồi khiếu nại pháp lý, quý vị sẽ mất cơ hội tự bảo vệ mình và có thể thấy rằng phán quyết được đưa ra chống lại quý vị.</p><p data-block-key="cus31">Nếu ai đó kiện quý vị hoặc nếu ai đó đã nhận được phán quyết chống lại quý vị và quý vị không biết phải làm gì, hãy nói chuyện với luật sư. Một số luật sư có thể cung cấp dịch vụ miễn phí hoặc giảm phí dịch vụ. Cũng có thể có các <a class="a-link a-link__icon" href="http://www.lsc.gov/find-legal-aid"><span class="a-link_text">văn phòng trợ giúp pháp lý</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> hoặc phòng hỗ trợ pháp lý trong khu vực của quý vị cung cấp dịch vụ miễn phí nếu quý vị đáp ứng tiêu chí nhất định. Quân nhân nên tham khảo <a class="a-link a-link__icon" data-pretty-href="https://legalassistance.law.af.mil/" href="/external-site/?ext_url=https%3A%2F%2Flegalassistance.law.af.mil%2F&amp;signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU"><span class="a-link_text">văn phòng JAG tại địa phương</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>.<br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>Tin Nhắn Có Nội Dung Hạn Chế (Limited-Content Message)</b></h2><p data-block-key="6ccg0">Theo Quy tắc Thu nợ, đây là tin nhắn thư thoại cho người tiêu dùng, phải chứa một số thông tin bắt buộc và có thể chứa nội dung tùy chọn khác.</p><p data-block-key="fabrf"><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>Người cho vay ban đầu (Original creditor)</b></h2><p data-block-key="3dnde">Nói chung, người cho vay ban đầu là công ty đã cho quý vị vay hoặc tín dụng. Người cho vay ban đầu có thể cố tự mình thu nợ tài khoản tín dụng quá hạn hoặc có thể thuê người thu nợ. Người cho vay ban đầu cũng có thể bán tài khoản tín dụng của quý vị cho người thu nợ. Người thu nợ nói chung là một bên thứ ba đã ký hợp đồng cụ thể để thu nợ trên tài khoản của quý vị hoặc ai đó đã mua từ người cho vay ban đầu, người thu nợ hay bên mua nợ khác.<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>Luật tố tụng (Statute of limitations)</b></h2><p data-block-key="5dnp0">Luật tố tụng là khoảng thời gian giới hạn mà người cho vay hoặc người thu nợ phải <a class="" data-pretty-href="cfpb.gov/askcfpb/334" href="/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/">khởi kiện</a> để thu nợ. Hầu hết luật tố tụng rơi vào khoảng từ 3-6 năm, mặc dù ở một số khu vực pháp lý, luật này có thể kéo dài lâu hơn. Luật tố tụng có thể khác nhau, tùy vào luật của tiểu bang, loại nợ mà quý vị có hoặc luật của tiểu bang có tên trong hợp đồng tín dụng của quý vị.<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>Thông Báo Xác Thực (Validation Notice)</b></h2><p data-block-key="4dpi9">Người thu nợ cần cung cấp một số thông tin nhất định khi lần đầu tiên giao tiếp với người tiêu dùng hoặc ngay sau đó. Khi người thu nợ cung cấp thông tin bắt buộc này bằng phương thức điện tử hoặc bằng văn bản, đây gọi là thông báo xác thực.</p>
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diff --git a/www.consumerfinance.gov/language/vi/fraud-key-terms/index.html b/www.consumerfinance.gov/language/vi/fraud-key-terms/index.html
new file mode 100644
index 000000000000..880c5dd1d2b7
--- /dev/null
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+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
+            </a>
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/auto-loans-key-terms/>
+    Các thuật ngữ chính về khoản vay mua xe
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/bank-accounts-key-terms/>
+    Thuật ngữ chính về tài khoản ngân hàng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-card-key-terms/>
+    Thuật ngữ chính về thẻ tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/credit-reports-and-scores-key-terms/>
+    Thuật ngữ chính về bản báo cáo điểm và lịch sử dùng tín dụng, cũng như điểm tín dụng
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/debt-collection-key-terms/>
+    Thuật ngữ chính về  thu nợ
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    Các thuật ngữ chính về hành vi lừa đảo
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/vi/mortgages-key-terms/>
+    Thuật ngữ chính về khoản vay thế chấp
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Vietnamese)</div>
+<h1>Các thuật ngữ chính về hành vi lừa đảo</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/fraud-key-terms/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/fraud-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/fraud-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/fraud-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/fraud-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>Sự trục lợi tài chính đối với người cao tuổi (Elder financial exploitation)</b></h2><p data-block-key="cf4sj">Sự trục lợi tài chính đối với người cao tuổi là việc sử dụng bất hợp pháp hoặc không đúng cách tiền, bất động sản hoặc tài sản của người cao tuổi. Đây là hình thức lạm dụng người cao tuổi phổ biến nhất, nhưng chỉ một phần nhỏ các vụ việc được báo cáo.</p><p data-block-key="7qiqp"></p><p data-block-key="557l3">Thủ phạm có thể là người xa lạ được người cao tuổi tin tưởng, nhưng cũng có thể là thành viên gia đình hoặc bạn bè. Quý vị cần nhận biết được các dấu hiệu cảnh báo.</p><p data-block-key="38lrh"><a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>Lừa đảo cứu trợ tịch thu tài sản thế chấp (Foreclosure relief scam)</b></h2><p data-block-key="b9kmo">Lừa đảo cứu trợ tịch thu tài sản thế chấp và điều chỉnh khoản vay thế chấp là âm mưu nhằm lấy tiền hoặc nhà của quý vị - thường bằng cách hứa hão rằng quý vị sẽ không bị tịch thu tài sản thế chấp. Những kẻ lừa đảo này có thể yêu cầu trả trước tiền và đảm bảo rằng quý vị có thể thay đổi các điều khoản vay thế chấp của mình. Nếu quý vị gặp khó khăn khi thanh toán khoản vay thế chấp, cơ quan cố vấn nhà ở được HUD phê duyệt có thể hướng dẫn miễn phí về các lựa chọn của quý vị.<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>Cảnh báo lừa đảo để phòng ngừa (Fraud alert for prevention)</b></h2><p data-block-key="mgm0">Cảnh báo lừa đảo là phương thức quý vị có thể sử dụng để giảm khả năng trở thành nạn nhân của hành vi đánh cắp thông tin định danh của tài khoản mới. Thông báo này yêu cầu người cho vay (khi kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị) phải thực hiện các bước xác minh danh tính của quý vị trước khi mở tài khoản mới, phát hành thẻ bổ sung hoặc tăng hạn mức tín dụng trên tài khoản hiện có. Khi quý vị đặt cảnh báo lừa đảo trong bản báo cáo điểm và lịch sử dùng tín dụng của mình tại một trong những công ty báo cáo tín dụng trên toàn quốc, công ty đó phải thông báo cho những công ty khác.</p><p data-block-key="btqrm">Có hai loại cảnh báo lừa đảo chính: cảnh báo lừa đảo ban đầu và cảnh báo mở rộng. Quân nhân có sẵn một tùy chọn bổ sung là thông báo đang phục vụ trong quân đội, qua đó cung cấp biện pháp bảo vệ cho quân nhân trong khi họ đang tại ngũ.</p><p data-block-key="4seqe"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Đọc thêm (bằng tiếng Anh)</a>.<br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>Lừa đảo bởi người được ủy thác (Fraud by fiduciaries)</b></h2><p data-block-key="e8619">Người được ủy thác là người quản lý tiền hoặc tài sản của người khác. Ví dụ: Người đại diện theo giấy ủy quyền và người giám hộ do tòa chỉ định là những người được ủy thác.</p><p data-block-key="8o49g">Khi được chỉ định là người được ủy thác, luật pháp yêu cầu quý vị phải quản lý tiền và tài sản của người đó vì lợi ích của họ chứ không phải của quý vị. Khi người được ủy thác tiêu tiền cho chính lợi ích của mình, đó có thể là hành vi lừa đảo.<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>Đánh cắp thông tin định danh (Identity theft)</b></h2><p data-block-key="4ulit">Hành vi đánh cắp thông tin định danh diễn ra khi ai đó đánh cắp danh tính của quý vị để thực hiện hành vi lừa đảo.</p><p data-block-key="aqftr">Đánh cắp danh tính của quý vị có thể có nghĩa là sử dụng trái phép thông tin cá nhân của quý vị, chẳng hạn như tên, số An Sinh Xã Hội, thông tin tài khoản ngân hàng hoặc số thẻ tín dụng của quý vị. <a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text">Ủy Ban Giao Dịch Liên Bang (Federal Trade Commission) cung cấp thông tin</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> về cách ngăn chặn và ứng phó với hành vi đánh cắp thông tin định danh.<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>Lừa đảo mạo danh (Imposter scams)</b></h2><p data-block-key="fj1hs">Kẻ lừa đảo mạo danh cố gắng thuyết phục quý vị gửi tiền bằng cách giả làm người mà quý vị quen biết hoặc tin tưởng như cảnh sát trưởng, nhân viên chính phủ địa phương, tiểu bang hoặc liên bang hoặc tổ chức từ thiện. Lưu ý rằng ID người gọi có thể bị làm giả. Quý vị luôn có thể gọi cho tổ chức hoặc cơ quan chính phủ và hỏi xem người đó có làm việc cho họ hay không trước khi đưa tiền.<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>Lừa đảo qua thư (Mail fraud)</b></h2><p data-block-key="51koe">Thư lừa đảo trông có vẻ giống thật nhưng những lời hứa là giả. Một dấu hiệu cảnh báo phổ biến là thư yêu cầu quý vị gửi ngay tiền hoặc thông tin cá nhân để nhận được thứ có giá trị sau khi quý vị gửi tiền hoặc thông tin.<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>Hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân (Phishing)</b></h2><p data-block-key="7no5v">Đối với hình thức lừa người dùng qua email hoặc tin nhắn giả để thu thập thông tin cá nhân, kẻ lừa đảo mạo danh một cá nhân hoặc doanh nghiệp để lừa quý vị cung cấp thông tin cá nhân của quý vị, chẳng hạn như mật khẩu, số thẻ tín dụng hoặc thông tin tài khoản ngân hàng. Người lừa đảo có thể sử dụng email, tin nhắn hoặc trang web lừa đảo để đánh cắp thông tin này từ quý vị. Những email này có thể trông chân thực.<br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>Đóng băng bảo mật để phòng ngừa (Security freeze for prevention)</b></h2><p data-block-key="d73br">Khi đóng băng bảo mật, quý vị ngăn không cho người cho vay mới tiếp cập hồ sơ tín dụng của quý vị và người khác mở tài khoản yêu cầu xét điểm tín dụng dưới tên của quý vị cho đến khi quý vị dỡ bỏ lệnh đóng băng.</p><p data-block-key="8148q">Vì hầu hết các doanh nghiệp sẽ không mở tài khoản tín dụng nếu không thể kiểm tra bản báo cáo điểm và lịch sử dùng tín dụng của quý vị, việc đóng băng có thể ngăn những kẻ đánh cắp thông tin định danh mở tài khoản mới dưới tên của quý vị. Hãy lưu ý rằng việc đóng băng không ngăn được kẻ đánh cắp thông tin định danh chiếm đoạt các tài khoản hiện có.</p><p data-block-key="1uml2"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">Đọc thêm (bằng tiếng Anh)</a>.<br/><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>Giả mạo (Spoofing)</b></h2><p data-block-key="80h05">Giả mạo xảy ra khi người gọi che giấu thông tin hiển thị trên ID người gọi của quý vị. Hành động này tạo điều kiện cho người gọi có khả năng ngụy trang hoặc "giả mạo" tên và/hoặc số điện thoại để có vẻ như họ đang gọi với tư cách là một người nhất định từ một địa điểm cụ thể.<br/><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>Lừa đảo chuyển tiền hoặc chuyển khoản (Wire or money transfer fraud)</b></h2><p data-block-key="ei9a2">Một số kẻ lừa đảo lừa quý vị chuyển tiền hoặc chuyển khoản để lấy cắp tiền của quý vị. Một ví dụ phổ biến về hành vi lừa đảo chuyển khoản là “lừa đảo các ông bà lớn tuổi”. Hành vi này xảy ra khi kẻ lừa đảo đóng giả là cháu hoặc bạn của cháu, gọi điện và nói rằng mình đang ở nước ngoài hoặc đang gặp rắc rối nào đó và cần chuyển tiền hoặc chuyển khoản ngay lập tức.</p>
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+</html>
\ No newline at end of file
diff --git a/www.consumerfinance.gov/language/vi/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/vi/how-to-avoid-foreclosure/index.html
new file mode 100644
index 000000000000..ace0d8b0cd45
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/how-to-avoid-foreclosure/index.html
@@ -0,0 +1,1425 @@
+<!DOCTYPE html>
+<html lang="vi" class="no-js">
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+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Resources for Helping Others
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
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+</li>
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
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+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
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+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+                    CFPB in Vietnamese
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+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Vietnamese)</div>
+<h1>Cách tránh bị tịch thu tài sản thế chấp</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/how-to-avoid-foreclosure/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/how-to-avoid-foreclosure/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/how-to-avoid-foreclosure/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/how-to-avoid-foreclosure/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">Điều quan trọng nhất quý vị có thể làm khi gặp khó khăn trong việc thanh toán thế chấp là kiểm soát tình hình. Trong hầu hết các trường hợp, điều tồi tệ nhất quý vị có thể làm là không làm gì cả. Kiểm soát có nghĩa là thực hiện 4 bước sau:</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc"><b>1. Gọi hoặc nhận cuộc gọi để được trợ giúp</b></h2><p data-block-key="ubq">Kiểm soát bằng cách nhận cuộc gọi từ bên dịch vụ thế chấp. Tốt hơn nữa, hãy gọi cho bên dịch vụ thế chấp ngay khi quý vị biết mình không thể thực hiện khoản thanh toán hàng tháng. Số điện thoại có trên hóa đơn hàng tháng. Cho bên dịch vụ biết lý do quý vị không thể thực hiện khoản thanh toán hàng tháng và yêu cầu bên dịch vụ trợ giúp để tránh bị tịch thu tài sản thế chấp.</p><h2 data-block-key="6o6eg"><b>2. Nhờ chuyên gia trợ giúp miễn phí</b></h2><p data-block-key="53a70">Bên dịch vụ có thể giúp đỡ nếu quý vị gặp rắc rối với các khoản thanh toán tiền vay. Nếu quý vị không thể nhận được những gì mình cần từ bên dịch vụ, hãy nhờ chuyên gia thuộc các cơ quan tư vấn về nhà cửa gần quý vị trợ giúp. Cố vấn viên có thể lập kế hoạch phù hợp và hỗ trợ quý vị làm việc với công ty thế chấp. Hãy truy cập trang <a href="/mortgagehelp/">consumerfinance.gov/mortgagehelp</a> hoặc gọi theo số (800) 569-4287 và nhập mã ZIP của quý vị để tìm cố vấn viên về nhà cửa được HUD phê duyệt.</p><h2 data-block-key="f8u0"><b>3. Ngăn chặn hành vi lừa đảo</b></h2><p data-block-key="8ruoi">Kẻ lừa đảo cố gắng lợi dụng chủ nhà đang gặp rắc rối bằng cách tính rất nhiều tiền—thậm chí hàng ngàn đô la—khi hứa giúp đỡ một cách sai sự thật. Quý vị không cần phải trả tiền cho bất cứ ai để giúp tránh bị tịch thu tài sản thế chấp. Quý vị nhận được sự trợ giúp cần thiết miễn phí từ bên dịch vụ hoặc thông qua cơ quan tư vấn về nhà cửa được HUD phê duyệt.</p><h2 data-block-key="5053b"><b>4. Nộp đơn xin trợ giúp</b></h2><p data-block-key="4a06g">Bên cho vay phải liên lạc với quý vị, cung cấp cho quý vị thông tin chính xác và cho quý vị biết về các phương án giảm thiểu tổn thất mà quý vị có thể đủ điều kiện. Giảm thiểu thiệt hại đề cập đến những cách mà bên dịch vụ có thể làm việc với quý vị để tránh bị tịch thu tài sản thế chấp. Nếu quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh cho bên dịch vụ thế chấp của mình, bên dịch vụ thế chấp phải cho quý vị biết các lựa chọn mà quý vị có để giữ lại hoặc rời khỏi ngôi nhà của mình (nếu hợp lý hơn).</p><p data-block-key="73skp">Cố vấn viên về nhà cửa có nhiều kinh nghiệm giúp mọi người tránh bị tịch thu nhà. Họ có thể hỗ trợ quý vị thực hiện các bước phức tạp để nắm được các lựa chọn và đăng ký trợ giúp.</p><p data-block-key="f04cm">Bên dịch vụ thế chấp không thể đưa ra thông báo đầu tiên hoặc nộp đơn yêu cầu tịch thu tài sản thế chấp cho đến khi quý vị chưa trả khoản thanh toán hơn 120 ngày. Ngoài ra, khi quý vị gửi sớm đơn xin trợ giúp hoàn chỉnh để được hỗ trợ thế chấp, bên dịch vụ thế chấp không thể bắt đầu tịch thu tài sản thế chấp trong quá trình quý vị được đánh giá hoặc nếu quý vị đang tuân thủ yêu cầu sửa đổi khoản vay. Vì vậy, hãy hoàn thành đơn xin và đừng trì hoãn. Quý vị hoàn thành đơn càng sớm thì càng được bảo vệ.</p><p data-block-key="eq9rd"></p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="2n95u">Cách phát hiện hành vi lừa đảo tịch thu tài sản thế chấp</h2><p data-block-key="f4rbl">Khi tịch thu tài sản thế chấp, kẻ lừa đảo có thể nói với quý vị rằng họ sẽ cứu quý vị khỏi bị tịch thu nhà, trong khi họ thực sự chỉ lấy tiền của quý vị.</p><p data-block-key="fcin2">Chú ý đến các dấu hiệu cảnh báo lừa đảo sau:</p><ul><li data-block-key="7dnkq">Quý vị cần trả trước để được giúp đỡ.</li><li data-block-key="72iq0">Công ty đảm bảo rằng họ sẽ thay đổi các điều khoản thế chấp của quý vị.</li><li data-block-key="ec35h">Công ty đảm bảo quý vị sẽ không bị mất nhà.</li><li data-block-key="1papl">Quý vị cần ký tên sang tên căn nhà của mình hoặc ký các tài liệu khác mà quý vị không hiểu.</li><li data-block-key="brvp8">Quý vị được hướng dẫn gửi khoản thanh toán cho người khác không phải là công ty hoặc bên dịch vụ thế chấp.</li><li data-block-key="6gjh">Công ty đề nghị thực hiện “kiểm toán điều tra”.</li><li data-block-key="c09i0">Quý vị được yêu cầu ngừng thanh toán khoản vay thế chấp.</li><li data-block-key="atdpc">Công ty cho biết họ có liên kết với chính phủ hoặc sử dụng logo trông gần giống với con dấu của chính phủ.</li></ul>
+</div>
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+                <h2 data-block-key="64tlc">Gửi khiếu nại về sản phẩm hoặc dịch vụ tài chính</h2><p data-block-key="akjsp">Mỗi tuần, chúng tôi gửi hơn 10.000 khiếu nại về sản phẩm và dịch vụ tài chính để các công ty trà lời. Nếu cơ quan khác có thể hỗ trợ tốt hơn, chúng tôi sẽ gửi cho họ và thông báo cho quý vị biết. Hầu hết các công ty trả lời trong vòng 15 ngày.</p><ul><li data-block-key="4jle0"><a href="/complaint/"><b>Trực tuyến</b></a><b> (bằng tiếng Anh)</b></li><li data-block-key="8d0e"><b>Hoặc qua điện thoại theo số (855) 411-2372 để được trợ giúp bằng tiếng Anh</b> và 180 ngôn ngữ khác. Các cuộc gọi thường được trả lời trong vòng chưa đầy 1 phút. Khiếu nại của quý vị sẽ được dịch sang tiếng Anh và gửi đến công ty để trả lời. Công ty thường trả lời bằng tiếng Anh, nhưng quý vị có thể gọi cho chúng tôi để nghe thông dịch lại phần trả lời.</li></ul>
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+    <p data-block-key="ccso7">Nou se Biwo Pwoteksyon Finansye Konsomatè a (CFPB), yon ajans gouvènman ameriken an ki la pou fè bank yo, pretè yo, ak lòt konpayi finansye yo trete ou san patipri.</p>
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diff --git a/www.consumerfinance.gov/language/vi/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/vi/mortgages-key-terms/index.html
new file mode 100644
index 000000000000..851aef04e4f7
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/mortgages-key-terms/index.html
@@ -0,0 +1,1484 @@
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    <div role="heading"
+                         aria-level="3"
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
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+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+    <div class="eyebrow">Mortgages key terms (in Vietnamese)</div>
+<h1>Thuật ngữ chính về khoản vay thế chấp</h1>
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+                lang="ht"
+                hreflang="ht"
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+                <h2 data-block-key="hr3ds"><b>Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh 5/1 (5/1 Adjustable Rate Mortgage)</b></h2><p data-block-key="ddbh8">Vay thế chấp với lãi suất được điều chỉnh (ARM) 5/1 hoặc ARM 5 năm là khoản vay thế chấp trong đó “5” là số năm mà lãi suất ban đầu được giữ nguyên. “1” thể hiện tần suất lãi suất sẽ điều chỉnh sau khi thời hạn 5 năm đầu tiên kết thúc. Các khoảng thời gian cố định phổ biến nhất là 3, 5, 7 và 10 năm và “1” là khoảng thời gian điều chỉnh phổ biến nhất. Quý vị cần đọc kỹ hợp đồng và đặt câu hỏi nếu đang cân nhắc ARM.</p><p data-block-key="44qhh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Tìm hiểu thêm về cách mức lãi suất có điều chỉnh thay đổi</a>.<br/><br/></p><hr/><h2 data-block-key="e8e37"><br/><b>Quy tắc khả năng trả nợ (Ability-to-repay rule)</b></h2><p data-block-key="f39o8">Quy tắc khả năng trả nợ là cách xác định thiện chí và hợp lý mà hầu hết người cho vay thế chấp cần thực hiện để đảm bảo rằng quý vị có thể trả lại khoản vay.</p><p data-block-key="ciu7d"><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="20mjf"></p><h2 data-block-key="8qcec"><b>Khoản Vay Thế Chấp Với Lãi Suất Được Điều Chỉnh (Adjustable Rate Mortgage - ARM)</b></h2><p data-block-key="ee3lj">Vay thế chấp với lãi suất được điều chỉnh (ARM) là loại khoản vay mà lãi suất có thể thay đổi, thường tăng giảm dựa trênlãi suất theo chỉ số. Khoản thanh toán hàng tháng của quý vị sẽ tăng hoặc giảm tùy vào thời hạn ban đầu của khoản vay, lãi trần và lãi suất theo chỉ số. Với ARM, lãi suất và khoản thanh toán hàng tháng có thể bắt đầu thấp hơn so với khoản vay thế chấp lãi suất cố định, nhưng cả lãi suất và khoản thanh toán hàng tháng đều có thể tăng đáng kể.  <br/></p><p data-block-key="ft3r7">Tìm hiểu thêm về <a href="/owning-a-home/loan-options/">cách thức hoạt động của ARM và những thông tin cần cân nhắc</a>.<br/><br/></p><hr/><h2 data-block-key="cuq9b"><br/><b>Sự trả dần mỗi tháng (Amortization)</b></h2><p data-block-key="bc528">Sự trả dần mỗi tháng có nghĩa là trả hết khoản vay bằng các khoản thanh toán định kỳ theo thời gian, qua đó số tiền quý vị nợ giảm dần sau mỗi lần thanh toán. Tuy hầu hết các khoản vay mua nhà đều là trả nợ dần mỗi tháng, nhưng một số khoản vay thế chấp không được trả nợ dần hoàn toàn. Nghĩa là quý vị vẫn còn nợ tiền sau khi thực hiện tất cả các khoản thanh toán của mình.</p><p data-block-key="a2r38"></p><p data-block-key="bf9ec">Một số khoản vay mua nhà cho phép khoản thanh toán chỉ chi trả số tiền lãi đến hạn hoặc số tiền ít hơn số tiền lãi đến hạn. Nếu khoản thanh toán ít hơn số tiền lãi đến hạn mỗi tháng, số dư nợ thế chấp sẽ tăng lên thay vì giảm. Đây gọi là khấu hao âm. Các chương trình cho vay khác không trả dần hết nợ trong thời gian vay có thể yêu cầu trả khoản thanh toán lớn nhất, một lần vào cuối thời hạn cho vay. Hãy đảm bảo rằng quý vị biết rõ loại khoản vay mình chọn.</p><p data-block-key="b4us6"><a href="https://www.consumerfinance.gov/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà</a>. <br/><br/></p><hr/><h2 data-block-key="23tal"><br/><b>Số tiền vốn vay nợ (Amount financed)</b></h2><p data-block-key="bc9cl">Nghĩa là số tiền quý vị đang vay từ người cho vay, trừ đi hầu hết các khoản phí trả trước mà người cho vay tính phí quý vị.  </p><p data-block-key="3d48q"><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="zke56"></p><hr/><h2 data-block-key="3q2jk"><b>Thu nhập hàng năm (Annual income)</b></h2><p data-block-key="66c15">Thu nhập hàng năm là một yếu tố trong đơn xin vay thế chấp và thường đề cập đến tổng thu nhập trước thuế mà quý vị kiếm được trong một năm. Thu nhập hàng năm có thể bao gồm thu nhập từ công việc toàn thời gian hoặc bán thời gian, tự kinh doanh, tiền boa, hoa hồng, làm thêm giờ, tiền thưởng hoặc các nguồn khác. Người cho vay sẽ sử dụng thông tin về thu nhập hàng năm và các khoản nợ hàng tháng hiện tại của quý vị để xác định xem quý vị có khả năng trả khoản vay hay không.</p><p data-block-key="arm3j">Việc người cho vay có dựa vào một nguồn thu nhập hoặc số tiền cụ thể khi xem xét cho quý vị vay hay không thường sẽ phụ thuộc vào việc liệu quý vị có tiếp tục nhận được thu nhập một cách hợp lý không.</p><p data-block-key="dakp7"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">Tìm hiểu thêm về lý do khả năng trả nợ của quý vị lại quan trọng đối với người cho vay</a>.<br/><br/></p><hr/><h2 data-block-key="1f1pr"><br/><b>Mức Lãi Suất Theo Phần Trăm Mỗi Năm (Annual Percentage Rate - APR)</b></h2><p data-block-key="alb59">Mức lãi suất theo phần trăm mỗi năm (APR) là thước đo rộng hơn về chi phí vay tiền so với lãi suất. APR phản ánh lãi suất, điểm mua giảm lãi suất, phí môi giới cho vay và các khoản phí khác mà quý vị phải trả khi vay. Vì vậy, APR thường cao hơn lãi suất.</p><p data-block-key="fis1v"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">Tìm hiểu cách so sánh APR</a><br/><br/></p><hr/><h2 data-block-key="46gqj"><br/><b>Phí thẩm định (Appraisal fee)</b></h2><p data-block-key="e0kh1">Phí thẩm định là chi phí thẩm định căn nhà mà quý vị dự định mua hoặc đã sở hữu. Việc thẩm định nhà cung cấp đánh giá độc lập về giá trị của tài sản. Trong hầu hết trường hợp, việc lựa chọn người thẩm định và bất kỳ chi phí liên quan sẽ tùy vào người cho vay.</p><p data-block-key="9387l"><a href="/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà</a>.<br/><br/></p><hr/><h2 data-block-key="cng2m"><br/><b>Thanh toán tự động (Automatic payment)</b></h2><p data-block-key="43nsa">Nhờ cách thanh toán tự động, quý vị có thể thiết lập khoản thanh toán thế chấp định kỳ thông qua ngân hàng của mình. Thanh toán tự động có thể là một cách thuận tiện để đảm bảo quý vị thanh toán đúng hạn.<br/><br/></p><hr/><h2 data-block-key="15rdv"><br/><b>Khoản vay trả số nợ lớn nhất vào đợt cuối cùng (Balloon loan)</b></h2><p data-block-key="97p94">Đối với các khoản thế chấp, khoản vay trả số nợ lớn nhất vào đợt cuối cùng (balloon loan) có nghĩa là khoản vay có khoản thanh toán một lần lớn hơn bình thường, thường là vào cuối thời hạn khoản vay. Khoản thanh toán một lần này gọi là “khoản trả góp lớn nhất (balloon payments)” và cao hơn các khoản thanh toán khác của quý vị, đôi khi cao hơn rất nhiều. Nếu không thể trả khoản trả góp lớn nhất này, quý vị có thể phải vay lại, bán nhà hoặc đối mặt với việc bị tịch thu tài sản thế chấp.</p><p data-block-key="5ovcg"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">Tìm hiểu lý do việc vay khoản vay trả số nợ lớn nhất vào đợt cuối cùng có thể rủi ro.</a><br/><br/></p><hr/><h2 data-block-key="17smf"><br/><b>Thanh toán hai tuần một lần (Bi-weekly payment)</b></h2><p data-block-key="6t2mv">Trong kế hoạch thanh toán hai tuần một lần, công ty dịch vụ thế chấp sẽ thu một nửa số tiền thanh toán hàng tháng của quý vị sau mỗi 2 tuần, tổng cộng là 26 khoản thanh toán trong suốt cả năm (thêm một khoản thanh toán hàng tháng bổ sung mỗi năm). Khi thực hiện thanh toán bổ sung và áp dụng các khoản thanh toán cho tiền gốc, quý vị có thể sớm trả hết khoản vay. Trước khi chọn thanh toán hai tuần một lần, đừng quên xem lại điều khoản vay để xem liệu quý vị có bị phạt trả trước nếu làm như vậy hay không. Kiểm tra xem nhà cung cấp dịch vụ có tính bất kỳ khoản phí nào đối với gói thanh toán hai tuần một lần hay không. Quý vị có thể hoàn thành mục tiêu tương tự mà không phải trả phí bằng cách trả thêm khoản thế chấp hàng tháng mỗi năm.<br/><br/></p><hr/><h2 data-block-key="dslgb"><br/><b>Tờ khai báo ký kết khoản vay thế chấp (Closing Disclosure)</b></h2><p data-block-key="9uc5e"></p><p data-block-key="9c48k">Tờ khai báo ký kết khoản vay thế chấp là mẫu đơn dài năm trang, bắt buộc cung cấp các chi tiết cuối cùng về khoản vay thế chấp mà quý vị đã chọn. Trong đó bao gồm điều khoản cho vay, khoản thanh toán hàng tháng dự kiến, số tiền cần trả cho các khoản phí và các chi phí khác để vay thế chấp.</p><p data-block-key="9ibqf"><a href="/owning-a-home/closing-disclosure/">Tìm hiểu cách kiểm tra kỹ xem tất cả chi tiết về khoản vay có chính xác trong tờ khai báo ký kết khoản vay thế chấp không</a>.<br/><br/></p><hr/><h2 data-block-key="7quo4"><br/><b>Tiền vay để xây cất (Construction loan)</b></h2><p data-block-key="74ff9">Tiền vay để xây cất thường là khoản vay ngắn hạn cung cấp tiền để trang trải chi phí xây dựng hoặc cải tạo nhà.</p><p data-block-key="4v7cs"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="/ask-cfpb/what-is-a-construction-loan-en-108/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="djrpu"></p><h2 data-block-key="8mc0q"><b>Khoản vay không do chính phủ hỗ trợ (Conventional loan)</b></h2><p data-block-key="cp4p5">Khoản vay không do chính phủ hỗ trợ là bất kỳ khoản vay thế chấp nào không được chính phủ bảo hiểm hoặc bảo lãnh (chẳng hạn như thông qua các chương trình cho vay của Cơ Quan Quản Lý Nhà Ở Liên Bang, Bộ Cựu Chiến Binh hoặc Bộ Nông Nghiệp).</p><p data-block-key="8k1mh">Tìm hiểu thêm về <a href="https://www.consumerfinance.gov/owning-a-home/loan-options/conventional-loans/">các khoản vay không do chính phủ hỗ trợ và loại khoản vay khác</a>. <br/><br/></p><hr/><h2 data-block-key="25sj0"><br/><b>Người đồng ký hoặc người cùng vay nợ (Co-signer or co-borrower)</b></h2><p data-block-key="28sg7">Người đồng ký hoặc người cùng vay nợ là người đồng ý chịu hoàn toàn trách nhiệm hoàn trả khoản vay thế chấp với quý vị. Người này có nghĩa vụ phải thanh toán bất kỳ khoản thanh toán nào bị lỡ và thậm chí là toàn bộ số tiền vay nếu quý vị không thanh toán. Một số chương trình vay thế chấp phân biệt người đồng ký là người không đứng tên và không có bất kỳ quyền sở hữu nào đối với ngôi nhà thế chấp. Khi có người đồng ký hoặc người cùng vay nợ để vay thế chấp, người cho vay có thêm sự đảm bảo rằng khoản vay sẽ được hoàn trả. Tuy nhiên, hồ sơ tín dụng và tài chính của người đồng ký hoặc người cùng vay nợ của quý vị sẽ gặp rủi ro nếu quý vị không trả nợ.</p><p data-block-key="403m5"><a href="https://www.consumerfinance.gov/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà</a>. <br/><br/></p><hr/><h2 data-block-key="ashhh"><br/><b>Lịch sử dùng tín dụng (Credit history)</b></h2><p data-block-key="b2o9q">Lịch sử dùng tín dụng là bản ghi các tài khoản tín dụng của quý vị và lịch sử thanh toán đúng hạn, thể hiện trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Công ty báo cáo cho người tiêu dùng (còn gọi là công ty báo cáo tín dụng) thu thập và cập nhật thông tin về hồ sơ tín dụng của quý vị và cung cấp thông tin đó cho các doanh nghiệp khác. Những doanh nghiệp này sẽ sử dụng thông tin nói trên để đưa ra quyết định về quý vị. Bản báo cáo điểm và lịch sử dùng tín dụng chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và trạng thái tài khoản tín dụng của quý vị.</p><p data-block-key="al8t1"><a href="/owning-a-home/prepare/check-your-credit/">Tìm hiểu thêm về cách kiểm tra lịch sử dùng tín dụng trước khi mua nhà</a>.<br/><br/></p><hr/><h2 data-block-key="78fgr"><br/><b>Bản báo cáo điểm và lịch sử dùng tín dụng (Credit report)</b></h2><p data-block-key="j1r9">Bản báo cáo điểm và lịch sử dùng tín dụng là bản báo cáo chứa thông tin về hoạt động tín dụng và tình hình tín dụng hiện tại của quý vị, chẳng hạn như lịch sử thanh toán khoản vay và tình trạng tài khoản tín dụng của quý vị. Người cho vay sử dụng điểm tín dụng của quý vị và thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị để xác định xem quý vị có đủ điều kiện vay hay không và mức lãi suất sẽ cung cấp cho quý vị.</p><p data-block-key="fnvip">Tìm hiểu cách <a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">nhận bản sao cho bản báo cáo điểm và lịch sử dùng tín dụng của quý vị</a>. <br/><br/></p><hr/><h2 data-block-key="afid1"><br/><b>Điểm tín dụng (Credit score)</b></h2><p data-block-key="fba4u">Điểm tín dụng dự đoán khả năng trả lại khoản vay đúng hạn của quý vị. Các công ty sử dụng công thức toán học - gọi là mô hình tính điểm - để tạo điểm tín dụng của quý vị từ thông tin trong bản báo cáo điểm và lịch sử dùng tín dụng của quý vị. Vì có nhiều mô hình tính điểm khác nhau nên quý vị không chỉ có một điểm tín dụng. Điểm của quý vị phụ thuộc vào lịch sử dùng tín dụng, loại sản phẩm cho vay và thậm chí cả ngày tính điểm.</p><p data-block-key="66dv2">Tìm hiểu <a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">nơi quý vị có thể nhận điểm tín dụng của mình</a>.<br/><br/></p><hr/><h2 data-block-key="4ul8r"><br/><b>Tỷ lệ nợ (Debt ratio)</b></h2><p data-block-key="9pot">Tỷ lệ nợ trên thu nhập là toàn bộ các khoản thanh toán nợ hàng tháng chia cho tổng thu nhập trước thuế hàng tháng. Con số này là một cách mà người cho vay dùng để đo lường khả năng quý vị quản lý các khoản thanh toán hàng tháng để hoàn trả số tiền quý vị dự định vay.</p><p data-block-key="fc3fj">Tìm hiểu cách <a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">tính tỷ lệ nợ trên thu nhập</a>. <br/><br/></p><hr/><h2 data-block-key="df5el"><br/><span id="deedinlieuofforeclosure"><b>Chứng thư tịch thu nhà</b></span> (Deed-in-lieu of foreclosure)</h2><p data-block-key="25reh">Chứng thư tịch thu nhà là một thỏa thuận, trong đó quý vị tự nguyện chuyển quyền sở hữu nhà của mình cho người cho vay để tránh quá trình tịch thu tài sản thế chấp. Nhờ chứng thư tịch thu nhà, quý vị có thể tránh phải chịu trách nhiệm cá nhân đối với bất kỳ số tiền nào còn lại trong khoản thế chấp. Nếu quý vị sống ở một tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay khi mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy ghi nhận sự từ bỏ này bằng văn bản và giữ trong hồ sơ của quý vị. Chứng thư tịch thu nhà là một loại <a href="#lossmitigation">giảm thiểu tổn thất</a>.<br/><br/></p><hr/><h2 data-block-key="6f1nj"><br/><b>Quá hạn (Delinquent)</b></h2><p data-block-key="7f6bv">Quá hạn là một thuật ngữ khác để chỉ việc quý vị thanh toán trễ hạn. Khoản vay sẽ trở nên quá hạn khi quý vị bỏ lỡ thanh toán hoặc không thanh toán đầy đủ trước ngày đáo hạn. Sau khi quý vị quá hạn trong khoảng thời gian nhất định, người cho vay hoặc công ty dịch vụ thế chấp có thể bắt đầu quá trình tịch thu tài sản thế chấp. Khoảng thời gian này có thể khác nhau, tùy theo tiểu bang.</p><p data-block-key="bm10">Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp. <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">Tìm hiểu thêm về các lựa chọn của quý vị nếu quý vị không thể trả khoản vay thế chấp</a>.</p><h4 data-block-key="bagb5"><b>Nếu quý vị bị ảnh hưởng bởi coronavirus</b></h4><p data-block-key="7s3cf">Nhận thêm <a href="https://www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/">thông tin về các lựa chọn cứu trợ khoản vay thế chấp</a>. <br/><br/></p><hr/><h2 data-block-key="cmu5j"><br/><b>Tính năng đòi nợ (Demand feature)</b></h2><p data-block-key="33l44">Tờ khai báo ký kết khoản vay thế chấp có một tuyên bố với nội dung “Khoản vay của quý vị có tính năng đòi nợ”, có thể được chọn là “có” hoặc “không”. Tính năng đòi nợ cho phép người cho vay yêu cầu trả nợ trước hạn.</p><p data-block-key="7dfsu"><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="1ho6l"><br/><b>Tiền trả trước (Down payment)</b></h2><p data-block-key="1hi0i">Tiền trả trước là số tiền quý vị trả ngay cho căn nhà. Quý vị trả ngay một tỷ lệ phần trăm giá trị của căn nhà và vay phần còn lại thông qua khoản vay thế chấp. Nói chung, quý vị trả trước càng nhiều tiền, lãi suất nhận được càng thấp và càng có nhiều khả năng được chấp thuận cho vay.</p><p data-block-key="7vb8m"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">Tìm hiểu thêm về cách xác định tiền trả trước.</a><br/><br/></p><hr/><h2 data-block-key="4rouf"><br/><b>Chương trình hoặc trợ cấp hỗ trợ tiền trả trước (Down payment programs or grants)</b></h2><p data-block-key="3ufbb">Chương trình hoặc trợ cấp hỗ trợ tiền trả trước thường đề cập đến sự hỗ trợ do tổ chức như chính phủ hoặc cơ quan phi lợi nhuận cung cấp cho người mua nhà để trợ giúp họ trả trước khi mua nhà. Các khoản tiền này có thể cung cấp dưới dạng trợ cấp hoàn toàn hoặc có thể yêu cầu hoàn trả, chẳng hạn như khi bán nhà.</p><p data-block-key="fik3i"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">Tìm hiểu nơi quý vị có thể nhận thông tin về chương trình hoặc trợ cấp hỗ trợ tiền trả trước.</a><br/><br/></p><hr/><h2 data-block-key="fhhud"><br/><b>Tiền đặt cọc (Earnest money)</b></h2><p data-block-key="4jsa5">Tiền đặt cọc là khoản tiền ký quỹ mà người mua trả để thể hiện thiện chí đối với thỏa thuận hợp đồng đã ký để mua nhà. Tiền đặt cọc do người bán hoặc bên thứ ba như nhà môi giới bất động sản hoặc công ty chứng thư giữ. Nếu giao dịch mua bán nhà hoàn tất hoặc “ký kết” xong, tiền đặt cọc có thể được dùng để trả cho lệ phí để hoàn tất giao dịch bất động sản hoặc tiền trả trước. Nếu hợp đồng bị chấm dứt vì lý do chính đáng, tiền đặt cọc sẽ được trả lại cho người mua. Nếu người mua không thực hiện một cách thiện chí, tiền đặt cọc có thể bị tịch thu và trả cho người bán.<a href="/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà.</a><br/><br/></p><hr/><h2 data-block-key="6l18a"><br/><b>Vốn chủ sở hữu (Equity)</b></h2><p data-block-key="bmmbe">Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện có trên tài sản của quý vị.</p><p data-block-key="7j93j"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">Tìm hiểu xem khoản vay tiền vốn từ căn nhà đang trả góp là gì</a>.<br/><br/></p><hr/><h2 data-block-key="9pco8"><br/><span id="escrow"><b>Tài khoản ký quỹ</span> (Escrow)</b></h2><p data-block-key="dpp1r">Tài khoản ký quỹ do người cho vay thiết lập để thanh toán một số chi phí liên quan đến tài sản, như thuế tài sản và bảo hiểm nhà. Một phần thanh toán hàng tháng của quý vị được chuyển vào tài khoản này. Nếu khoản vay thế chấp của quý vị không có tài khoản ký quỹ, quý vị sẽ thanh toán trực tiếp các chi phí liên quan đến tài sản.<br/></p><p data-block-key="2t065">Tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">cách chứng thư ủy thác giữ làm bằng chứng cho 2 bên ảnh hưởng đến khoản thanh toán tiền vay thế chấp hàng tháng</a>.<br/><br/></p><hr/><h2 data-block-key="3703a"><br/><b>Fannie Mae</b></h2><p data-block-key="4ga2j">Quỹ Thế Chấp Nhà Ở Quốc Gia Liên Bang (Fannie Mae) mua và bảo đảm các khoản thế chấp từ các tổ chức cho vay nhằm nỗ lực tăng cường cách thức cho vay hợp lý. Fannie Mae không phải là cơ quan liên bang. Đây là doanh nghiệp được chính phủ tài trợ dưới sự giám sát của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).</p><p data-block-key="69bfp"><a href="/owning-a-home/loan-options/conventional-loans/">Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ</a>.<br/><br/></p><hr/><h2 data-block-key="96qsr"><br/><b>Lệ phí vay vốn của FHA (FHA funding fee)</b></h2><p data-block-key="44cqr">Cục Quản Lý Nhà Ở Liên Bang (FHA) yêu cầu lệ phí vay vốn của FHA và phí bảo hiểm hàng tháng (MIP) cho hầu hết các chương trình dành cho nhà biệt lập. Phí bảo hiểm khoản vay trả trước này đôi khi gọi là Phí bảo hiểm khoản vay trả trước (UFMIP).</p><p data-block-key="5elvn"><a href="/owning-a-home/loan-options/fha-loans/">Tìm hiểu xem khoản vay thế chấp FHA có phù hợp với quý vị hay không</a>.<br/><br/></p><h2 data-block-key="88upt"><br/><b>Khoản vay FHA (FHA loan)</b></h2><p data-block-key="36nd7">Khoản vay FHA là khoản vay từ người cho vay tư nhân do Cơ Quan Quản Lý Nhà Ở Liên Bang (FHA) quản lý và bảo hiểm. Khoản vay FHA khác với các khoản vay không do chính phủ hỗ trợ vì cho phép điểm tín dụng thấp hơn và khoản trả trước thấp tới 3,5% tổng số tiền vay. Số tiền cho vay tối đa khác nhau, tùy theo quận.</p><p data-block-key="ct2d2"><a href="/owning-a-home/loan-options/fha-loans/">Tìm hiểu về khoản vay FHA và các lựa chọn khoản vay mua nhà khác</a>.<br/><br/></p><hr/><h2 data-block-key="ltuo"><br/><b>Giới hạn vay thế chấp FHA (FHA mortgage limits)</b></h2><p data-block-key="3c4mq">Giới hạn vay thế chấp FHA là giới hạn số tiền đối với các khoản vay thế chấp đủ điều kiện mà FHA sẽ bảo hiểm trong chương trình thế chấp nhà biệt lập. Các giới hạn này dựa trên vị trí và có thể sửa đổi hàng năm.</p><p data-block-key="4fk37"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">Sử dụng công cụ của FHA để tra cứu các giới hạn cho vay cấp quận của quý vị</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>. <br/><br/></p><hr/><h2 data-block-key="ah797"><br/><b>Phí vay nợ trả góp (Finance charge)</b></h2><p data-block-key="7j1q8">Phí vay nợ trả góp là tổng số tiền lãi và phí vay mà quý vị phải trả trong toàn bộ thời hạn của khoản vay thế chấp.</p><p data-block-key="8b9mv"><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="tcjb"><br/><b>Chương trình cho vay dành cho người mua nhà lần đầu (First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="dpmjo">Người mua nhà lần đầu (FTHB) có thể sử dụng một số loại chương trình cho vay khác nhau để mua căn nhà đầu tiên của mình. Các khoản vay FTHB phổ biến bao gồm chương trình do FHA, VA, USDA, Fannie Mae và Freddie Mac cung cấp với khoản trả trước thấp. Một số chương trình xác định FTHB là người chưa mua nhà trong vòng từ ba năm trở lên.</p><p data-block-key="7lvrq"><a href="/owning-a-home/loan-options/">Tìm hiểu các lựa chọn cho vay của quý vị</a>. <br/><br/></p><hr/><h2 data-block-key="eh0f3"><br/><b>Vay thế chấp lãi suất cố định (Fixed-rate mortgage)</b></h2><p data-block-key="dfsdg">Vay thế chấp lãi suất cố định là một loại khoản vay mua nhà, trong đó lãi suất được ấn định khi quý vị vay tiền và sẽ không thay đổi trong suốt thời hạn của khoản vay.</p><p data-block-key="8og32">Tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">cách hoạt động của khoản vay thế chấp lãi suất cố định</a> và những nội dung cần cân nhắc. <br/><br/></p><hr/><h2 data-block-key="buac"><br/><span id="forbearance"><b>Hoãn trả nợ tạm thời</b></span> (Forbearance)</h2><p data-block-key="eepmr">Hoãn trả nợ tạm thời là khi công ty dịch vụ thế chấp cho phép quý vị tạm thời thanh toán khoản vay thế chấp của mình với mức lãi suất thấp hơn hoặc tạm thời ngừng thanh toán khoản vay thế chấp của quý vị. Công ty dịch vụ thế chấp có thể cho quý vị hoãn trả nợ nếu - chẳng hạn như gần đây quý vị bị mất việc, bị tai nạn hoặc bị bệnh hay thương tích làm tăng chi phí chăm sóc sức khỏe của quý vị. Hoãn trả nợ tạm thời là một loại <a href="#lossmitigation">giảm thiểu tổn thất.</a></p><p data-block-key="aq734"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">Tìm hiểu thêm về hoãn trả nợ tạm thời khoản vay thế chấp</a></p><p data-block-key="2nqpe">Tùy vào loại khoản vay mình có, quý vị có thể có các lựa chọn hoãn trả nợ tạm thời khác nhau. Quý vị phải liên hệ với công ty làm dịch vụ cho vay để yêu cầu được hoãn trả nợ tạm thời. Lưu ý rằng quý vị sẽ phải bù đắp các khoản thanh toán bị thiếu hoặc bị lỡ này khi thời gian hoãn trả nợ tạm thời kết thúc.</p><h4 data-block-key="eorp4"><b>Nếu quý vị bị ảnh hưởng bởi coronavirus</b></h4><p data-block-key="tp9f">Nhận thêm <a href="/coronavirus/mortgage-and-housing-assistance/">thông tin về các lựa chọn cứu trợ khoản vay thế chấp</a>.<br/><br/></p><hr/><h2 data-block-key="cgb97"><br/><b>Bảo hiểm bắt buộc (Force-placed insurance)</b></h2><p data-block-key="b4q6u">Công ty dịch vụ thế chấp có thể yêu cầu bảo hiểm bắt buộc khi quý vị không có chính sách bảo hiểm của riêng mình hoặc nếu chính sách của riêng quý vị không đáp ứng các yêu cầu của công ty dịch vụ thế chấp. Bảo hiểm bắt buộc thường chỉ bảo vệ người cho vay, chứ không phải quý vị. Công ty dịch vụ thế chấp sẽ tính phí bảo hiểm cho quý vị. Bảo hiểm bắt buộc thường đắt hơn so với việc tự quý vị tìm mua hợp đồng bảo hiểm.<br/><br/></p><hr/><h2 data-block-key="57iuk"><br/><b>Tịch thu tài sản thế chấp (Foreclosure)</b></h2><p data-block-key="2n36f">Tịch thu tài sản thế chấp là khi người cho vay hoặc công ty dịch vụ thế chấp lấy lại tài sản sau khi người chủ nhà không thanh toán khoản vay thế chấp. Ở một số tiểu bang, người cho vay phải ra tòa để tịch thu tài sản của quý vị (tịch biên tài sản), nhưng các tiểu bang khác không yêu cầu có thủ tục tòa án (tịch thu tài sản thế chấp mà không cần có phán quyết của tòa án). Nói chung, người vay phải được thông báo nếu người cho vay hoặc công ty dịch vụ thế chấp bắt đầu thủ tục tịch thu tài sản thế chấp. Các quy tắc liên bang cũng có thể áp dụng khi bắt đầu tịch thu tài sản thế chấp.</p><p data-block-key="bqld4">Nếu quý vị lo lắng về việc bị tịch thu tài sản thế chấp, hãy <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">tìm hiểu cách nhận trợ giúp.</a></p><h4 data-block-key="35ovd"><b>Nếu quý vị bị ảnh hưởng bởi coronavirus</b></h4><p data-block-key="am3gk">Nhận thêm <a href="/coronavirus/mortgage-and-housing-assistance/">thông tin về các lựa chọn cứu trợ khoản vay thế chấp</a>.<br/><br/></p><hr/><h2 data-block-key="6p2n4"><br/><b>Freddie Mac</b></h2><p data-block-key="djpuv">Tập Đoàn Thế Chấp Cho Vay Mua Nhà Liên Bang (Freddie Mac) là công ty tư nhân do Quốc Hội thành lập. Nhiệm vụ của tập đoàn này là thúc đẩy tính ổn định và giá cả phải chăng trong thị trường nhà ở bằng cách mua khoản thế chấp từ ngân hàng và các nhà cho vay khác. Tập đoàn Freddie Mac hiện đang được quản lý, dưới sự chỉ đạo của Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA).</p><p data-block-key="2tgaq"><a href="/owning-a-home/loan-options/conventional-loans/">Tìm hiểu thêm về các khoản vay không do chính phủ hỗ trợ</a>. <br/><br/></p><hr/><h2 data-block-key="2hq38"><br/><b>Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (Good Faith Estimate)</b></h2><p data-block-key="dn13a">Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp (GFE) là mẫu đơn mà người cho vay phải cung cấp cho quý vị khi quý vị nộp đơn xin thế chấp ngược. GFE liệt kê thông tin cơ bản về các điều khoản của đề nghị cho vay thế chấp ngược.  <br/></p><p data-block-key="5lbfo">Tìm hiểu thời điểm quý vị nhận được <a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">Tài Liệu Ước Tính Tiền Trả Góp Khi Vay Thế Chấp</a>. <br/><br/></p><hr/><h2 data-block-key="81em0"><br/><b>Phí lưu giữ hồ sơ của chính phủ (Government recording charges)</b></h2><p data-block-key="c2pb3">Phí lưu giữ hồ sơ của chính phủ là phí do các cơ quan chính quyền tiểu bang và địa phương tính cho việc lưu giữ hợp pháp chứng thư, thế chấp và các tài liệu liên quan đến khoản vay mua nhà của quý vị.</p><p data-block-key="7lcsp"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="ipoh"></p><h2 data-block-key="7ttmo"><b>Khoản vay thế chấp có giá cao hơn (Higher-priced mortgage loan)</b></h2><p data-block-key="dtpm2">Nói chung, khoản vay thế chấp có giá cao hơn là khoản vay có mức lãi suất theo phần trăm mỗi năm (hay APR) cao hơn mức chuẩn (gọi là Mức Lãi Suất Ưu Đãi Chính Trung Bình).</p><p data-block-key="7vbdl"><a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><p data-block-key="ffifi"></p><h2 data-block-key="aaje7"><b>Phí quản lý của HOA (HOA dues)</b></h2><p data-block-key="3tjml">Nếu quan tâm đến việc mua chung cư, hợp tác xã nhà ở hoặc nhà trong khu được quy hoạch hoặc cộng đồng có tổ chức khác dùng chung các dịch vụ, quý vị thường phải trả lệ phí khu chung cư hoặc phí quản lý của Hiệp Hội Chủ Nhà (HOA). Các khoản phí này khác nhau đáng kể. Lệ phí khu chung cư hoặc phí quản lý của HOA thường thanh toán riêng với khoản thanh toán thế chấp hàng tháng. Nếu không trả các khoản phí này, quý vị có thể phải đối mặt với các nỗ lực thu nợ của hiệp hội chủ nhà và thậm chí bị tịch thu nhà.</p><p data-block-key="1s4v0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Tìm hiểu thêm về quá trình mua nhà.</a><br/><br/></p><hr/><h2 data-block-key="at25"><br/><b>Thẩm định nhà (Home appraisal)</b></h2><p data-block-key="hhcs">Thẩm định là tài liệu bằng văn bản, cho thấy ý kiến về giá trị của một tài sản. Quá trình thẩm định cung cấp cho quý vị thông tin hữu ích về tài sản. Quá trình này mô tả giá trị tài sản và có thể so sánh tài sản đó với các tài sản khác trong vùng lân cận. Thẩm định là đánh giá độc lập về giá trị của tài sản.</p><p data-block-key="8b1p7">Tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">lý do việc thẩm định lại quan trọng</a>. <br/><br/></p><hr/><h2 data-block-key="6vtfq"><br/><b>Hạn mức tín dụng cho vốn chủ sở hữu (Home equity line of credit - HELOC)</b></h2><p data-block-key="6d3im">Hạn mức tín dụng cho vốn chủ sở hữu (HELOC) là hạn mức tín dụng cho phép quý vị vay dựa trên phần vốn quý vị có trong tài sản. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền thế chấp hiện tại trên tài sản của quý vị. Không giống như khoản vay tiền vốn từ căn nhà đang trả góp, HELOC thường có lãi suất có thể điều chỉnh. Đối với hầu hết các HELOC, quý vị sẽ nhận được ngân phiếu đặc biệt hoặc thẻ tín dụng và có thể vay tiền trong thời gian nhất định kể từ khi mở tài khoản. Khoảng thời gian này gọi là “thời hạn rút tiền vay”. Trong thời hạn này, quý vị có thể vay tiền và phải thực hiện các khoản thanh toán tối thiểu. Khi “thời hạn rút tiền vay” kết thúc, quý vị sẽ không thể vay tiền từ hạn mức tín dụng của mình nữa. Sau khi thời hạn nói trên kết thúc, quý vị có thể cần thanh toán cùng lúc toàn bộ số dư nợ của mình hoặc có thể được phép hoàn trả trong khoảng thời gian nhất định. Nếu quý vị không thể trả lại HELOC, người cho vay có thể tịch thu nhà của quý vị.<br/><br/></p><hr/><h2 data-block-key="fuo1i"><br/><b>Vay tiền vốn từ căn nhà đang trả góp (Home equity loan)</b></h2><p data-block-key="c33fj">Khoản vay tiền vốn từ căn nhà đang trả góp (đôi khi gọi là HEL) cho phép quý vị vay tiền bằng cách sử dụng vốn chủ sở hữu nhà của quý vị làm tài sản thế chấp. Vốn chủ sở hữu là giá trị hiện tại của tài sản quý vị có trừ đi tiền vay thế chấp hiện có trên tài sản của quý vị. Quý vị nhận được tiền từ khoản vay tiền vốn từ căn nhà đang trả góp dưới dạng gộp một lần. Khoản vay tiền vốn từ căn nhà đang trả góp thường có lãi suất cố định, tức là sẽ không thay đổi. Nếu quý vị không thể trả lại HEL, người cho vay có thể tịch thu nhà của quý vị.  <br/><br/></p><hr/><h2 data-block-key="77jlv"><br/><b>Kiểm định nhà (Home inspection)</b></h2><p data-block-key="7gacv">Quá trình mua nhà thường có bước kiểm định nhà. Quý vị thường có quyền thuê kiểm định viên nhà để kiểm tra tài sản nhằm chỉ ra những điểm mạnh và điểm yếu của nhà đó. Quá trình này đặc biệt hữu ích khi quý vị cần kiểm tra các hệ thống cơ khí cũng như cấu trúc của ngôi nhà, bao gồm hệ thống sưởi, thông gió, điều hòa không khí và điện.</p><p data-block-key="7al0k"><a href="/owning-a-home/close/schedule-home-inspection/">Tìm hiểu cách hẹn lịch kiểm định</a>. <br/><br/></p><hr/><h2 data-block-key="a5nim"><br/><b>Hiệp Hội Chủ Nhà (Homeowners’ Association - HOA)</b></h2><p data-block-key="82rgh">Hiệp Hội Chủ Nhà (HOA) vốn được thành lập để quản lý các chi phí chung như cảnh quan và chi phí bảo trì khác cho phân khu quy hoạch hoặc cộng đồng có tổ chức khác. HOA chung cư đảm nhận nhiều trách nhiệm hơn, chẳng hạn như bảo trì đường lái xe vào nhà, cấu trúc chung và mái nhà.</p><p data-block-key="8lrak"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">Nhận thêm thông tin về cách HOA có thể xuất hiện trên bảng sao kê thế chấp</a>. <br/><br/></p><hr/><h2 data-block-key="241og"><br/><b>Bảo hiểm nhà (Homeowner's insurance)</b></h2><p data-block-key="53d1u">Bảo hiểm nhà trả cho những tổn thất và thiệt hại cho tài sản của quý vị nếu có điều gì đó bất ngờ xảy ra, chẳng hạn như hỏa hoạn hoặc trộm cắp. Khi quý vị vay thế chấp, người cho vay muốn đảm bảo rằng tài sản của quý vị được bảo hiểm bảo vệ. Đó là lý do người cho vay thường yêu cầu bằng chứng cho thấy quý vị có bảo hiểm nhà. Bảo hiểm nhà không giống với <a href="#mortgageinsurance">bảo hiểm thế chấp.</a><br/></p><p data-block-key="8kie8"><a href="/owning-a-home/">Tìm hiểu thêm về quy trình mua nhà.</a><br/><br/></p><hr/><h2 data-block-key="45mba"><br/><b>Giá mua nhà (Home purchase price)</b></h2><p data-block-key="6cj26">Giá mua nhà là số tiền mà người mua và người bán đồng ý trả cho người bán để mua nhà.</p><p data-block-key="8h3gk"><a href="https://www.consumerfinance.gov/owning-a-home/explore/find-right-home/">Learn more about finding the right home</a>. <br/><br/></p><hr/><h2 data-block-key="8shl7"><br/><b>HUD</b></h2><p data-block-key="25f6a">Bộ Phát Triển Nhà và Đô Thị (HUD) là cơ quan chính phủ giúp mọi người có được và duy trì nhà ở chất lượng với giá cả phải chăng. Họ đào tạo và tài trợ cho các cố vấn viên về nhà ở trên khắp đất nước. Cơ quan cố vấn về nhà ở được HUD phê duyệt có thể tư vấn mua nhà để quý vị hiểu và đánh giá các lựa chọn của mình.</p><p data-block-key="1sa65"><a href="https://www.consumerfinance.gov/find-a-housing-counselor/">Tìm cơ quan cố vấn về nhà ở được HUD phê duyệt</a>.<br/><br/></p><hr/><h2 data-block-key="777c2"><br/><b>Văn bản thỏa thuận HUD-1 (HUD-1 settlement statement)</b></h2><p data-block-key="aam24">Văn Bản Thỏa Thuận HUD-1 liệt kê tất cả các khoản phí và khoản tín dụng cho người mua và người bán trong cuộc thỏa thuận về bất động sản hoặc tất cả các loại phí trong khoản vay lại khoản thế chấp. Quý vị nhận được HUD-1 nếu đăng ký thế chấp ngược hoặc đăng ký thế chấp vào hay trước ngày 3 tháng 10 năm 2015.</p><p data-block-key="2h4ha">Tìm hiểu khi nào quý vị sẽ nhận được <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1.</a> <br/><br/></p><hr/><h2 data-block-key="9ueij"><br/><b>Chỉ số (Index)</b></h2><p data-block-key="r98g">Chỉ số này là mức lãi suất chuẩn, phản ánh các điều kiện chung của thị trường. Chỉ số thay đổi dựa trên thị trường. Thay đổi trong chỉ số - cùng khoản vay ký quỹ - xác định thay đổi về lãi suất đối với khoản vay thế chấp với lãi suất được điều chỉnh.</p><p data-block-key="5pet6">Hiểu cách <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.</a><br/><br/></p><hr/><h2 data-block-key="ci397"><br/><b>Mức trần điều chỉnh ban đầu (Initial adjustment cap)</b></h2><p data-block-key="4id90">Mức trần điều chỉnh ban đầu thường kết hợp với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này xác định mức lãi suất có thể tăng trong lần điều chỉnh đầu tiên sau khi hết thời hạn lãi suất cố định. Thông thường, mức trần nói trên là 2 hoặc 5% - nghĩa là ở lần thay đổi lãi suất đầu tiên, mức lãi mới không thể cao hơn 2% (hoặc 5%) điểm so với mức lãi ban đầu trong thời hạn lãi suất cố định.</p><p data-block-key="fms8j"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Hiểu cách yếu tố chỉ số ảnh hưởng đến lãi suất của khoản vay thế chấp với lãi suất được điều chỉnh.</a><br/><br/></p><hr/><h2 data-block-key="6p65v"><br/><b>Tiền gửi ký quỹ ban đầu (Initial escrow deposit)</b></h2><p data-block-key="6a3a9">Tiền gửi ký quỹ ban đầu là số tiền quý vị sẽ trả tại bước cuối cùng trong giao dịch bất động sản để bắt đầu tài khoản ký quỹ của mình, nếu người cho vay của quý vị yêu cầu.</p><p data-block-key="5bc0m"><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="alk3h"><br/><b>Khoản vay chỉ trả lãi (Interest-only loan)</b></h2><p data-block-key="51hka">Vay thế chấp chỉ trả lãi là khoản vay có các khoản trả theo lịch trình, yêu cầu quý vị chỉ trả lãi trong khoảng thời gian nhất định.</p><p data-block-key="cgn2f"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="9ffg"><br/><b>Lãi suất (Interest rate)</b></h2><p data-block-key="549il">Lãi suất cho khoản vay thế chấp là chi phí quý vị sẽ trả mỗi năm để vay tiền, biểu thị bằng tỷ lệ phần trăm. Lãi suất này không phản ánh phí hoặc bất kỳ khoản phí nào khác mà quý vị có thể phải trả cho khoản vay. Ví dụ: Nếu khoản vay mua nhà là $100.000 đô la với lãi suất 4%, người tiêu dùng đó đã đồng ý trả $4.000 cho mỗi năm họ vay hoặc nợ toàn bộ số tiền đó.</p><p data-block-key="2qpip"><a href="/owning-a-home/explore-rates/">Khám phá lãi suất tại khu vực của quý vị.</a> <br/><br/></p><hr/><h2 data-block-key="43ug7"><br/><b>Mức trần lãi suất (Interest rate cap)</b></h2><p data-block-key="f0nbf">Mức trần lãi suất - đôi khi gọi là mức trần hàng năm - là mức tăng lãi suất tối đa có thể xảy ra hàng năm đối với khoản vay thế chấp với lãi suất được điều chỉnh (ARM), ngay cả khi lãi suất sẽ tăng nhiều hơn theo lãi suất thị trường. Ví dụ: Nếu mức trần này là 2%, mức lãi mới không được cao hơn mức lãi trước đó quá 2%.</p><p data-block-key="8ahj"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Hiểu cách người cho vay sử dụng chỉ số và biên để điều chỉnh lãi suất của quý vị.</a> <br/><br/></p><hr/><h2 data-block-key="crtd"><br/><b>Khoản vay lớn (Jumbo loan)</b></h2><p data-block-key="fcf4c">Mỗi năm, Fannie Mae, Freddie Mac và cơ quan quản lý của họ là Cơ Quan Tài Chính Nhà Ở Liên Bang (FHFA) ấn định số tiền tối đa cho các khoản vay mà họ sẽ mua từ những người cho vay.</p><p data-block-key="322im"><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="7t6jd"><br/><b>Bảo hiểm chứng thư của người cho vay (Lenders title insurance)</b></h2><p data-block-key="avuqg">Bảo hiểm chứng thư của người cho vay bảo vệ người cho vay khỏi các vấn đề liên quan đến quyền sở hữu tài sản của quý vị - chẳng hạn như khi ai đó có khiếu nại pháp lý đối với ngôi nhà. Bảo hiểm chứng thư của người cho vay chỉ bảo vệ người cho vay trước các vấn đề liên quan đến quyền sở hữu. Để tự bảo vệ mình, quý vị có thể muốn mua bảo hiểm chứng thư của chủ sở hữu.</p><p data-block-key="cdoom"><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="3s22s"><br/><b>Lãi suất trần có điều chỉnh trong thời hạn vay (Lifetime adjustment cap)</b></h2><p data-block-key="f63ch">Lãi suất trần có điều chỉnh trong thời hạn vay thường sử dụng với khoản vay thế chấp với lãi suất được điều chỉnh (ARM). Mức trần này này xác định mức lãi suất có thể tăng tổng cộng là bao nhiêu, trong suốt thời hạn của khoản vay. Ví dụ: Nếu mức trần này là 5%, nghĩa là mức lãi không bao giờ có thể cao hơn 5% so với mức lãi ban đầu. Một số người cho vay có thể có lãi suất trần khác hoặc cao hơn.</p><p data-block-key="n0i0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">Hiểu cách yếu tố chỉ số ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh.</a><br/><br/></p><hr/><h2 data-block-key="85bar"><br/><b>Cưỡng chế khoản vay (Loan assumption)</b></h2><p data-block-key="6m3p8">Cưỡng chế khoản vay xảy ra khi người mua tiếp nhận khoản thế chấp từ người bán khi họ mua nhà của người bán. Người mua tiếp quản số dư còn lại trong khoản thế chấp của người bán, theo điều khoản cho vay ban đầu—ví dụ: lãi suất và thời hạn còn lại của khoản thế chấp. Cưỡng chế khoản vay có thể phù hợp khi khoản thế chấp mới đang với lãi suất cao hơn so với khi người bán ban đầu vay thế chấp của họ.</p><p data-block-key="7sb89">Khoản chênh lệch giữa giá bán căn nhà và số dư trên khoản vay cưỡng chế bằng với số tiền mà người mua phải trả tiền túi hoặc bằng cách vay thế chấp của chính họ.</p><p data-block-key="6hs9q">Để tiếp nhận khoản vay thế chấp, người mua nhà cần đủ điều kiện cho việc cưỡng chế khoản vay. Khả năng đủ điều kiện thường dựa trên kết quả xem xét tín dụng và thu nhập của người mua, tương tự như khả năng đủ điều kiện vay khoản thế chấp mới</p><p data-block-key="5dpbg">Cưỡng chế khoản vay cũng có thể áp dụng khi quý vị nhận được quyền sở hữu tài sản có thế chấp – ví dụ: sau khi qua đời hoặc ly hôn.<br/></p><hr/><h2 data-block-key="edbpu"><br/><b>Hoãn khoản vay (Loan deferment)</b></h2><p data-block-key="bl684">Người vay đang gặp khó khăn trong việc thanh toán khoản thế chấp thường có quyền yêu cầu bên dịch vụ thế chấp giúp đỡ. Bên dịch vụ có thể đồng ý hoãn khoản vay, qua đó tạo điều kiện cho người vay tránh bị tịch thu tài sản thế chấp bằng cách hoãn các khoản thanh toán thế chấp quá hạn. Số tiền hoãn trả đến hạn khi người vay vay lại khoản vay, bán nhà, hoặc khoản thế chấp kết thúc theo cách khác.<br/></p><hr/><h2 data-block-key="d767b"><br/><b>Ước tính khoản vay (Loan estimate)</b></h2><p data-block-key="a31rm">Ước Tính Khoản Vay là mẫu đơn dài 3 trang mà quý vị sẽ nhận được sau khi đăng ký vay mua nhà.  </p><p data-block-key="7r9sc"><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="57pq4"><br/><span id="loanmodification"><b>Điều chỉnh khoản vay</b></span> (Loan modification)</h2><p data-block-key="abh48">Điều chỉnh khoản vay mua nhà là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh là một loại <a href="#lossmitigation">giảm thiểu tổn thất</a>. Cách thức này có thể giảm khoản tiền trả hàng tháng của quý vị xuống mức quý vị có khả năng trả. Hoạt động điều chỉnh có thể liên quan đến việc kéo dài số năm quý vị phải trả khoản vay, giảm lãi suất và/hoặc hoãn hoặc giảm số dư nợ gốc của quý vị. Nếu quý vị được đề nghị điều chỉnh khoản vay, hãy đảm bảo mình biết rõ việc này sẽ thay đổi khoản chi trả hàng tháng của quý vị ra sao, cũng như tổng số tiền quý vị sẽ nợ ngắn hạn và dài hạn.</p><p data-block-key="4oga9"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Tìm hiểu thêm về việc điều chỉnh khoản vay mua nhà</a></p><h4 data-block-key="60esp"><b>Nếu quý vị bị ảnh hưởng bởi virus corona</b></h4><p data-block-key="e27v3">Nhận thêm <a href="/coronavirus/mortgage-and-housing-assistance/">thông tin về các lựa chọn cứu trợ khoản vay thế chấp.</a> <br/><br/></p><hr/><h2 data-block-key="2rune"><br/><b>Tỉ số vay trên giá trị (Loan-to-value ratio)</b></h2><p data-block-key="aqmrg">Tỉ số vay trên giá trị (LTV) là thước đo so sánh số tiền vay thế chấp với giá trị thẩm định của tài sản. Quý vị đặt cọc càng nhiều tiền, tỷ số LTV càng thấp. Người cho vay có thể sử dụng LTV để quyết định có cho quý vị vay hay không và để xác định xem có cần bảo hiểm khoản vay riêng không.  </p><p data-block-key="1rkv9">Tìm hiểu <a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">xem tỉ số vay trên giá trị liên quan như thế nào đến chi phí của quý vị.</a> <br/><br/></p><hr/><h2 data-block-key="d50lr"><br/><span id="lossmitigation"><b>Giảm thiểu tổn thất</span> (Loss mitigation)</b></h2><p data-block-key="bddto">Giảm thiểu tổn thất đề cập đến các bước mà người làm dịch vụ thế chấp thực hiện để làm việc với người vay thế chấp nhằm tránh bị tịch thu tài sản thế chấp. Giảm thiểu tổn thất đề cập đến trách nhiệm của người làm dịch vụ trong việc giảm thiểu hoặc “giảm nhẹ” tổn thất cho nhà đầu tư có thể đến từ việc tịch thu tài sản thế chấp. Một số lựa chọn giảm thiểu tổn thất có thể giúp quý vị ở lại nhà của mình. Các lựa chọn khác có thể giúp quý vị rời khỏi nhà mà không bị tịch thu tài sản thế chấp. Các lựa chọn giảm thiểu tổn thất có thể bao gồm <a href="#deedinlieuofforeclosure">chứng thư tịch thu nhà</a>, <a href="#forbearance">hoãn trả nợ tạm thời</a>, <a href="#repaymentplan">kế hoạch trả nợ</a>, <a href="#shortsale">bán thanh lý</a>, or a <a href="#loanmodification">điều chỉnh khoản vay</a>. </p><p data-block-key="c331r">Nếu quý vị gặp khó khăn khi trả khoản vay thế chấp hoặc nếu quý vị đã được đề nghị và đang xem xét các lựa chọn giảm thiểu tổn thất khác nhau, hãy liên hệ với cơ quan cố vấn về nhà cửa được Bộ Phát Triển Nhà và Đô Thị (HUD) phê duyệt. </p><p data-block-key="ag0nt">Quý vị có thể sử dụng công cụ <a href="/find-a-housing-counselor/">"Find a Counselor"</a> (Tìm Cố Vấn Viên) của CFPB để nhận danh sách cơ quan cố vấn về nhà cửa trong khu vực của quý vị đã được HUD chấp thuận. Quý vị cũng có thể gọi đến <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">Đường Dây Nóng HOPE™</a>, trực 24 giờ/ngày, 7 ngày/tuần, theo số (888) 995-HOPE (4673).</p><h4 data-block-key="c21f1"><b>Nếu quý vị bị ảnh hưởng bởi virus corona</b></h4><p data-block-key="aq02l">Nhận thêm <a href="/coronavirus/mortgage-and-housing-assistance/">thông tin về các lựa chọn cứu trợ khoản vay thế chấp</a>. <br/><br/></p><hr/><h2 data-block-key="aoi73"><br/><b>Biên (Margin)</b></h2><p data-block-key="djkvu">Biên là số điểm phần trăm do người cho vay thêm vào chỉ số để đặt lãi suất cho khoản tiền trả thế chấp với lãi suất được điều chỉnh (ARM) sau khi thời hạn lãi suất ban đầu kết thúc. Biên được ấn định trong hợp đồng cho vay và sẽ không thay đổi sau khi hoàn tất giao dịch. Số tiền biên phụ thuộc vào người cho vay và khoản vay cụ thể.  </p><p data-block-key="8e7au">Hiểu cách <a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">yếu tố biên ảnh hưởng đến khoản vay thế chấp với lãi suất được điều chỉnh</a>. <br/><br/></p><hr/><h2 data-block-key="4m1e4"><br/><b>Chi phí hàng tháng (Monthly expenses)</b></h2><p data-block-key="27kos">Đây là số tiền quý vị chi tiêu hàng tháng. Trong đó có thể bao gồm, nhưng không giới hạn ở các nghĩa vụ định kỳ như tiền thuê nhà hoặc khoản tiền trảthế chấp, tiện ích, tiền xe, tiền hỗ trợ nuôi con và trả bảo hiểm, cũng như nhu yếu phẩm như thực phẩm. Hầu hết những nghĩa vụ này sẽ có ngày đáo hạn cố định.</p><p data-block-key="cammo"><a href="/owning-a-home/prepare/assess-your-spending/">Đánh giá chi phí hàng tháng bằng công cụ theo dõi chi tiêu này</a>. <br/><br/></p><hr/><h2 data-block-key="6mq8r"><br/><b>Thế chấp (Mortgage)</b></h2><p data-block-key="9nq8b">Thế chấp là thỏa thuận giữa quý vị và người cho vay, cho phép quý vị vay tiền mua hoặc vay lại để mua nhà, đồng thời trao cho người cho vay quyền lấy tài sản của quý vị nếu quý vị không trả được số tiền đã vay.</p><p data-block-key="84enb">Nếu quý vị đã sẵn sàng để vay thế chấp, <a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">hãy tìm hiểu thêm về việc mua nhà.</a> <br/><br/></p><hr/><h2 data-block-key="929i0"><br/><b>Danh sách liệt kê việc hoàn thành vay thế chấp (Mortgage closing checklist)</b></h2><p data-block-key="9v36i">Danh sách liệt kê việc hoàn thành vay thế chấp là danh sách gồm các bước quý vị có thể thực hiện để chuẩn bị và tìm hiểu những gì sẽ xảy ra.Danh sách này sẽ giúp quý vị xác định những câu hỏi chính cần hỏi trước để quý vị có thể tự tin hoàn thành giao dịch.</p><p data-block-key="ejpa0"><a href="/owning-a-home/close/">Sử dụng bảng tính này để chuẩn bị cho bước cuối cùng trong giao dịch bất động sản.</a> <br/><br/></p><hr/><h2 data-block-key="e34d4"><br/><b>Lệ phí để hoàn thành giao dịch bất động sản (Mortgage closing costs)</b></h2><p data-block-key="bj0m2">Lệ phí để hoàn thành giao dịch bất động sản là tất cả các chi phí quý vị sẽ trả khi hoàn thành giao dịch. Trong đó bao gồm phí khởi tạo, phí thẩm định, chi phí cho bản báo cáo điểm và lịch sử dùng tín dụng, phí bảo hiểm chứng thư, cũng như bất kỳ khoản phí nào khác mà người cho vay yêu cầu hoặc được trả trong giao dịch thế chấp bất động sản. Người cho vay cần cung cấp bản tóm tắt những chi phí này cho quý vị trong <a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">Ước Tính Khoản Vay.</a></p><p data-block-key="ftgd6"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">Tìm hiểu thêm về những gì xảy ra ở bước cuối cùng trong giao dịch bất động sản.</a> <br/><br/></p><hr/><h2 data-block-key="21o7p"><br/><span id="mortgageinsurance"><b>Bảo hiểm khoản vay</span> (Mortgage insurance)</b></h2><p data-block-key="f3o49">Bảo hiểm khoản vay bảo vệ người cho vay nếu quý vị trả chậm trễ. Bảo hiểm khoản vay thường được yêu cầu nếu quý vị đặt cọc tiền ít hơn 20% giá trị tài sản. Bảo hiểm khoản vay cũng thường được yêu cầu đối với các khoản vay FHA và USDA. Tuy nhiên, nếu quý vị có khoản vay không do chính phủ hỗ trợ và tiền đặt cọc dưới 20%, rất có thể quý vị sẽ có bảo hiểm khoản vay thế chấp riêng (PMI).  <br/></p><p data-block-key="b2mm7"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">Hiểu cách bảo hiểm vay thế chấp hoạt động</a> <br/><br/></p><hr/><h2 data-block-key="6je4j"><br/><b>Điều chỉnh khoản vay thế chấp (Mortgage loan modification)</b></h2><p data-block-key="3mgam">Điều chỉnh khoản vay thế chấp là sự thay đổi trong các điều khoản cho vay. Việc điều chỉnh này là một loại giảm thiểu tổn thất.</p><p data-block-key="2u7md"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="7ldit"><br/><b>Vay lại khoản thế chấp (Mortgage refinance)</b></h2><p data-block-key="8bnc1">Vay lại khoản thế chấp là khi quý vị vay một khoản vay mới để trả hết và thay thế khoản vay cũ của mình. Những lý do phổ biến để vay lại là giảm lãi suất hàng tháng, giảm khoản tiền trả thế chấp hoặc vay thêm tiền. Khi vay lại, quý vị thường phải trả phí và lệ phí để hoàn thành giao dịch bất động sản. Nếu quý vị vay lại và nhận được khoản tiền trả hàng tháng thấp hơn, hãy đảm bảo rằng quý vị hiểu mức giảm là bao nhiêu từ lãi suất thấp hơn và khi thời hạn vay dài hơn.</p><p data-block-key="euvij"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">Hướng Dẫn Vay Lại Khoản Thế Chấp Dành Cho Người Tiêu Dùng</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="csjc9"><br/><br/></p><hr/><h2 data-block-key="b2g7s"><br/><b>Kỳ hạn vay thế chấp (Mortgage term)</b></h2><p data-block-key="8ilug">Kỳ hạn của khoản vay thế chấp là khoảng thời gian quý vị phải hoàn trả khoản vay. Đối với hầu hết các loại nhà, kỳ hạn vay thường là 15, 20 hoặc 30 năm.</p><p data-block-key="8nene"><a href="/owning-a-home/loan-options/">Khám phá các lựa chọn kỳ hạn vay</a>. <br/><br/></p><hr/><h2 data-block-key="ev5j3"><br/><b>Phí Khởi Tạo (Origination Fee)</b></h2><p data-block-key="863dj">Phí khởi tạo là những gì người cho vay tính phí cho người vay để thực hiện khoản vay thế chấp.Phí khởi tạo có thể bao gồm việc xử lý đơn đăng ký, bảo lãnh phát hành và cấp vốn cho khoản vay cũng như các dịch vụ hành chính khác. Phí khởi tạo nói chung chỉ có thể tăng trong một số trường hợp nhất định.</p><p data-block-key="52oph">Tìm hiểu thêm về <a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">chi phí khởi tạo thế chấp.</a> <br/><br/></p><hr/><h2 data-block-key="94c0j"><br/><b>Bảo hiểm chứng thư của chủ sở hữu (Owner's title insurance)</b></h2><p data-block-key="7cok7">Bảo hiểm chứng thư của chủ sở hữu bảo vệ người chủ nhà nếu ai đó kiện và nói rằng họ có yêu cầu bồi thường từ giá trị của ngôi nhà từ trước khi chủ nhà mua nhà đó.</p><p data-block-key="f6ie"><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="9df7k"><br/><b>Tài trợ vốn PACE (Pace financing)</b></h2><p data-block-key="4up0m">Tài trợ vốn PACE cung cấp cách tài trợ vốn để cải thiện khả năng sử dụng năng lượng hiệu quả của nhà ở.  </p><p data-block-key="aqnmf"><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="cnhdr"><b><br/>Yêu cầu bồi thường một phần (Partial claim)</b></h2><p data-block-key="f8t4d">Yêu cầu bồi thường một phần là cách sử dụng bảo hiểm thế chấp để giúp chủ nhà đang gặp khó khăn tránh bị tịch thu tài sản thế chấp. Công ty dịch vụ thế chấp đưa ra yêu cầu đối với bảo hiểm thế chấp cho số tiền của bất kỳ khoản thanh toán thế chấp nào còn nợ và công ty bảo hiểm sẽ dành số tiền đó trong tài khoản riêng. Sau đó, khi người vay vay lại khoản thế chấp, bán nhà hoặc chấm dứt khoản thế chấp, số tiền yêu cầu bồi thường một phần sẽ được thanh toán cho bên dịch vụ thế chấp. Đôi khi, số tiền yêu cầu bồi thường một phần không bao gồm toàn bộ số tiền chưa thanh toán và trong những trường hợp đó, người vay phải trả phần chênh lệch.<br/><br/></p><hr/><h2 data-block-key="cgqse"><br/><b>Số tiền trả hết (Payoff amount)</b></h2><p data-block-key="4ppc5">Số tiền trả hết là số tiền quý vị thực sự phải trả để đáp ứng điều khoản của khoản vay thế chấp và trả hết nợ. Số tiền trả hết khác với số dư nợ hiện tại. Số dư nợ hiện tại có thể không phản ánh số tiền quý vị thực sự phải trả để đáp ứng đầy đủ khoản vay. Số tiền trả hết cũng bao gồm việc trả bất kỳ khoản lãi nào quý vị nợ cho đến ngày quý vị dự định trả hết khoản vay. Số tiền trả hết còn có thể bao gồm các khoản phí khác quý vị đã phát sinh và chưa trả. <br/><br/></p><hr/><h2 data-block-key="et3tb"><br/><b>Yêu cầu PCS (PCS orders)</b></h2><p data-block-key="3gnbj">Quân nhân tại ngũ có thể cần thay đổi trạm vĩnh viễn (PCS). Yêu cầu PCS là sự di dời chính thức của một quân nhân (và bất kỳ gia đình nào sống cùng họ) đến một vị trí phục vụ quân đội khác.Nếu sở hữu nhà, quân nhân có thể chọn bán nhà đó. Nếu nợ tiền mua nhà nhiều hơn giá trị nhà, quân nhân có thể gặp khó khăn khi bán nhà của mình. Một số người làm dịch vụ cung cấp các chương trình cho phép quân nhân bán nhà và không phải trả lại số dư nợ còn lại. Truy cập <a href="https://www.consumerfinance.gov/consumer-tools/military-financial-lifecycle/">nguồn lực dành cho quân nhân</a> để biết thêm thông tin. <br/><br/></p><hr/><h2 data-block-key="emrpg"><br/><b>PITI</b></h2><p data-block-key="e8esp">Gốc, Lãi, Thuế, và Bảo Hiểm (gọi là PITI) là 4 yếu tố cơ bản của khoản tiền trả thế chấp hàng tháng.</p><p data-block-key="51r83"><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="e26a0"><br/><b>PMI</b></h2><p data-block-key="2bu6l">Bảo Hiểm Khoản Vay Thế Chấp Riêng (PMI) là loại bảo hiểm khoản vay có lợi cho người cho vay. Quý vị có thể phải trảPMI nếu đặt cọc tiền ít hơn 20% giá trị tài sản và có khoản vay không do chính phủ hỗ trợ. Quý vị có thể hủy PMI sau khi đã tích lũy được một số tiền vốn chủ sở hữu nhất định cho nhà của mình.</p><p data-block-key="87i2"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="https://www.consumerfinance.gov/ask-cfpb/what-is-private-mortgage-insurance-en-122/">Tìm hiểu thêm về thời điểm cần PMI</a> <br/><br/></p><hr/><h2 data-block-key="4qte3"><br/><b>Phí lãi trả trước (Prepaid interest charges)</b></h2><p data-block-key="bdk2b">Phí lãi trả trước là các khoản phí phải trả tại bước cuối cùng trong giao dịch bất động sản, áp dụng cho bất kỳ khoản lãi hàng ngày nào tích lũy trên khoản vay từ ngày quý vị hoàn thành khoản vay mua nhà đến thời hạn trả khoản thế chấp hàng tháng đầu tiên.  </p><p data-block-key="dfn1g"><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="521m5"><br/><b>Phạt trả trước (Prepayment penalty)</b></h2><p data-block-key="e5eb3">Phạt trả trước là khoản phí mà một số người cho vay tính nếu quý vị trả sớm hết hoặc một phần khoản thế chấp của mình. Nếu bị phạt trả trước, quý vị hẳn đã đồng ý với điều khoản này khi hoàn thành giao dịch mua nhà. Không phải khoản thế chấp nào cũng sẽ phạt trả trước.. <br/><br/></p><hr/><h2 data-block-key="33qab"><br/><b>Vốn gốc (Principal)</b></h2><p data-block-key="bci0s">Vốn gốc là số tiền vay khi mua nhà mà quý vị phải trả lại. Khoản tiền trả hàng tháng bao gồm một phần vốn gốc đó. Khi trả vốn gốc, người vay nợ ít hơn và sẽ trả lãi ít hơn dựa trên quy mô khoản vay thấp hơn.</p><p data-block-key="5vhff"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">Tìm hiểu sự khác biệt giữa lãi suất và vốn gốc</a>. <br/><br/></p><hr/><h2 data-block-key="bl3m3"><br/><b>Thuế tài sản (Property taxes)</b></h2><p data-block-key="2fpt7">Thuế tài sản là loại thuế do chính quyền địa phương tính, thường là ở cấp quận, dựa trên giá trị của tài sản bị đánh thuế. Thông thường, thuế tài sản được thu trong khoản tiền trả thế chấp hàng tháng của chủ sở hữu nhà, sau đó trả cho cơ quan có thẩm quyền liên quan một hoặc nhiều lần mỗi năm. Đây gọi là tài khoản ký quỹ. Nếu khoản vay không có tài khoản ký quỹ, chủ nhà sẽ trả trực tiếp thuế tài sản.</p><p data-block-key="4tnif"><a href="/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà.</a> <br/><br/></p><hr/><h2 data-block-key="29ga5"><br/><b>Khoản thế chấp đạt điều kiện (Qualified mortgage)</b></h2><p data-block-key="bidk9">Khoản Thế Chấp Đạt Điều Kiện là danh mục khoản vay có một số tính năng nhất định, ổn định hơn, qua đó quý vị có nhiều khả năng trả được khoản vay của mình.</p><p data-block-key="fgosn"><a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="dtbef"><br/><b>Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (Qualified Written Request - QWR)</b></h2><p data-block-key="6hcoe">Yêu Cầu Bằng Văn Bản Đủ Điều Kiện (hay QWR) là thư từ bằng văn bản mà quý vị hoặc ai đó đại diện cho quý vị có thể gửi cho người làm dịch vụ thế chấp. Thay vì QWR, quý vị cũng có thể gửi cho người làm dịch vụ Thông Báo Lỗi hoặc Yêu Cầu Thông Tin.</p><p data-block-key="1nnpq"><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="9oq8p"><br/><span id="repaymentplan"><b>Kế hoạch trả nợ</b></span> (Repayment plan)</h2><p data-block-key="7au8a">Kế hoạch trả nợ là cách có cấu trúc nhằm bù đắp các khoản tiền trả vay thế chấp quý vị bỏ lỡ trong khoảng thời gian nhất định. Đây là một hình thức <a href="#lossmitigation">giảm thiểu tổn thất</a>. Nếu quý vị gặp khó khăn khi trả tiền vay thế chấp, người cho vay hoặc người làm dịch vụ có thể cho phép quý vị <a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">tham gia kế hoạch trả nợ.</a> Trước khi tham gia kế hoạch trả nợ, hãy đảm bảo quý vị hiểu các yêu cầu của kế hoạch này và liệu có thể thực hiện các khoản tiền trả mới hay không.<br/><br/></p><hr/><h2 data-block-key="6qagi"><br/><b>Thế chấp ngược (Reverse mortgage)</b></h2><p data-block-key="f6qpv">Thế chấp ngược cho phép chủ sở hữu nhà từ 62 tuổi trở lên vay dựa trên phần vốn khi vay thế chấp mua nhà. Hình thức này gọi là thế chấp “đảo ngược” vì, thay vì trảcho người cho vay, quý vị sẽ nhận được tiền từ người cho vay. Số tiền quý vị nhận được và tiền lãi tính cho khoản vay sẽ làm tăng số dư nợ của quý vị mỗi tháng. Hầu hết các khoản thế chấp ngược ngày nay gọi là HECM (Chuyển Đổi Thế Chấp Của Vốn Chủ Sở Hữu).</p><p data-block-key="53b3t">Tìm hiểu những gì quý vị nên <a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/">cân nhắc trước khi nộp đơn xin thế chấp ngược.</a> <br/><br/></p><hr/><h2 data-block-key="88ss0"><br/><b>Quyền hủy bỏ (Right of rescission)</b></h2><p data-block-key="6q3re">Quyền hủy bỏ đề cập đến quyền của người tiêu dùng hủy bỏ một số loại khoản vay. Nếu đang mua một căn nhà có thế chấp, quý vị không có quyền hủy bỏ khoản vay sau khi ký kết và hoàn thành giao dịch bất động sản. Tuy nhiên, nếu đang vay lại một khoản thế chấp, quý vị có thời hạn đến nửa đêm của ngày làm việc thứ 3 sau giao dịch đó để hủy bỏ hợp đồng thế chấp. Thời hạn 3 ngày nói trên không bắt đầu cho đến khi quý vị ký hợp đồng tín dụng (thường gọi là giấy nhận nợ). Quý vị sẽ nhận mẫu <a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/">Cam Kết Trung Thực Trong Cho Vay</a> và 2 bản sao của thông báo giải thích quyền hủy bỏ của quý vị. <br/><br/></p><hr/><h2 data-block-key="2sv6f"><br/><b>Khoản thế chấp thứ hai (Second mortgage)</b></h2><p data-block-key="d96vr">Khoản thế chấp thứ hai hoặc quyền cầm giữ không ưu tiên là khoản vay quý vị vay bằng cách sử dụng ngôi nhà của mình làm tài sản thế chấp trong khi vẫn có một khoản vay khác được đảm bảo bằng ngôi nhà của mình.</p><p data-block-key="37baf"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">Tìm hiểu thêm về khoản thế chấp thứ hai.</a><br/><br/></p><hr/><h2 data-block-key="6stou"><br/><b>Quyền lợi được đảm bảo (Security interest)</b></h2><p data-block-key="6jbuo">Quyền lợi được đảm bảo là quyền cho phép người cho vay tịch thu nếu quý vị không trả lại số tiền mình đã vay.</p><p data-block-key="eo8mh"><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="a9vtl"><br/><b>Sự tài trợ vốn của người bán (Seller financing)</b></h2><p data-block-key="fvivi">Sự tài trợ vốn của người bán là khoản vay mà người bán nhà của quý vị cung cấp cho quý vị.  </p><p data-block-key="3rb04"><a>Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="96fbn"><br/><b>Người làm dịch vụ (Servicer)</b></h2><p data-block-key="3bup5">Người làm dịch vụ thế chấp là công ty gửi cho quý vị văn bản thế chấp của quý vị. Người làm dịch vụ cũng xử lý các công việc hàng ngày để quản lý khoản vay của quý vị.</p><p data-block-key="2ppgr">Người làm dịch vụ cho vay thường xử lý các khoản thanh toán tiền vay, trả lời câu hỏi của người vay, theo dõi vốn gốc và lãi đã trả, đồng thời quản lý <a href="#escrow">tài khoản ký quỹ</a> của quý vị (nếu có). Người làm dịch vụ cho vay có thể bắt đầu tịch thu tài sản thế chấp trong một số trường hợp nhất định. Người làm dịch vụ cho vay có thể là hoặc không phải là công ty ban đầu cho quý vị vay. <br/><br/></p><hr/><h2 data-block-key="djtk7"><br/><b>Thế chấp chia sẻ giá trị tăng (Shared appreciation mortgage)</b></h2><p data-block-key="9nh53">Theo khoản thế chấp chia sẻ giá trị tăng, quý vị đồng ý chia cho người cho vay một phần của bất kỳ sự gia tăng nào trong giá trị căn nhà của quý vị.  </p><p data-block-key="c6jd4"><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="b2m3v"><br/><span id="shortsale"><b>Bán thanh lý</b></span> (Short sale)</h2><p data-block-key="2b1bi">Bán thanh lý là việc bán căn nhà của quý vị với giá thấp hơn số tiền quý vị nợ khi thế chấp. Bán thanh lý là giải pháp thay thế cho hình thức tịch thu tài sản, nhưng vì đây là giao dịch nên quý vị sẽ phải rời khỏi nhà của mình. Nếu người cho vay hoặc người làm dịch vụ đồng ý bán thanh lý, quý vị có thể bán nhà để trả nợ thế chấp, ngay cả khi giá bán hoặc số tiền thu được thấp hơn số dư nợ còn lại trong khoản thế chấp. Bán thanh lý là một loại <a href="#lossmitigation">giảm thiểu tổn thất</a>. Nếu quý vị sống ở tiểu bang mà mình phải chịu trách nhiệm về bất kỳ khoản thiếu hụt nào (khoản chênh lệch giữa giá trị tài sản của quý vị và số tiền quý vị còn nợ trong khoản vay mua nhà), quý vị sẽ muốn yêu cầu người cho vay từ bỏ khoản thiếu hụt đó. Nếu người cho vay từ bỏ khoản thiếu hụt, hãy viết ra bằng văn bản và giữ trong hồ sơ của quý vị.<br/><br/></p><hr/><h2 data-block-key="dsi6d"><br/><b>Thế chấp dưới chuẩn (Subprime mortgage)</b></h2><p data-block-key="30qvu">Khi người cho vay sử dụng thuật ngữ này, họ thường muốn nói đến chương trình cho vay dành cho người vay không đủ điều kiện vay vốn chính, thường với lãi suất cao hơn.</p><p data-block-key="bm2db"><a href="/owning-a-home/">Tìm hiểu thêm về quá trình mua nhà.</a> <br/><br/></p><hr/><h2 data-block-key="3sval"><br/><b>Bản đồ địa hình (Survey)</b></h2><p data-block-key="d1p75">Bản đồ địa hình là bản vẽ về tài sản của quý vị, cho thấy vị trí của lô đất, ngôi nhà và bất kỳ cấu trúc nào khác, cũng như bất kỳ cải tiến nào đối với tài sản đó.</p><p data-block-key="58dnk"><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="997rv"><br/><b>Phí dịch vụ chứng thư (Title service fees)</b></h2><p data-block-key="1k5kf">Phí dịch vụ chứng thư nằm trong lệ phí để hoàn thành giao dịch bất động sản mà quý vị phải trả khi vay thế chấp. Khi mua nhà, quý vị sẽ nhận được tài liệu thường gọi là chứng thư, cho thấy người bán đã chuyển quyền sở hữu hợp pháp hoặc “quyền sở hữu” căn nhà cho quý vị. Phí dịch vụ chứng thư là chi phí liên quan đến việc ban hành chính sách bảo hiểm chứng thư cho người cho vay.  </p><p data-block-key="79rlu"><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="1pi0b"><br/><b>Phần trăm tổng lãi (Total interest percentage - TIP)</b></h2><p data-block-key="dc095">Phần Trăm Tổng Lãi (TIP) là thông tin tiết lộ cho quý vị biết số tiền lãi mà quý vị sẽ trả trong suốt thời hạn của khoản vay thế chấp.</p><p data-block-key="9l01u"><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="ap9ln"><br/><b>Tổng thanh toán (Total of payments)</b></h2><p data-block-key="4qonk">Con số này cho biết tổng số tiền quý vị sẽ phải trả trong suốt thời hạn thế chấp của mình.</p><p data-block-key="d8lv6"><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">Đọc thêm (bằng tiếng Anh)</a> <br/><br/></p><hr/><h2 data-block-key="bc5uc"><br/><b>TRID</b></h2><p data-block-key="beq86">“TRID” là từ viết tắt mà một số người sử dụng để chỉ TILA-RESPA Quy Định Công Khai Đầy Đủ (TILA RESPA Integrated Disclosure).</p><p data-block-key="6tfkk"><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">Đọc thêm (bằng tiếng Anh)</a><br/><br/></p><hr/><h2 data-block-key="7m28v"><br/><b>Khoản Vay USDA (USDA Loan)</b></h2><p data-block-key="bor4s">Dịch Vụ Nhà Ở Nông Thôn thuộc Bộ Nông Nghiệp Hoa Kỳ (USDA) cung cấp các chương trình thế chấp không cần đặt cọc tiền và lãi suất thường ưu đãi cho những người mua nhà ở nông thôn đáp ứng yêu cầu về thu nhập của USDA.</p><p data-block-key="dj05g"><a href="/owning-a-home/loan-options/special-loan-programs/">Tìm hiểu thêm về khoản vay này và các chương trình cho vay đặc biệt khác.</a><br/><br/></p><hr/><h2 data-block-key="7cliu"><br/><b>Khoản vay VA (VA loan)</b></h2><p data-block-key="11aol">Khoản vay VA là chương trình cho vay do Bộ Cựu Chiến Binh (VA) cung cấp, nhằm giúp quân nhân, cựu chiến binh và vợ/chồng còn sống đủ điều kiện mua nhà.VA không thực hiện các khoản vay nhưng đặt ra quy tắc về những người có thể đủ điều kiện và điều khoản thế chấp. VA đảm bảo một phần khoản vay để giảm rủi ro thua lỗ cho người cho vay. Các khoản vay nói chung chỉ có sẵn cho một nơi cư trú chính.</p><p data-block-key="5lb9a">Nếu quý vị là cựu chiến binh, hãy tìm hiểu xem  <a>khoản vay VA có phù hợp với mình không.</a></p>
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diff --git a/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html
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--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1480 @@
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+       >
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
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+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Testimony
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+    >
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+       href="/about-us/newsroom/?categories=directors-statement"
+       >
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+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+       >
+        Consumer Advisories
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+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
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+                        <a href="/language/vi/" hreflang="vi" lang="vi">
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+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
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+                </ul>
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
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+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/vi/">
+                    CFPB in Vietnamese
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top block__padded-bottom block__border-bottom">
+    <div class="eyebrow">Shopping for a mortgage (in Vietnamese)</div>
+<h1>Tìm kiếm khoản vay thế chấp</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">Việc tìm kiếm khoản vay thế chấp cần thời gian và năng lương. Nhưng việc đó có thể giúp quý vị tiết kiệm hàng ngàn đô la. Đặt mục tiêu so sánh ít nhất ba khoản vay được cung cấp từ những nhà cho vay khác nhau.</p>
+    </div>
+    <p data-block-key="r6fgt"><b>Trên trang này:</b></p><ul><li data-block-key="27m3f"><a href="#preapproval">Nhận được ít nhất ba thư phê duyệt trước</a></li><li data-block-key="5j0fg"><a href="#shop">Tìm kiếm thời hạn cho vay, cấu trúc lãi suất và các chương trình</a></li><li data-block-key="2dqj8"><a href="#loanprogram">Chương trình cho vay: Chương trình FHA, VA thông thường hay đặc biệt</a></li><li data-block-key="cj8t9"><a href="#compareoffers">So sánh các khoản vay được cung cấp</a></li><li data-block-key="16en"><a href="#betterdeal">Yêu cầu một thỏa thuận tốt hơn</a></li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8"><b><span id="preapproval"></span>Nhận được ít nhất ba thư</b> <b>phê duyệt trước</b></h2><p data-block-key="41m4n">Internet và báo chí là một nơi tốt để quý vị bắt đầu tìm kiếm những nhà cung cấp khoản vay. Liên lạc với các ngân hàng, hiệp hội tín dụng và các tổ chức có thể chuyên về trường hợp của quý vị—chẳng hạn như những người mua nhà lần đầu, cựu chiến binh, nhân viên dịch vụ công cộng hoặc những người khác.</p><p data-block-key="29n54">Hỏi ít nhất ba nhà cho vay khác nhau để được “phê duyệt trước”. Điều này có nghĩa là nhà cung cấp khoản vay sẽ xem xét tình hình tài chính của quý vị, bao gồm cả báo cáo tín dụng của quý vị, và ước tính số tiền quý vị có thể vay cũng như mức lãi suất mà quý vị có thể phải trả.</p><p data-block-key="7t2j0">Phê duyệt trước cho phép quý vị thử từng nhà cung cấp khoản vay để xem loại khoản vay và giá mà họ đưa ra. Khi quý vị nhận được cả ba thư phê duyệt trước trong một thời gian ngắn, điểm tín dụng của quý vị sẽ không bị ảnh hưởng nhiều.</p><p data-block-key="pob0">Quý vị sẽ trở lại với những nhà cung cấp khoản vay này khi quý vị đã đưa ra một số quyết định và yêu cầu họ cung cấp các khoản vay.</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>Tìm kiếm thời hạn cho vay, cấu trúc lãi suất và các chương trình</h2><h3 data-block-key="2koet">Thời hạn cho vay: Dài hơn hoặc ngắn hơn</h3><p data-block-key="332dp">Nói chung, thời hạn cho vay dài hơn sẽ tốn nhiều chi phí hơn trong suốt thời hạn của khoản vay. Nhưng các khoản thanh toán hàng tháng của quý vị thường thấp hơn. Quý vị có thể thương lượng một thời hạn cho vay khác với nhà cho vay của mình, chẳng hạn như 20 năm, 7 năm hoặc thậm chí lâu hơn 30 năm.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30 năm
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Cho thấy">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ẩn">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">Hầu hết người mua nhà chọn khoản vay 30 năm vì các khoản thanh toán có thể thấp.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15 năm
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Cho thấy">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ẩn">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ia7g5">Các khoản thanh toán thường cao hơn so với các khoản vay 30 năm, nhưng khoản vay của quý vị được trả hết trong 15 năm và tổng chi phí của khoản vay có thể thấp hơn.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="co-cau-lai-suat-cho-vay-lai-suat-co-inh-hoac-lai-suat-ieu-chinh">
+    <h3>Cơ cấu lãi suất cho vay: Lãi suất cố định hoặc lãi suất điều chỉnh</h3>
+        <p><p data-block-key="gh5z4">Các khoản vay có lãi suất cố định là phổ biến. Khoản thanh toán ban đầu của quý vị có thể thấp hơn với khoản vay có lãi suất có thể điều chỉnh, nhưng nếu lãi suất tăng, quý vị có thể phải đối mặt với các khoản thanh toán tăng cao.</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            Khoản vay có lãi suất cố định
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Cho thấy">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ẩn">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ia7g5">Lãi suất và khoản thanh toán hàng tháng của quý vị sẽ giữ nguyên trong suốt thời gian vay của quý vị.</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            Vay thế chấp với lãi suất được điều chỉnh (ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="Cho thấy">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="Ẩn">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="ia7g5">Lãi suất của quý vị thường được cố định trong vài năm đầu tiên của khoản vay. Sau khi hết thời hạn cố định, tỷ lệ sẽ điều chỉnh theo định kỳ (các khoảng thời gian đều đặn) dựa trên “chỉ số”. Chỉ số là thước đo lãi suất nói chung và nó phản ánh các xu hướng trong nền kinh tế nói chung. Điều này có nghĩa là số tiền thanh toán của quý vị có thể tăng hoặc giảm. Thông tin chi tiết được bao gồm trong Bảng Ước Tính khoản vay mà quý vị nhận được từ nhà cho vay.</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="sboth"><b><span id="loanprogram"></span>Chương trình cho vay: Chương trình FHA, VA thông thường hay đặc biệt</b></h2><p data-block-key="5plpc">Có nhiều chương trình cho vay, và một số chương trình được thiết lập để giúp những người trong một số hoàn cảnh hoặc nhóm nhất định có thể nhận được các khoản vay thế chấp.</p><h3 data-block-key="3o868">Trả trước từ 5% hoặc hơn?</h3><p data-block-key="fa7e5">Hỏi về khoản vay đủ điều kiện của Fannie Mae hoặc Freddie Mac, thường được gọi là khoản vay “thông thường”.</p><h3 data-block-key="dpnfg">Chỉ trả trước một khoản tiền nhỏ?</h3><p data-block-key="dpadf">Hỏi về khoản vay được FHA bảo đảm.</p><h3 data-block-key="5pcqe">Quân nhân hay cựu chiến binh?</h3><p data-block-key="78vo5">Hỏi về khoản vay được VA bảo đảm.</p><h3 data-block-key="4fp20">Mua nhà ở vùng nông thôn?</h3><p data-block-key="bgvcl">Hỏi về khoản vay do USDA tài trợ.</p><h3 data-block-key="da9q4">Người mua nhà lần đầu có thu nhập thấp hoặc trung bình?</h3><p data-block-key="5b4su">Hỏi về các khoản vay có sẵn thông qua cơ quan tài chính nhà ở của tiểu bang của quý vị.</p><h2 data-block-key="3po5v"><b><span id="compareoffers"></span>So sánh các khoản vay được cung cấp</b></h2><p data-block-key="9pjae">Bây giờ, đã đến lúc bắt đầu quá trình nộp đơn chính thức. Yêu cầu nhà cho vay của quý vị cung cấp các khoản vay phản ánh các lựa chọn của quý vị về loại khoản vay, chương trình và thời hạn. Sau đó, quý vị sẽ có thể so sánh các khoản vay giống nhau.<br/><br/></p><p data-block-key="a2514"><b>Đầu tiên, so sánh các phần cơ bản của khoản vay:</b></p><ul><li data-block-key="3itda">Thời hạn của khoản vay là gì?</li><li data-block-key="4p73m">Lãi suất là gì? Khoản vay dựa trên số tiền trả trước nào?</li><li data-block-key="43vkf">Số tiền phải trả hàng tháng là bao nhiêu?</li><li data-block-key="62ep3">Đối với các khoản vay có lãi suất có thể điều chỉnh, việc điều chỉnh thanh toán và lãi suất có bị giới hạn không? Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc?</li></ul><p data-block-key="40pio"><b>Tiếp theo, so sánh các chi tiết còn lại có thể ảnh hưởng đến chi phí của</b> <b>quý</b> <b>vị:</b></p><ul><li data-block-key="17pnl">Khi nào các khoản thanh toán của tôi sẽ trả hết tiền gốc của tôi?</li><li data-block-key="egdaa">Các khoản thanh toán có thay đổi trong suốt thời hạn của khoản vay không?</li><li data-block-key="525bf">Thanh toán của tôi có thể cao đến mức nào?</li><li data-block-key="nucd">Khoản thanh toán của tôi có bao gồm thuế bất động sản và bảo hiểm không? Nếu không, tôi có đủ khả năng để thanh toán những khoản đó riêng không?</li><li data-block-key="4chbm">Những chi phí và lệ phí nào sẽ được thêm vào khoản thanh toán ban đầu của tôi? Đối với khoản thanh toán đang diễn ra của tôi?</li><li data-block-key="2r3gq">Tôi có cần phải trả điểm (các khoản phí trả trước làm giảm lãi suất của <b>quý</b> <b>vị</b>) không?</li><li data-block-key="a8i51">Những khoản phí và chi phí nào được bao gồm trong số tiền tôi sẽ vay (điển hình cho khoản vay “không có chi phí khóa sổ”)?</li><li data-block-key="1d05h">Khoản vay được cung cấp bằng văn bản có khớp với những gì tôi được cho biết về khoản vay không?</li><li data-block-key="52rep">Tôi có thể nhận được thỏa thuận tốt hơn về các dịch vụ thanh toán từ các nhà cung cấp dịch vụ khác nhau không?</li><li data-block-key="6ejj8">Tôi có thể hoàn trả khoản vay sớm hoặc thanh toán nhiều hơn so với lịch trình mà không bị phạt không?</li></ul><h2 data-block-key="73pel"><b><span id="betterdeal"></span>Yêu cầu một thỏa thuận tốt hơn</b></h2><p data-block-key="5evp7">Khi quý vị thấy các khoản vay được cung cấp từ một số nhà cho vay, hãy hỏi xem họ có thể cung cấp các khoản vay tốt hơn không. Thương lượng là phổ biến, và không có hại gì khi hỏi. Nhà cung cấp khoản vay có thể miễn hoặc giảm một hoặc nhiều khoản phí, hoặc giảm lãi suất hoặc điểm.</p><p data-block-key="4jj0d">Hãy bảo đảm rằng nhà cung cấp khoản vay không giảm một khoản phí trong khi tăng một khoản phí khác hoặc giảm lãi suất của quý vị nhưng tăng điểm của quý vị.</p>
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+   <div class="block block__flush-top">
+      <div class="m-related-links">
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+                Giới thiệu về chúng tôi
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+    <p data-block-key="3oz8c">Chúng tôi là Cục Bảo Vệ Tài Chính Người Tiêu Dùng (CFPB), một cơ quan của chính phủ Hoa Kỳ bảo đảm rằng các ngân hàng, nhà cung cấp khoản vay và các công ty tài chính khác đối xử công bằng với quý vị.</p><p data-block-key="59hl7"></p><p data-block-key="5j8fs"><a href="/about-us/the-bureau/">Tìm hiểu cách CFPB có thể giúp quý vị (Đọc bằng Tiếng Anh)</a></p><p data-block-key="f114d"></p>
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diff --git a/www.consumerfinance.gov/language/vi/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/vi/shopping-for-your-auto-loan/index.html
new file mode 100644
index 000000000000..acb05f65c2e3
--- /dev/null
+++ b/www.consumerfinance.gov/language/vi/shopping-for-your-auto-loan/index.html
@@ -0,0 +1,1468 @@
+<!DOCTYPE html>
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                        Featured
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+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
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+                aria-label="News"
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+       >
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+       >
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+                aria-label="News"
+                >
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+    >
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+       >
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+    </a>
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+    >
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+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
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+       >
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+                m-global-eyebrow__list">
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+                    ">
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+                        </a>
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+                            Kreyòl Ayisyen
+                        </a>
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+          id="main">
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+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/vi/">
+                    CFPB in Vietnamese
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">Shopping for your auto loan (in Vietnamese)</div>
+<h1>Tìm khoản vay mua xe của quý vị</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/shopping-for-your-auto-loan/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>
+                <a href="/language/zh/shopping-for-your-auto-loan/"
+                lang="zh-Hant"
+                hreflang="zh-Hant"
+                translate="no">中文
+                </a>
+            </li>
+            <li>Tiếng Việt</li>
+            <li>
+                <a href="/language/ko/shopping-for-your-auto-loan/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/shopping-for-your-auto-loan/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/shopping-for-your-auto-loan/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/shopping-for-your-auto-loan/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/shopping-for-your-auto-loan/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="rdfun">Tìm khoản vay mua xe, lãi suất và các điều khoản khác tốt nhất, mặc dù phức tạp nhưng cũng giống như các hình thức mua sắm và so sánh khác. Tìm trước sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="zj2tk">Chuẩn bị trước khi quý vị nộp đơn xin vay mua xe</h2><p data-block-key="9rgc7">Quý vị sẽ có lợi thế hơn khi tìm và thương lượng khoản vay mua xe, nếu thực hiện theo các bước bên dưới trước khi nộp đơn xin vay.</p><h3 data-block-key="e5vrp">Kiểm tra báo cáo tín dụng của quý vị</h3><p data-block-key="3tlbu">Thông tin trong báo cáo tín dụng của quý vị quyết định điểm tín dụng. Điểm tín dụng này đóng vai trò quan trọng trong việc xác định loại tiền vay mua xe nào và quý vị sẽ trả lãi suất bao nhiêu cho khoản vay đó. Sau đây là một số tài liệu có ích:</p><ul><li data-block-key="fbp57">Để nhận được một bản sao miễn phí báo cáo tín dụng của quý vị hàng năm từ một trong 3 cơ quan báo cáo tín dụng toàn quốc, hãy truy cập <a class="a-link a-link__icon" data-pretty-href="https://www.annualcreditreport.com" href="/external-site/?ext_url=https%3A%2F%2Fwww.annualcreditreport.com&amp;signature=hRDTWUTguaQtd0OufEYWoVK8AW1e4OA9SuIcKvRY62s"><span class="a-link_text">annualcreditreport.com</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="67sah">Để tìm hiểu cách kiểm tra báo cáo tín dụng để xem có lỗi hay không và cách khiếu nại về bất kỳ lỗi nào, hãy truy cập <a class="" data-pretty-href="cfpb.gov/askcfpb/314" href="https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/">consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314</a></li><li data-block-key="fmc1m">Để tìm hiểu về báo cáo tín dụng và điểm tín dụng, hãy truy cập <a href="https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/">consumerfinance.gov/consumer-tools/credit-reports-and-scores</a></li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="53x1t">Quý vị có cần một người đồng ký tên hay không?</h3><p data-block-key="7402t">Người đồng ký tên là người – chẳng hạn như cha/mẹ, thành viên gia đình, hoặc bạn bè –có nghĩa vụ theo hợp đồng trong việc hoàn trả khoản vay giống như quý vị. Nếu lịch sử tín dụng của quý vị bị hạn chế hoặc cần cải thiện và quý vị có điểm tín dụng thấp (hoặc không có điểm tín dụng), lãi suất của quý vị có thể thấp hơn nhiều, nếu quý vị có một người đồng ký tên có tín dụng tốt hoặc xuất sắc. Đó là do bên cho vay sẽ dựa vào lịch sử và điểm tín dụng của người đồng ký tên đó khi quyết định cho vay.</p><p data-block-key="aoqrq">Nếu quý vị đang suy nghĩ muốn nhờ một người đồng ký tên, quý vị và người đó nên suy nghĩ kỹ về quyết định này. Nếu quý vị không hoàn trả khoản vay, quý vị và người đồng ký tên sẽ phải có trách nhiệm hoàn trả. Người đồng ký tên có trách nhiệm đối với khoản vay mặc dù họ không có quyền sở hữu xe. Ngoài ra, mọi khoản trả góp trễ cũng sẽ ảnh hưởng đến cả hồ sơ và điểm tín dụng của quý vị và người đồng ký tên đó. Luật pháp liên bang cấm bên cho vay yêu cầu quý vị phải có người đồng ký tên nếu quý vị nộp đơn xinvay với tư cách cá nhân và quý vị đủ điều kiện theo các tiêu chuẩn về mức tín nhiệm của bên cho vay. Để biết thêm thông tin về việc đồng ký tên, hãy truy cập <a class="" data-pretty-href="cfpb.gov/askcfpb/811" href="https://www.consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811/">consumerfinance.gov/ask-cfpb/why-might-i-need-a-co-signer-in-order-to-get-vehicle-financing-en-811</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Kiểm tra lãi suất vay mua xe hiện hành</h3><p data-block-key="c65uf">Quý vị có thể tìm hiểu lãi suất bằng cách liên lạc với một số ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác. Quý vị cũng có thể xem trên mạng tại nhiều trang web thương mại có ước tính mức lãi suất cho toàn quốc và theo mã zip của quý vị. Một số trang web thương mại sẽ liên kết quý vị với các bên cho vay và đại lý cụ thể để biết các con số ước tính, do đó quý vị nên cẩn thận khi nhập thông tin cá nhân.</p><h3 data-block-key="7r4tv">Nên trả tiền đặt cọc</h3><p data-block-key="8tnai">Tiền đặt cọc sẽ giúp giảm tổng số tiền tài trợ vì quý vị chỉ vay ít hơn. Khoản tiền đặt cọc càng lớn, thì tổng chi phí vay càng thấp.</p><h3 data-block-key="aqsro">Quý vị nên quyết định xem có nên bán lại chiếc xe hiện tại của mình cho đại lý hay không</h3><p data-block-key="bhh6d">Nếu quý vị đã sở hữu một chiếc xe, hãy tìm giá thị trường của nó để xem được bao nhiêu khi bán lại cho đại lý hoặc bán cho tư nhân. Quý vị có thể tra cứu giá ước tính ở các trang web thương mại trực tuyến như Consumer Reports, Edmunds, Kelley Blue Book, J.D. Power và các mục rao vặt trực tuyến. Các tài nguyên này cũng có tại thư viện địa phương. Tìm các xe tương tự đã bán gần đây trong khu vực của quý vị sẽ cho biết được giá thị trường.</p><p data-block-key="5l2vl">Một khi được biết chiếc xe hiện tại của mình trị giá khoảng bao nhiêu, quý vị có thể quyết định có nên bán lại cho đại lý hay bán cho tư nhân. Nếu quý vị bán lại cho một đại lý, thì quý vị và đại lý sẽ quyết định giá để trừ vào tổng số tiền mua xe mới. Nếu quý vị tự bán cho tư nhân, thì quý vị có thể sử dụng số tiền đó làm khoản đặt cọc.</p><h2 data-block-key="cpj5o">Nếu quý vị đang vay mua xe hiện tại mà quý vị muốn bán lại cho đại lý, thì hãy suy nghĩ kỹ</h2><p data-block-key="dqm3s">Nên cẩn thận xem có nên vay thêm nợ mới hay không. Sau đây là một số điểm cần suy nghĩ và các bước:</p><ul><li data-block-key="6bl3t">Trước khi đến đại lý, quý vị nên gọi bên cho vay hiện tại để lấy thông tin về tổng số tiền cần phải trả hết nợ hiện tại.</li><li data-block-key="29s0r">Quyết định xem liệu quý vị sẽ trả hết khoản vay hiện tại ngay lúc này, chờ đến khi trả hết khoản vay mua xe cũ trước khi quý vị vay mua một chiếc xe khác, hay vay mua xe mới thêm vào khoản đang vay mua xe cũ.</li><li data-block-key="6erf2">Nếu quý vị đang có số tiền nợ chiếc xe hiện tại nhiều hơn giá trị của nó — được gọi là <b>upside down</b> — thì quý vị bị <b>âm vốn</b>. Nếu quý vị chuyển số dư của khoản vay mua xe hiện tại vào khoản vay mua xe mới, điều này có thể làm cho khoản vay mua xe mới trở nên đắt hơn nhiều. Tổng chi phí vay sẽ cao hơn vì quý vị sẽ vay nhiều hơn giá của chiếc xe mới.</li><li data-block-key="3flpi">Sau khi tìm hiểu giá bán lại cho đại lý xe, nếu số tiền quý vị vẫn còn nợ trên chiếc xe muốn bán lại thấp hơn giá trị của nó, hãy nhớ khi thương lượng quý vị nên xem mình có nhận được giá thị trường cho chiếc xe bán lại và có khả năng trả hết khoản vay mua xe cũ.</li></ul>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h3 data-block-key="m8tu6">Có phải quý vị vẫn nợ tiền chiếc xe muốn bán lại không?</h3><p data-block-key="9g3b9">Nếu lúc này quý vị muốn chuyển số dư của khoản vay cũ sang khoản vay mới, quý vị nên hiểu điều này sẽ ảnh hưởng đến tổng chi phí khoản vay mới của quý vị. Hãy xem kỹ tổng chi phí của khoản vay mới bao gồm số tiền đã vay, lãi suất phần trăm hàng năm (APR), mức lãi suất, thời hạn vay (tháng) và khoản trả góp hàng tháng – trước khi quý vị đồng ý với bất kỳ điều khoản nào. Nếu quý vị không chuyển số tiền vẫn còn nợ chiếc xe cũ sang khoản vay mới, và giữ lại chiếc xe hiện tại đồng thời mua một chiếc mới, thì quý vị sẽ có hai khoản vay và hai khoản trả góp hàng tháng cần trả. Cách nào thì quý vị cũng phải tính toán xem nên tiến hành giao dịch và mua xe mới, nếu quý vị vẫn nợ tiền chiếc xe muốn bán lại có phải là việc hợp lý hay không. Để biết thêm thông tin, hãy truy cập <a class="" data-pretty-href="cfpb.gov/askcfpb/779" href="https://www.consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779/">consumerfinance.gov/ask-cfpb/i-owe-more-on-my-current-loan-than-my-current-vehicle-is-worth-what-do-i-need-to-know-if-i-buy-a-new-vehicle-en-779</a>.</p>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h3 data-block-key="8t4nh">Hãy suy nghĩ trước khi mua them những lựa chọn bổ sung</h3><p data-block-key="3tk6a">Khi quý vị đến một đại lý bán xe, quý vị sẽ được đề nghị các sản phẩm và dịch vụ bổ sung cho chiếc xe hoặc cho khoản vay. Quý vị nên suy nghĩ trước về những lựa chọn bổ sung này, để quý vị không bị căng thẳng tại đại lý và có sẵn câu trả lời khi được hỏi mua các sản phẩm bổ sung này. Các sản phẩm bổ sung thường gặp gồm có:</p><ul><li data-block-key="a71f8"><a class="" data-pretty-href="cfpb.gov/askcfpb/825" href="https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-a-manufacturers-warranty-and-an-extended-vehicle-warranty-or-service-contract-en-825/"><b>Hợp đồng dịch vụ bảo trì hoặc bảo hành dài hạn</b></a></li><li data-block-key="bvv4k"><a class="" data-pretty-href="cfpb.gov/askcfpb/797" href="https://www.consumerfinance.gov/ask-cfpb/what-is-guaranteed-auto-protection-gap-insurance-en-797/"><b>Bảo hiểm Bảo Vệ Ôtô (GAP)</b></a></li><li data-block-key="8hlak"><a class="" data-pretty-href="cfpb.gov/askcfpb/799" href="https://www.consumerfinance.gov/ask-cfpb/what-is-credit-insurance-for-an-auto-loan-en-799/"><b>Bảo hiểm tín dụng</b></a></li><li data-block-key="edkoh"><b>Các tính năng bổ sung cho xe</b>, ví dụ như hệ thống báo động, dán film cửa sổ, bảo vệ lốp và bánh xe và các sản phẩm khác</li></ul><p data-block-key="d8i46">Các sản phẩm và dịch vụ này, mà quý vị có thể nhận tài trợ, là không bắt buộc. Nếu muốn mua, quý vị có thể thương lượng giá cả. Nếu quý vị cho rằng mình muốn mua các sản phẩm hoặc dịch vụ này, hãy tìm hiểu. Ví dụ, công ty bảo hiểm xe của quý vị có thể cung cấp bảo hiểm GAP, bảo hiểm tín dụng hoặc các phương án thay thế khác. Nếu quý vị mua các sản phẩm bổ sung tùy chọn bằng khoản vay của mình, số tiền quý vị vay và phải trả sẽ tăng.</p><p data-block-key="evtd7">Lúc này quý vị đã tìm hiểu xong, quý vị sẽ sẵn sàng thực hiện bước tiếp theo: tìm khoản vay mua xe. <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/201606_cfpb_auto-loan-worksheet.pdf"><span class="a-link_text">Sử dụng bảng tính cho vay mua ô tô tại consumerfinance.gov để theo dõi các điều khoản cho vay và so sánh các lựa chọn của quý vị.</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> Mang bảng tính này đến ngân hàng, liên hiệp tín dụng, bên cho vay khác và đại lý để quý vị có thể so sánh các lựa chọn vay và có được giao dịch tốt nhất cho mình.</p><h2 data-block-key="82bj6">Tìm khoản vay mua xe</h2><p data-block-key="dqthp">Lúc này quý vị đã sẵn sàng bắt đầu tìm khoản vay. Trước khi đến đại lý, hãy thu thập thông tin cá nhân của quý vị và nên xin phê duyệt trước cho khoản vay.</p><p data-block-key="c2q0e">Tìm hiểu trước khi mua sẽ giúp quý vị sẵn sàng thương lượng khoản vay mua xe và giúp cho quá trình này bớt căng thẳng hơn.</p><h3 data-block-key="f6jf9">Thu thập thông tin cá nhân của quý vị</h3><p data-block-key="9qd43">Khi quý vị đến ngân hàng, liên hiệp tín dụng, hoặc đại lý, hãy đảm bảo thu thập mọi thông tin quý vị sẽ cần đến. Các bên cho vay sẽ thường yêu cầu thông tin này trong đơn xin vay:</p><ul><li data-block-key="84f3k">Tên</li><li data-block-key="607d0">Số An Sinh Xã Hội hoặc ITIN</li><li data-block-key="6plff">Ngày sinh</li><li data-block-key="8f981">Địa chỉ hiện tại và trước đây và thời gian lưu trú</li><li data-block-key="15mct">Hãng sở hiện tại và trước đây và thời gian tuyển dụng</li><li data-block-key="flfrs">Nghề nghiệp</li><li data-block-key="e73ou">Các nguồn thu nhập</li><li data-block-key="e0vm">Tổng thu nhập gộp hàng tháng</li><li data-block-key="8eqfc">Thông tin tài chính về các tài khoản tín dụng hiện tại, bao gồm các khoản nợ khác</li></ul><h3 data-block-key="7gm0l">Xin phê duyệt trước cho khoản vay</h3><p data-block-key="ancfs">Khi nhận đề nghị vay được phê duyệt trước hoặc báo giá với số tiền vay tối đa và lãi suất từ một ngân hàng, liên hiệp tín dụng, hoặc bên cho vay khác là một bước khởi đầu đúng đắn. Nếu quý vị mang theo báo giá khoản vay từ một bên cho vay đến đại lý, quý vị có thể có vị thế thương lượng mạnh hơn để có được một giao dịch tốt hơn, cho dù quý vị bám theo đề nghị quý vị mang theo hay quyết định chấp nhận đề nghị tài trợ của đại lý.</p><p data-block-key="7hmlh">Việc phê duyệt trước cũng giúp quý vị không vượt quá ngân sách của mình và cho phép so sánh các lãi suất mà không bị áp lực thời gian khi ở tại đại lý. Sau đó, tại đại lý, quý vị có thể tập trung nhiều vào giá thực tế của chiếc xe và xe muốn bán lại cho đại lý bởi quý vị đã biết rõ các điều khoản vay có thể nhận được. Quý vị vẫn sẽ có cơ hội thương lượng một khoản vay tốt hơn tại đại lý và không sử dụng sự phê duyệt trước của mình.</p><p data-block-key="2erv2">Nếu đơn của quý vị được phê duyệt trước, bên cho vay sẽ cung cấp cho quý vị giấy tờ để mang đến đại lý. Một khi quý vị sẵn sàng mua, đại lý sẽ thực hiện các dàn xếp cuối cùng với bên cho vay của quý vị.</p><h3 data-block-key="9e9g">Hiểu rõ việc tìm một khoản vay ảnh hưởng thế nào đến điểm tín dụng của quý vị</h3><p data-block-key="ed00">Việc tìm giao dịch tốt nhất cho khoản vay mua xe sẽ có ít hoặc không có ảnh hưởng đến điểm tín dụng của quý vị. Lợi ích của việc tìm khoản vay sẽ cao hơn nhiều so với bất kỳ sự ảnh hưởng nào với tín dụng của quý vị. Trong một số trường hợp, việc đăng ký nhiều khoản vay trong thời gian dài có thể làm giảm điểm tín dụng. Tùy vào mô hình tính điểm tín dụng được dùng, thường thì các yêu cầu hay thắc mắc của các bên cho vay này về điểm tín dụng của quý vị, diễn ra trong khoảng thời gian từ 14 đến 45 ngày sẽ chỉ được tính là một lần yêu cầu thôi. Điều này có nghĩa là việc tìm một khoản vay mua xe trong khoảng thời gian đó sẽ được tính giống như khi nộp đơn xin chomột khoản vay. Quý vị có thể giảm đi ảnh hưởng xấu với điểm tín dụng của mình bằng cách thực hiện tất cả hoạt động tìm hiểu lãi suất trong một khoảng thời gian ngắn.</p><h3 data-block-key="ff4qh">Nắm rõ các quyền của quý vị</h3><p data-block-key="4epq2">Bên cho vay không được ngăn cản hay từ chối đơn xin vay của quý vị, hoặc đề nghị các giá khác nhau hay các điều khoản và điều kiện vay khác, dựa trên chủng tộc, màu da, tôn giáo, xuất xứ quốc gia, giới tính, tình trạng hôn nhân, tuổi tác, việc nhận thu nhập trợ cấp công, hoặc có ý thực hiện bất kỳ quyền nào theo Đạo Luật Bảo Vệ Tín Dụng Người Tiêu Dùng.</p><p data-block-key="55jgs">Quý vị có thể nộp khiếu nại trực tuyến cho Ủy Ban Thương Mại Liên Bang (FTC) tại <a class="a-link a-link__icon" href="https://reportfraud.ftc.gov/"><span class="a-link_text">reportfraud.ftc.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> Hoặc nộp cho Cục Bảo Vệ Tài Chính Người Tiêu Dùng (CFPB) tại <a href="https://www.consumerfinance.gov/complaint/">consumerfinance.gov/complaint</a> hoặc gọi số miễn cước 1-855-411-CFPB (2372).</p>
+            </div>
+</div>
+   </div>
+        </section>
+    </div>
+    <aside class="content_sidebar o-sidebar-content">
+   <div class="block block__flush-top">
+<div class="o-email-signup">
+    <header class="m-slug-header">
+        <h2 class="m-slug-header_heading ">
+            Luôn được cập nhật thông tin
+        </h2>
+    </header>
+    <p>
+        <p data-block-key="j867d">Đăng ký nhận thông tin để hỗ trợ cộng đồng đa ngôn ngữ</p>
+    </p>
+    <form class="o-form o-form__email-signup"
+          id="o-form__email-signup_1"
+          method="POST"
+          action="/subscriptions/new/"
+          enctype="application/x-www-form-urlencoded">
+  <div class="m-notification">
+      <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg>
+      <div class="m-notification_content"
+          >
+      </div>
+  </div>
+        <div class="m-form-field">
+            <label class="a-label a-label__heading" for="email_1">
+                Địa chỉ email
+            </label>
+            <input class="a-text-input a-text-input__full"
+                   id="email_1"
+                   name="email"
+                   type="email"
+                   placeholder="mail@example.com"
+                   required>
+        </div>
+        <div class="o-email-signup_buttons">
+            <button class="a-btn">Đăng ký</button>
+            <a class="a-btn a-btn__link a-btn__secondary"
+               href="/privacy/email-sign-privacy-act-statement/"
+               target="_blank"
+               rel="noopener noreferrer">
+                Xem tuyên bố Privacy Act (Đạo Luật Quyền Riêng Tư)
+            </a>
+        </div>
+        <input type="hidden" name="code" value="USCFPB_86">
+    </form>
+</div>
+   </div>
+    </aside>
+</div>
+    </main>
+<footer class="o-footer">
+    <div class="wrapper wrapper__match-content">
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diff --git a/www.consumerfinance.gov/language/zh/act-fast-if-you-cant-pay-your-credit-cards/index.html b/www.consumerfinance.gov/language/zh/act-fast-if-you-cant-pay-your-credit-cards/index.html
index 75e6fe8c8901..33b9f81dcf6c 100644
--- a/www.consumerfinance.gov/language/zh/act-fast-if-you-cant-pay-your-credit-cards/index.html
+++ b/www.consumerfinance.gov/language/zh/act-fast-if-you-cant-pay-your-credit-cards/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small Business Lending Database
+        Small business lending database
     </a>
 </li>
             </ul>
diff --git a/www.consumerfinance.gov/language/zh/credit-reports-and-scores-key-terms/index.html b/www.consumerfinance.gov/language/zh/credit-reports-and-scores-key-terms/index.html
new file mode 100644
index 000000000000..6855071cb943
--- /dev/null
+++ b/www.consumerfinance.gov/language/zh/credit-reports-and-scores-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            <span class="u-hide-on-mobile">關閉</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">搜索</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">搜索</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
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+                                <span class="a-link_text">Browse Ask CFPB</span>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Rules &amp; Policy Overview
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/">
+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/enforcement/">
+                Enforcement Overview
+            </a>
+        </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
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+                    CFPB in Chinese
+                </a>
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+                   o-secondary-nav_list__parents">
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/auto-loans-key-terms/>
+    汽車貸款重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/bank-accounts-key-terms/>
+    銀行帳戶重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-card-key-terms/>
+    用卡重要術語
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    信用報告和評分重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/debt-collection-key-terms/>
+    債務追收重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/fraud-key-terms/>
+    欺詐和詐騙重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/mortgages-key-terms/>
+    抵押貸款重要術語
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Credit reports and scores key terms (in Chinese)</div>
+<h1>信用報告和評分重要術語</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/credit-reports-and-scores-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/language/vi/credit-reports-and-scores-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/credit-reports-and-scores-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/credit-reports-and-scores-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/credit-reports-and-scores-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/credit-reports-and-scores-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/credit-reports-and-scores-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>信用查詢 (Credit inquiry)</b></h2><p data-block-key="8tc8s">查詢是指查看您的信用檔案的請求，通常為兩種查詢類型之一。</p><p data-block-key="12pve"><a class="" data-pretty-href="cfpb.gov/askcfpb/1317" href="/ask-cfpb/whats-a-credit-inquiry-en-1317/">更多資料見 (英文)</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b><span id="creditinvisible">信用隱形 (Credit invisible)</span></b></h2><p data-block-key="dummc">2015 年，我們<a href="/about-us/blog/who-are-credit-invisible/">發佈了一份報告</a>，發現 2,600 萬美國人「信用隱形」。這個數字表明，十分之一的成年人在全國三大信用報告公司之一沒有任何信用記錄。另有 1,900 萬名消費者擁有「無法評分的」信用檔案，這意味著他們的檔案不足和信用記錄不足（990 萬人），或者他們的檔案陳舊且缺乏任何近期信用記錄（960 萬人）。總之，有 4,500 萬名消費者可能因為沒有可評分的信用記錄而無法獲得信貸。信用隱形或無法評分的人通常無法獲得優質信貸，可能會面臨從嘗試獲得信貸到租賃公寓等一系列問題。<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>信用監控服務 (Credit monitoring service)</b></h2><p data-block-key="cdn5h">信用監控服務是一項商業服務，向您收取費用，以便觀察您的<a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/">信用報告</a>，並提醒您信用報告中所列帳戶的變化。</p><p data-block-key="5gja5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1365" href="/ask-cfpb/what-is-a-credit-monitoring-service-en-1365/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>信用報告 (Credit report)</b></h2><p data-block-key="nb3b">信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀態。<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>信用報告公司 (Credit reporting company)</b></h2><p data-block-key="1c89n">信用報告公司（亦稱為信用局或消費者報告機構）是編制和銷售信用報告的公司。<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>信用等級分數 (Credit score)</b></h2><p data-block-key="cioda">信用等級分數可以預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。重要的是要了解您不只有「一個」信用等級分數，您和貸方可以使用多個信用等級分數。任何信用等級分數都取決於用於計算評分的資料，並且可能因評分模型、信用記錄來源、貸款產品類型、甚至計算日期不同而異。<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>《公正信用報告法》(Fair Credit Reporting Act)</b></h2><p data-block-key="6qbli">聯邦《公正信用報告法》（英文簡稱爲 FCRA）促進消費者報告機構檔案中的資訊準確性、公平性和隱私性。有多種類型的消費者報告機構，其中包括信用局和專業機構（例如，出售有關支票開具記錄、醫療記錄和租賃記錄的機構）。了解有關 <a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf"><span class="a-link_text">FCRA 規定的您的主要權利</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a>的更多資訊。<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>FICO 信用得分 (FICO score)</b></h2><p data-block-key="abagd">FICO® 信用得分是一種特別的信用等級分數品牌。</p><p data-block-key="93ugj"><a class="" data-pretty-href="cfpb.gov/askcfpb/1883" href="/ask-cfpb/what-is-a-fico-score-en-1883/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>欺詐警報 (Fraud alert)</b></h2><p data-block-key="2s84g">欺詐警報要求查看您的信用報告的債權人在開設新帳戶、發放附加卡或根據消費者的要求增加現有帳戶的信用額度之前採取措施驗證您的身份。當您在全國信用報告公司之一的<a class="" data-pretty-href="cfpb.gov/askcfpb/309" href="/ask-cfpb/what-is-a-credit-report-en-309/">信用報告</a>中放置欺詐警報時，該信用報告公司必須通知其他公司。有兩種主要類型的欺詐警報：首次欺詐警報和延長警報。</p><p data-block-key="fj6a"><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>身份監控或身份盜用保護 (Identity monitoring or identity theft proection)</b></h2><p data-block-key="49d1r">身份盜用服務監控信用申請、公共記錄、網站和其他地點的可識別個人身份的資訊，以便發現任何可能是身份盜用跡象的異常活動。</p><p data-block-key="hip6"><a class="" data-pretty-href="cfpb.gov/askcfpb/1369" href="/ask-cfpb/what-is-identity-monitoring-or-identity-theft-protection-service-en-1369/">更多資料見 (英文)</a></p><p data-block-key="evehh"><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>身份盜用 (Identity theft)</b></h2><p data-block-key="fencv">當有人竊取您的身份以進行欺詐時，就發生身份盜用。竊取您的身份可能意味著未經您的許可使用個人資訊，例如：</p><ul><li data-block-key="54pjn">您的姓名</li><li data-block-key="8d5jg">社會安全號碼</li><li data-block-key="3hmjv">信用卡號碼<br/><br/></li></ul><hr/><h2 data-block-key="8qib"><br/><b>現役軍人警報 (Identity theft)</b></h2><p data-block-key="8jc8b">軍人（例如海軍陸戰隊、陸軍、海軍、空軍和海岸警衛隊成員）可以請求設置現役軍人警報。當您在您的信用報告中設置現役軍人警報後，債權人必須採取合理措施確保提出請求的人確實是您，然後才能開設帳戶、在現有帳戶中發放附加信用卡或提高您的現有帳戶的信用額度。現役軍人警報持續 12 個月。您的姓名也將從全國信用報告公司的信用承諾和保險預篩選行銷名單中刪除兩年時間。<br/><br/></p><hr/><h2 data-block-key="562ft"><br/><b>已付費債務追收 (Paid collection)</b></h2><p data-block-key="ekodh">已付費債務追收是因為逾期未付債務而被追收、後來付款的帳戶。</p><p data-block-key="4qbho"><a class="" data-pretty-href="cfpb.gov/askcfpb/1383" href="/ask-cfpb/what-is-a-paid-collection-en-1383/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="3hiut"><br/><b>安全凍結 (Security freeze)</b></h2><p data-block-key="srfc">您的信用報告中的「安全凍結」會阻止新債權人查看您的信用檔案，並阻止其他人以您的名義開設帳戶，直到您解除凍結。因為大多數企業不會在不查看您的信用報告的情況下開設信用帳戶，凍結可阻止身份竊賊以您的名義開設新帳戶。<br/><br/></p><hr/><h2 data-block-key="fnlui"><br/><b>專門消費者報告公司 (Specialty consumer reporting company)</b></h2><p data-block-key="196i9">專門消費者報告公司收集和分享有關您的受聘記錄、與企業的交易記錄或特定產品或服務還款記錄的資訊。<br/><br/></p><hr/><h2 data-block-key="blqfc"><br/><b>租戶篩選報告 (Tenant screening report)</b></h2><p data-block-key="de57">房東用來幫助對可能的租戶做出決定的報告。租戶篩選報告可能包括來自多種來源的資訊，包括您的租賃記錄和信用報告。</p><p data-block-key="5m7ig"><a class="" data-pretty-href="cfpb.gov/askcfpb/2102" href="/ask-cfpb/what-is-a-tenant-screening-report-en-2102/">更多資料見 (英文)</a></p><p data-block-key="7nhro"></p><hr/><h2 data-block-key="9ebls"><br/><b>信用檔案不足/無信用檔案 (Thin credit file / No credit file)</b></h2><p data-block-key="609iv">信用檔案不足或無信用檔案意味著個人沒有信用記錄或當前信用記錄不足，無法產生信用等級分數。請參閲：<a href="#creditinvisible">信用隱形</a></p>
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diff --git a/www.consumerfinance.gov/language/zh/debt-collection-key-terms/index.html b/www.consumerfinance.gov/language/zh/debt-collection-key-terms/index.html
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index 000000000000..6d13572f0df1
--- /dev/null
+++ b/www.consumerfinance.gov/language/zh/debt-collection-key-terms/index.html
@@ -0,0 +1,1484 @@
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
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+                    <div role="heading"
+                         aria-level="3"
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
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+                            href="/your-story/">
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+                                <span class="a-link_text">Tell Your Story</span>
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+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
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+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/enforcement/">
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+                aria-label="Enforcement"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/actions/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
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+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            <ul
+                aria-label="Compliance"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Compliance Resources
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Advisory Opinion Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervision and Examinations
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Supervisory Highlights
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Data & Research"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
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+</li>
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+        </div>
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+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/zh/">
+                    CFPB in Chinese
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
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+                   o-secondary-nav_list__parents">
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+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/auto-loans-key-terms/>
+    汽車貸款重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/bank-accounts-key-terms/>
+    銀行帳戶重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-card-key-terms/>
+    用卡重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-reports-and-scores-key-terms/>
+    信用報告和評分重要術語
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    債務追收重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/fraud-key-terms/>
+    欺詐和詐騙重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/mortgages-key-terms/>
+    抵押貸款重要術語
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Debt collection key terms (in Chinese)</div>
+<h1>債務追收重要術語</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/debt-collection-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/language/vi/debt-collection-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/debt-collection-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/debt-collection-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/debt-collection-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/debt-collection-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/debt-collection-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>信用顧問 (Credit counselor)</b></h2><p data-block-key="50r75">信用顧問可在以下方面提供幫助：</p><ul><li data-block-key="88e7e">在管理您的金錢和債務方面提供建議<br/></li><li data-block-key="ba2do">幫助您制定預算<br/></li><li data-block-key="7v6t6">通常提供免費教育資料和舉辦研討會<br/></li></ul><p data-block-key="4k59a">通常， <a class="" data-pretty-href="cfpb.gov/askcfpb/1451" href="/ask-cfpb/what-is-credit-counseling-en-1451/">信用顧問</a> 在消費者信貸、金錢和債務管理以及編制預算方面經過認證和培訓。顧問會與您討論您的整體財務狀況，並幫助您制定個人化計劃，解決您的財務問題。<br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="7mfoh"><b>債務追收規則 (Debt Collection Rule)</b></h2><p data-block-key="aigon">消費者金融保護局（英文簡稱爲 CFPB）發佈了於 2021 年 11 月 30 日生效的「規則」，闡明和解釋了聯邦《公平債務追收慣例法》（英文簡稱為 FDCPA）。</p><p data-block-key="fqe2o"><a href="/about-us/blog/understand-how-cfpb-debt-collection-rule-impacts-you/">更多資料見 (英文)</a><br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="4nma9"><b>債務追收人/債務追收公司 (Debt collector)</b></h2><p data-block-key="97b39">根據聯邦《公平債務追收慣例法》，債務追收人/債務追收公司通常是定期追收欠他人債務（通常是逾期債務）的個人或公司。</p><p data-block-key="f8il6">債務追收人/債務追收公司包括債務追收機構或律師，他們將追收債務作為其業務的一部分。還有一些公司從債權人或其他企業那裡購買逾期債務，然後嘗試收回這些債務。這些債務追收人也稱為債務追收機構、債務追收公司或債務購買人。</p><p data-block-key="38fv5"><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>債務清償（減免）服務 (Debt settlement (relief) services)</b></h2><p data-block-key="43ghv">債務清償公司是指自稱可以重新談判、清償或以某種方式改變某人對債權人或債務追收人/債務追收公司的債務期限的公司。與債務清償公司打交道可能存在風險。</p><p data-block-key="2maf"><a class="" data-pretty-href="cfpb.gov/askcfpb/1457" href="/ask-cfpb/what-is-a-debt-relief-program-and-how-do-i-know-if-i-should-use-one-en-1457/">更多資料見 (英文)</a><br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>《公平債務追收慣例法》（英文簡稱為 FDCPA）(Fair Debt Collection Practices Act (FDCPA))</b></h2><p data-block-key="34pfa">《公平債務追收慣例法》（英文簡稱為 FDCPA）是管理債務追收慣例的主要聯邦法律。FDCPA 禁止債務追收公司使用濫用、不公平或欺騙性的方法向您追收債務。 <a class="" data-pretty-href="cfpb.gov/askcfpb/329" href="/ask-cfpb/what-laws-limit-what-debt-collectors-can-say-or-do-en-329/">閲讀更多</a> 有關您根據 FDCPA 享有的權利。<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>扣押 (Garnishment)</b></h2><p data-block-key="9k5mo"><a class="" data-pretty-href="cfpb.gov/askcfpb/1439" href="/ask-cfpb/can-a-debt-collector-take-or-garnish-my-wages-or-benefits-en-1439/">工資或銀行帳戶扣押</a> 發生在債權人從您的銀行帳戶中提取您的部分薪水或金錢，以追收您的欠款。扣押通常需要有根據 <a class="" data-pretty-href="cfpb.gov/askcfpb/1381" href="/ask-cfpb/what-is-a-judgment-en-1381/">裁決</a>.扣押通常需要有根據裁決產生的法院命令。然而，即使沒有裁決，欠政府的某些債務也可能導致扣押。</p><p data-block-key="3o72l">州和聯邦法律對銀行帳戶和工資扣押有限制或「豁免」，通常是為了確保您有維持生計的剩餘資金。如果不能合法扣押您的工資，但債務追收人威脅說將扣押您的工資，這也違反了《公平債務追收慣例法》（英文簡稱為 FDCPA）。</p><p data-block-key="blo93"><br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>債務追收人騷擾 (Harassment by a debt collector)</b></h2><p data-block-key="6i28l">《公平債務追收慣例法》（英文簡稱為 FDCPA）規定，債務追收人不得騷擾、壓迫或虐待您或他們聯繫的任何其他人。</p><p data-block-key="4niks"></p><p data-block-key="6flu6">債務追收人的騷擾可能有不同的形式。其中包括反复打電話，旨在侵犯、辱罵或騷擾您或任何接聽電話的人；使用淫穢或褻瀆的語言；暴力或傷害威脅；公佈拒絕償還債務的人名單（不包括向信用報告公司報告資訊）；並在打電話時不告訴您他們是誰。</p><p data-block-key="3dt78"><br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>裁決 (Judgment)</b></h2><p data-block-key="5jib1">裁決是法庭訴訟的正式結果。在債務追收訴訟中，法官可能會向債權人或 <a class="" data-pretty-href="cfpb.gov/askcfpb/330" href="/ask-cfpb/what-is-a-debt-collector-and-why-are-they-contacting-me-en-330/">債務追收人/債務追收公司</a> 下達對您不利的裁決。如果您不回應法律投訴，您將失去為自己辯護的機會，並且您可能會發現下達對您不利的裁決。</p><p data-block-key="cus31">如果有人起訴您，或者有人獲得了對您不利的裁決，您不確定該怎麼做，請諮詢律師。一些律師可能會提供免費服務或收取較低的費用。如果您符合某些條件，您所在地區可能還有 <a class="a-link a-link__icon" href="http://www.lsc.gov/find-legal-aid"><span class="a-link_text">法律援助事務所</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 或法律事務所，他們將免費提供服務。現役軍人應當諮詢 <a class="a-link a-link__icon" data-pretty-href="https://legalassistance.law.af.mil/" href="/external-site/?ext_url=https%3A%2F%2Flegalassistance.law.af.mil%2F&amp;signature=eauIMPhgKySRtPSXIr8VEINfhuJgxdzUbDXfwAQRKDU"><span class="a-link_text">當地軍法署署長（英文簡稱為 JAG）辦公室。</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a><br/><br/></p><hr/><h2 data-block-key="3158p"><br/><b>內容有限制的留言 (Limited-Content Message)</b></h2><p data-block-key="6ccg0">根據债务追收規則，這是發給消費者的語音留言，必須包含某些要求提供的資訊，並且可能包含其他供选用內容。</p><p data-block-key="fabrf"><a class="" data-pretty-href="cfpb.gov/askcfpb/2113" href="/ask-cfpb/what-is-a-limited-content-message-en-2113/">更多資料見 (英文)</a><br/></p><hr/><p data-block-key="73huu"></p><h2 data-block-key="3nu2q"><b>原始債權人 (Limited-Content Message)</b></h2><p data-block-key="3dnde">通常，原始債權人是向您發放貸款或信貸的公司。原始債權人可能會嘗試自己追收逾期未付的信用帳戶債務，也可能會聘請債務追收人/債務追收公司。原始債權人也可能將您的信用帳戶出售給債務追收人/債務追收公司。債務追收人/債務追收公司通常是專門追收您的帳戶債務的第三方，或者是從原始債權人或其他債務追收人/債務追收公司或債務購買者處購買債務的人。<br/><br/></p><hr/><p data-block-key="fsh0d"></p><h2 data-block-key="d43tr"><b>訴訟時效 (Statute of limitations)</b></h2><p data-block-key="5dnp0">訴訟時效是債權人或債務追收人/債務追收公司必須 <a class="" data-pretty-href="cfpb.gov/askcfpb/334" href="/ask-cfpb/what-should-i-do-if-im-sued-by-a-debt-collector-or-creditor-en-334/">提起訴訟</a> 以追回債務的有限時段。大多數訴訟時效在三到六年的範圍內，儘管在某些司法管轄區該時效可能會延長更長時間。訴訟時效可能因州法、您的債務類型或您的信貸協議中指定的州法不同而異。<br/><br/></p><hr/><p data-block-key="fnkkn"></p><h2 data-block-key="5o5vb"><b>驗證通知 (Validation Notice)</b></h2><p data-block-key="4dpi9">債務追收人/債務追收公司在首次與消費者溝通時或之後不久需要提供某些資訊。當債務追收人/債務追收公司以電子或書面形式提供此類要求提供的資訊時，稱為驗證通知。</p>
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diff --git a/www.consumerfinance.gov/language/zh/fraud-key-terms/index.html b/www.consumerfinance.gov/language/zh/fraud-key-terms/index.html
new file mode 100644
index 000000000000..6b4eba7108b6
--- /dev/null
+++ b/www.consumerfinance.gov/language/zh/fraud-key-terms/index.html
@@ -0,0 +1,1484 @@
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+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
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+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
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+                Rules &amp; Policy Overview
+            </a>
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                aria-label="Rules & Policy"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Interactive Regulations
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+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Regulatory Agenda
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
+        Enforcement
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Enforcement Overview
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+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement Actions
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/enforcement-by-the-numbers/"
+       >
+        Enforcement by the Numbers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/investigatory-authority/"
+       >
+        Investigatory Authority
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Enforcement"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/">
+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/compliance/">
+                Compliance Overview
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
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+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/">
+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+               href="/data-research/">
+                Data &amp; Research Overview
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
+        Reports
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-hub/"
+       >
+        Research Hub
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
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+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
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+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="u-layout-grid u-layout-grid__1-3
+                 "
+          id="main"
+          >
+        <div class="u-layout-grid_wrapper">
+                <div class="u-layout-grid_breadcrumbs">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/zh/">
+                    CFPB in Chinese
+                </a>
+     </nav>
+                </div>
+        <aside class="u-layout-grid_secondary-nav">
+            <nav class="o-secondary-nav
+            o-secondary-nav__no-children"
+     aria-label="Section navigation">
+    <button class="o-secondary-nav_header" type="button" aria-expanded="false">
+        <span class="o-secondary-nav_label">
+            瀏覽本部分
+        </span>
+        <span class="o-secondary-nav_cues">
+            <span class="o-secondary-nav_cue-open" aria-label="Show">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"/></svg>
+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/auto-loans-key-terms/>
+    汽車貸款重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/bank-accounts-key-terms/>
+    銀行帳戶重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-card-key-terms/>
+    用卡重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-reports-and-scores-key-terms/>
+    信用報告和評分重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/debt-collection-key-terms/>
+    債務追收重要術語
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    欺詐和詐騙重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/mortgages-key-terms/>
+    抵押貸款重要術語
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Fraud and scams key terms (in Chinese)</div>
+<h1>欺詐和詐騙重要術語</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/fraud-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/language/vi/fraud-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/fraud-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/fraud-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/fraud-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/fraud-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/fraud-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>老年人財務剝削 (Elder financial exploitation)</b></h2><p data-block-key="cf4sj">老年人財務剝削是指非法或不當使用老年人的資金、財產或資產。這是最常見的虐待老人的方式，但只報告了一小部分此類事件。<br/></p><p data-block-key="1bnuq">犯罪者可能是獲得老年人信任的陌生人，也可能是家人或朋友。了解警告跡象很重要。 <a href="/consumer-tools/educator-tools/resources-for-older-adults/protecting-against-fraud/">閲讀更多内容</a><br/><br/></p><hr/><p data-block-key="5r93l"></p><h2 data-block-key="5qok"><b>止贖救濟騙局 (Foreclosure relief scam)</b></h2><p data-block-key="b9kmo">止贖救濟和抵押貸款修改詐騙是騙取您的錢款或房屋的陰謀 — 通常是透過做出使您免於喪失抵押品贖回權的虛假承諾。這些騙子可能會預先索要錢款，並聲稱保證您可以更改抵押貸款條款。如果您在支付抵押貸款時遇到困難，住宅與城市發展部（英文簡稱為 HUD）批准的住房諮詢機構可以免費為您提供各種選擇。<br/><br/></p><hr/><p data-block-key="1hl9i"></p><h2 data-block-key="6fjh3"><b>預防欺詐警報 (Fraud alert for prevention)</b></h2><p data-block-key="mgm0">欺詐警報可用於降低您成為新帳戶身份盜用受害者的可能性。欺詐警報要求查看您的信用報告的債權人在開設新帳戶、發放附加卡或增加現有帳戶的信用額度之前採取措施驗證您的身份。當您在全國信用報告公司之一的信用報告中放置欺詐警報後，該信用報告公司必須通知其他信用報告公司。</p><p data-block-key="d2u1t">有兩種主要類型的欺詐警報：首次欺詐警報和延長警報。軍人還有一種額外的選擇 — 現役軍人警報，可在服役期間為現役軍人提供保護。</p><p data-block-key="81ls7"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">閲更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="c1eha"><br/><b>受託人欺詐 (Fraud by fiduciaries)</b></h2><p data-block-key="e8619">受託人是管理他人金錢或財產的人。例如，透過委託書任命的代理人和法院指定的監護人都是受託人。</p><p data-block-key="c7gk7">當您被指定為受託人時，法律要求您為了該人士的利益而不是您的利益管理該人士的金錢和財產。當受託人為了自身的利益而花錢時，就可能是欺詐。<br/><br/></p><hr/><p data-block-key="9sdvf"></p><h2 data-block-key="fh4gb"><b>身份盜用 (Identity theft)</b></h2><p data-block-key="4ulit">當有人竊取您的身份進行欺詐時，就發生了身份盜用。</p><p data-block-key="9m9bo">竊取您的身份可能意味著未經您的許可使用個人資訊，例如您的姓名、社會安全號碼、銀行帳戶資訊或信用卡號碼。<a class="a-link a-link__icon" href="https://www.identitytheft.gov/"><span class="a-link_text">聯邦貿易委員會提供資訊</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 防止和應對身份盜用。<br/><br/></p><hr/><p data-block-key="2chc0"></p><h2 data-block-key="ai2d9"><b>冒名頂替者詐騙 (Imposter scams)</b></h2><p data-block-key="fj1hs">冒名頂替詐騙者試圖透過偽裝成您認識的或信任的人（例如，治安官、地方、州或聯邦政府雇員或慈善組織）來說服您匯款。請記住，來電顯示是可以偽造的。您可以隨時致電該組織或政府機構，查詢該人士是否為他們工作，然後再匯款。<br/><br/></p><hr/><p data-block-key="ofg8"></p><h2 data-block-key="b5dnm"><b>郵件欺詐 (Mail fraud)</b></h2><p data-block-key="51koe">郵件欺詐信件看起來像是真的，但承諾是假的。一個常見的警告跡象是來信要求您立即匯款或提供個人資訊，以便在匯款或提供資訊後獲得有價值的東西。<br/><br/></p><hr/><h2 data-block-key="3lrdq"><br/><b>網路釣魚 (Phishing)</b></h2><p data-block-key="7no5v">在網路釣魚中，詐騙者冒充企業或個人誘騙您提供您的個人資訊，例如密碼、信用卡號或銀行帳戶資訊。詐騙者可能會使用欺詐性電子郵件、短信或網站來竊取您的這些資訊。這些電子郵件看起來像真實的郵件。<br/><br/></p><hr/><h2 data-block-key="34est"><br/><b>安全凍結預防 (Security freeze for prevention)</b></h2><p data-block-key="d73br">安全凍結會阻止新的債權人查閲您的信用檔案，並阻止其他債權人以您的名義開設需要信用檢查的帳戶，直到您解除凍結。</p><p data-block-key="16v3o">因為大多數企業不會在不查看您的信用報告的情況下開設信用帳戶，凍結可以阻止身份竊賊以您的名義開設新帳戶。請注意，凍結不能阻止身份竊賊接管現有帳戶。</p><p data-block-key="eojtd"><a class="" data-pretty-href="cfpb.gov/askcfpb/31" href="/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/">更多資料見 (英文)</a></p><p data-block-key="fj6a"><br/></p><hr/><h2 data-block-key="fldq7"><br/><b>僞裝哄騙 (Spoofing)</b></h2><p data-block-key="80h05">當撥號者偽裝您的來電顯示上的資訊時，就會發生僞裝哄騙。這使撥號者能夠偽裝姓名和/或號碼，使其看起來好像是從特定位置撥號的某個人。</p><p data-block-key="evehh"><br/></p><hr/><h2 data-block-key="5fep6"><br/><b>電匯或轉帳欺詐 (Wire or money transfer fraud)</b></h2><p data-block-key="ei9a2">一些騙子會誘騙您透過電匯或轉帳的方式來竊取您的錢財。電匯欺詐的一個常見例子是「祖父母詐騙」。這是當騙子冒充孫子/孫女或孫子/孫女的朋友打電話說他們在國外或遇到某種麻煩，需要立即給他/她電匯或匯款。</p>
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diff --git a/www.consumerfinance.gov/language/zh/how-to-avoid-foreclosure/index.html b/www.consumerfinance.gov/language/zh/how-to-avoid-foreclosure/index.html
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+            </ul>
+        </div>
+    </div>
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
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+       >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Consumer Complaint Program
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+       >
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+       >
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+       >
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+                            العربية
+                        </a>
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+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/zh/">
+                    CFPB in Chinese
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top">
+    <div class="eyebrow">How to avoid foreclosure (in Chinese)</div>
+<h1>如何避免止贖</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/how-to-avoid-foreclosure/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/language/vi/how-to-avoid-foreclosure/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/how-to-avoid-foreclosure/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/how-to-avoid-foreclosure/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/how-to-avoid-foreclosure/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/how-to-avoid-foreclosure/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+        </ul>
+</div>
+    <div class="lead-paragraph">
+        <p data-block-key="dt4lb">當您在支付抵押貸款方面發生困難時，您能做的最重要的事情就是掌握主導權。在多數情況下，無所作為往往是最糟糕的選擇。掌握主導權意味著採取四個步驟：</p>
+    </div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc">1. 撥打或是接聽電話以尋求幫助</h2><p data-block-key="4bgnb">透過接聽抵押貸款服務商的電話來掌握主導權。更好的做法是，一旦您知道自己無法支付每月貸款，請盡快打電話給您的抵押貸款服務商。電話號碼列於您的每月帳單上。向抵押貸款服務商說明您無法支付每月貸款的原因，並請求其協助以避免止贖。</p><h2 data-block-key="4hk99">2. 尋求免費專家協助</h2><p data-block-key="e3bqt">如果您在償還貸款方面遇到麻煩，您的抵押貸款服務商可能會提供幫助。如果您無法從您的抵押貸款服務商那裡得到您所需的幫助，請向您附近的住房諮詢機構尋求專家協助。諮詢顧問可以制定定制行動計劃，幫助您與您的抵押貸款公司合作。請查閲網站 <a href="/mortgagehelp/">consumerfinance.gov/mortgagehelp</a>，或撥打 (800) 569-4287 並輸入您的郵遞區號，尋找住房與城市發展部（HUD）批准的住房顧問。</p><h2 data-block-key="9fg3n">3. 打擊詐騙行為</h2><p data-block-key="9bo4b">騙子們試圖誘騙那些陷入困境的房主，向他們收取高額費用（有的甚至高達數千美元），以虛假的幫助承諾牟利。您無需向任何人支付費用來幫助您避免止贖。您所需要的幫助可以從抵押貸款服務商那裡，或者透過住房與城市發展部（HUD）批准的住房諮詢機構免費獲得。</p><h2 data-block-key="3nk5r"><b>4. 申請援助</b></h2><p data-block-key="d8kgo">您的抵押貸款服務商必須與您聯絡，向您提供準確的資訊，並告訴您可能符合資格的減損方案。減損是指抵押貸款服務商可以與您合作以避免止贖的方式。如果您及早向您的抵押貸款服務商提交一份完整的申請，您的抵押貸款服務商必須告訴您，您若必須保留住房有哪些選擇，或者告知您搬離房子可能更合理。</p><p data-block-key="5dnu5">住房諮詢顧問在幫助人們尋求避免止贖的解決方案方面具有豐富的經驗。他們可以幫助您瞭解您的選擇和申請援助的複雜步驟。只有在您付款逾期超過 120 天之後，您的抵押貸款服務商才能發出首次通知或提交止贖申請。此外，當您及時提交一份完整的抵押貸款援助申請時，抵押貸款服務商不能在您在接受評估或您正在執行貸款修正要求時開始止贖。所以，請立即行動，不要拖延。越早完成申請，得到的保護就越多。</p>
+            </div>
+            <div class="block">
+<div class="o-well">
+        <h2 data-block-key="2n95u">如何辨識止贖詐騙</h2><p data-block-key="afk6r">止贖騙子可能會告訴您他們會挽救您的房屋免遭止贖，但實際上他們只是在騙取您的錢財。</p><p data-block-key="bon4n">注意這些詐騙的警告訊號：</p><ul><li data-block-key="7uuct">您被要求預先付款以取得幫助。</li><li data-block-key="6dsnl">該公司保證能修正您的抵押貸款條款。</li><li data-block-key="1o6m">該公司保證您不會失去您的房屋。</li><li data-block-key="3rbtq">您被要求簽署轉讓房屋所有權或簽署其他您不懂的文件。</li><li data-block-key="78com">您被指示把您的付款寄给别人，而不是您的抵押贷款公司或抵押貸款服務商。</li><li data-block-key="btq2p">該公司表示願意進行「法證審計」。</li><li data-block-key="5ud4r">您被告知停止支付抵押貸款。</li><li data-block-key="dv3me">該公司表示，他們隸屬於政府，或者使用看起來像政府印章但略有不同的標誌。</li></ul>
+</div>
+            </div>
+            <div class="m-full-width-text">
+                <h2 data-block-key="64tlc"><b>提交涉及金融產品或服務的投訴</b></h2><p data-block-key="dapm3">每週我們都會向多家公司發送超過 10,000 份關於金融產品和服務的投訴，以便讓其作出回應。如果其他機構能提供更好地幫助，我們會將投訴發送給它們，並告知您。 <b>大多數公司會在 15 天內作出回應。</b></p><ul><li data-block-key="9mun6"><a href="/complaint/"><b>網路</b></a> <b>（用英語講）</b></li><li data-block-key="409ej"><b>或致電</b> <b>(855) 411-2372</b> <b>，</b>以中國人和 180 種其他語言提供幫助。致電通常在 1 分鐘內有人接聽。您的投訴將被翻譯成英文，並發送給公司進行回應。當公司作出回應時，他們通常用英文，但您可以給我們致電，以聽取翻譯後的回應。</li></ul>
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+           關於我們
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+    <p data-block-key="2idzs">我們是消費者金融保護局 (CFPB)，是一家美國政府機構，以確保銀行、貸款機構和其他金融公司公平地對待您。</p>
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diff --git a/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html b/www.consumerfinance.gov/language/zh/mortgages-key-terms/index.html
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@@ -0,0 +1,1484 @@
+<!DOCTYPE html>
+<html lang="zh-Hant" class="no-js">
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+       >
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Prepaid Cards
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Reverse Mortgages
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
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+       >
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+                aria-label="Enforcement"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Warning Letters
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+       >
+        Industry Whistleblowers
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+            </span>
+            <span class="o-secondary-nav_cue-close" aria-label="Hide">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-secondary-nav_content">
+        <ul class="o-secondary-nav_list
+                   o-secondary-nav_list__parents">
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/auto-loans-key-terms/>
+    汽車貸款重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/bank-accounts-key-terms/>
+    銀行帳戶重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-card-key-terms/>
+    用卡重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/credit-reports-and-scores-key-terms/>
+    信用報告和評分重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/debt-collection-key-terms/>
+    債務追收重要術語
+</a>
+</li>
+            <li data-nav-is-active="False">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          "
+   href=/language/zh/fraud-key-terms/>
+    欺詐和詐騙重要術語
+</a>
+</li>
+            <li data-nav-is-active="True">
+<a class="o-secondary-nav_link
+          o-secondary-nav_link__parent
+          o-secondary-nav_link__current"
+   >
+    抵押貸款重要術語
+</a>
+</li>
+        </ul>
+    </div>
+</nav>
+        </aside>
+        <div class="u-layout-grid_main"
+                id="content_main">
+   <div class="block block__flush-top">
+    <div class="eyebrow">Mortgage key terms (in Chinese)</div>
+<h1>抵押貸款重要術語</h1>
+<div class="block block__sub">
+    <ul dir="ltr" class="m-translation-links">
+            <li>
+                <a href="/language/cfpb-in-english/mortgages-key-terms/"
+                lang="en"
+                hreflang="en"
+                translate="no">English
+                </a>
+            </li>
+            <li>中文</li>
+            <li>
+                <a href="/language/vi/mortgages-key-terms/"
+                lang="vi"
+                hreflang="vi"
+                translate="no">Tiếng Việt
+                </a>
+            </li>
+            <li>
+                <a href="/language/ko/mortgages-key-terms/"
+                lang="ko"
+                hreflang="ko"
+                translate="no">한국어
+                </a>
+            </li>
+            <li>
+                <a href="/language/tl/mortgages-key-terms/"
+                lang="tl"
+                hreflang="tl"
+                translate="no">Tagalog
+                </a>
+            </li>
+            <li>
+                <a href="/language/ru/mortgages-key-terms/"
+                lang="ru"
+                hreflang="ru"
+                translate="no">Pусский
+                </a>
+            </li>
+            <li>
+                <a href="/language/ar/mortgages-key-terms/"
+                lang="ar"
+                hreflang="ar"
+                translate="no">العربية
+                </a>
+            </li>
+            <li>
+                <a href="/language/ht/mortgages-key-terms/"
+                lang="ht"
+                hreflang="ht"
+                translate="no">Kreyòl Ayisyen
+                </a>
+            </li>
+        </ul>
+</div>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="hr3ds"><b>5/1 可調利率抵押貸款 (5/1 Adjustable Rate Mortgage)</b></h2><p data-block-key="5epjd">5/1 可調利率抵押貸款（英文簡稱為 ARM）或五年期 ARM 是一種抵押貸款，其中「5」是您的初始利率將保持固定不變的年數。「1」代表您的利率在最初五年期結束後調整的頻率。最常見的固定期限是 3、5、7 和 10 年，「1」是最常見的調整期限。如果您正在考慮 ARM，請務必仔細閱讀合約並提出問題。</p><p data-block-key="eetnm"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">了解有關可調利率如何變化的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="e8e37"><br/><b>償還能力規則 (Ability-to-repay rule)</b></h2><p data-block-key="66iqo">償還能力規則是大多數抵押貸款公司必須做出的合理和真誠的決定，以確保您有能力償還貸款。</p><p data-block-key="dufcd"><a class="" data-pretty-href="cfpb.gov/askcfpb/1787" href="/ask-cfpb/what-is-the-ability-to-repay-rule-why-is-it-important-to-me-en-1787/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="cuq9b"><br/><b>可調利率抵押貸款（英文簡稱為 ARM） (Adjustable Rate Mortgage - ARM)</b></h2><p data-block-key="88cp6">可調整利率抵押貸款（英文簡稱為 ARM）是一種利率可變化的貸款類型，通常與指數利率相關。您的每月還款額將根據貸款的初始期、利率上限和指數利率上下浮動。使用 ARM 時，利率和每月付款額可能開始時低於固定利率抵押貸款，但利率和每月付款額可能會大幅增加。</p><p data-block-key="5plt2"></p><p data-block-key="2ug98">了解有關 <a href="/owning-a-home/loan-options/">ARM 工作原理和注意事項</a>的更多詳情。<br/><br/><br/></p><hr/><h2 data-block-key="fkqnh"><br/><b>分期償還 (Amortization)</b></h2><p data-block-key="e2p0">分期償還意味著隨著時間的推移利用定期還款來償還貸款，這樣您欠的金額就會隨著每次還款而減少。大多數房屋貸款都是分期償還，但有些抵押貸款不會完全分期償還，這意味著您在還清所有款項後仍會欠款。<br/></p><p data-block-key="bp8o9">一些房屋貸款只允許支付應付利息金額，或少於應付利息的金額。如果還款額少於每月到期的利息金額，則抵押貸款餘額將增加而不是減少。這稱為負攤還。在貸款期間未完全分期償還的其他貸款計劃可能要求在貸款期限結束時一次性支付大筆「大額尾付」。確保您知道您獲得的貸款類型。</p><p data-block-key="17v6f"><a href="/owning-a-home/">了解有關購房程序的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="23tal"><br/><b>融資額 (Amount financed)</b></h2><p data-block-key="bis08">這表示您從貸方借入的金額減去貸方向您收取的大部分前期費用。</p><p data-block-key="8okeg"><a class="" data-pretty-href="cfpb.gov/askcfpb/1923" href="/ask-cfpb/what-does-amount-financed-mean-when-getting-a-mortgage-loan-en-1923/">更多資料見 (英文)</a><br/><br/></p><hr/><p data-block-key="6qhdf"></p><h2 data-block-key="bq3a2"><b>年收入 (Annual income)</b></h2><p data-block-key="84o22">年收入是抵押貸款申請中的一個因素，通常是指您一年的稅前總收入。年收入可包括來自全職或兼職工作、自營業務收入、小費、佣金、加班費、獎金或其他來源的收入。貸方將使用有關您的年收入和您現有的每月債務資訊來確定您是否有能力償還貸款。</p><p data-block-key="bjkrh">貸方在考慮向您提供貸款時是否會依賴特定的收入來源或金額通常取決於您是否可以合理地預期收入會持續。</p><p data-block-key="dh66f"><a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/">了解有關為什麼您的還款能力對貸方很重要的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="1f1pr"><br/><b>年利率（英文簡稱為 APR）(Annual Percentage Rate - APR)</b></h2><p data-block-key="3mkdc">年利率（英文簡稱為 APR）是比利率更廣泛的借貸成本衡量標準。APR 反映了利率、任何點數、抵押貸款經紀人費用以及您為獲得貸款而支付的其他費用。因此，您的 APR 通常高於您的利率。</p><p data-block-key="63d95"><a class="" data-pretty-href="cfpb.gov/askcfpb/135" href="/ask-cfpb/what-is-the-difference-between-a-mortgage-interest-rate-and-an-apr-en-135/">了解如何比較 APR</a><br/><br/><br/></p><hr/><h2 data-block-key="46gqj"><br/><b>價值評估費 (Appraisal fee)</b></h2><p data-block-key="5n8nm">價值評估費是對您計劃購買或已經擁有的房屋進行房屋價值評估的費用。房屋價值評估提供對財產價值的獨立評估。在大多數情況下，評估人的選擇和任何相關費用取決於您的貸方。</p><p data-block-key="rjd8"><a href="/owning-a-home/">了解有關購房程序的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="cng2m"><br/><b>自動付款 (Automatic payment)</b></h2><p data-block-key="7t927">自動付款允許您透過銀行設置定期抵押貸款付款。自動付款是確保您按時付款的一種便捷方式。<br/><br/><br/></p><hr/><h2 data-block-key="15rdv"><br/><b>大額尾付貸款 (Balloon loan)</b></h2><p data-block-key="61s50">對於抵押貸款，大額尾付貸款意味著貸款有額度高於平常的一次性還款，通常在貸款期限結束時。這種一次性付款稱為「大額尾付」付款，它比您的其他付款額要高，有時甚至高得多。如果您無法支付大額尾付金額，您可能不得不再融資、賣掉您的房屋或面臨止贖。</p><p data-block-key="d1our"><a class="" data-pretty-href="cfpb.gov/askcfpb/104" href="/ask-cfpb/what-is-a-balloon-payment-when-is-one-allowed-en-104/">了解爲什麽大額尾付貸款可能有風險</a>。<br/><br/><br/></p><hr/><h2 data-block-key="17smf"><br/><b>雙週付款 (Bi-weekly payment)</b></h2><p data-block-key="cormr">在雙週付款計劃中，抵押貸款機構每兩週收取您每月還款的一半金額，導致一年中有 26 次付款（總共每年額外付一次款）。透過支付額外款項並將您的付款用於支付本金，您可以提前還清貸款。在選擇雙週付款之前，請務必查看您的貸款期限，了解如果您這樣做是否會受到提前還款罰款。查看您的貸款機構是否對雙週付款計劃收取任何費用。您或許可以透過每年支付額外一個月抵押貸款來實現相同的目標，而無需支付費用。<br/><br/><br/></p><hr/><h2 data-block-key="dslgb"><br/><b>最終過戶條款文件 (Closing Disclosure)</b></h2><p data-block-key="6bnp6">最終過戶條款文件是一份要求提供的五頁表格，提供有關您選擇的抵押貸款的最終詳細資訊。該表包括貸款期限、您預計的每月還款額，以及您將為獲得抵押貸款支付的費用和其他收費。</p><p data-block-key="6c170"><a href="/owning-a-home/closing-disclosure/">了解如何在您的最終過戶條款文件中仔細查看有關您的貸款的所有詳細資訊是否正確。</a><br/><br/><br/></p><hr/><h2 data-block-key="7quo4"><br/><b>聯署人或共同貸款人 (Co-signer or co-borrower)</b></h2><p data-block-key="1brl4">聯署人或共同貸款人是同意承擔全部責任與您一起償還抵押貸款的人。如果您不付款，該人士有義務支付任何未付的款項，甚至是全額貸款。一些抵押貸款計劃將聯署人區分為未列入產權並且對抵押房屋沒有任何所有權權益的人。在您的抵押貸款上有聯署人或共同貸款人可為您的貸方提供額外的保證，確保貸款將得到償還。但是，如果您不償還貸款，您的聯署人或共同貸款人的信用記錄和財務將面臨風險。</p><p data-block-key="1uvlu"><a href="/owning-a-home/">了解有關購房程序的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="2s5ai"><br/><b>建築貸款 (Construction loan)</b></h2><p data-block-key="87f61">建築貸款通常是一種短期貸款，提供資金來支付建造或修復房屋的費用。</p><p data-block-key="dsa13"><a class="" data-pretty-href="cfpb.gov/askcfpb/108" href="/ask-cfpb/what-is-a-construction-loan-en-108/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="25sj0"><br/><b>常規貸款 (Conventional loan)</b></h2><p data-block-key="7l88o">常規貸款是指不受政府保險或擔保的任何抵押貸款（例如，聯邦住房管理局、退伍軍人事務部或農業部貸款計劃）。</p><p data-block-key="f6i1m">了解有關 <a href="/owning-a-home/loan-options/conventional-loans/">常規貸款及其他貸款類型</a> 的更多詳情。<br/></p><hr/><h2 data-block-key="1s1gv"><br/><b>信用記錄 (Credit history)</b></h2><p data-block-key="73jiq">信用記錄是您的信用報告中顯示的信用帳戶和按時付款記錄。消費者報告公司（亦稱為信用報告公司）收集和更新有關您的信用記錄的資訊，並將其提供給其他企業，這些企業使用這些資訊做出有關您的決定。信用報告包括有關您的信用活動和當前信用狀況的資訊，例如您的貸款支付記錄和信用帳戶狀況。</p><p data-block-key="3k9tg"><a href="/owning-a-home/prepare/check-your-credit/">了解有關在購買住房之前查看您的信用記錄的更多詳情</a>。<br/><br/><br/></p><hr/><h2 data-block-key="78fgr"><br/><b>信用報告 (Credit report)</b></h2><p data-block-key="3jj2l">信用報告是一份陳述，其中包括有關您的信用活動和當前信用狀況的資訊，例如貸款支付記錄和您的信用帳戶狀況。貸方使用您的信用等級分數和信用報告中的資訊來確定您是否有資格獲得貸款以及向您提供的利率。</p><p data-block-key="erdt1">了解如何<a class="" data-pretty-href="cfpb.gov/askcfpb/5" href="/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/">索取您的信用報告</a>。<br/><br/><br/></p><hr/><h2 data-block-key="afid1"><br/><b>信用等級分數 (Credit score)</b></h2><p data-block-key="36voh">信用等級分數可預測您按時償還貸款的可能性。公司使用一種稱為評分模型的數學公式，根據您的信用報告中的資訊創建您的信用等級分數。有不同的評分模型，因此您不會只有一個信用等級分數。您的 等級分數取決於您的信用記錄、貸款產品類型，甚至計算等級分數的日期。</p><p data-block-key="83kqo">了解<a class="" data-pretty-href="cfpb.gov/askcfpb/316" href="/ask-cfpb/where-can-i-get-my-credit-scores-en-316/">您可以從哪裡獲得您的信用等級分數</a>。<br/><br/><br/></p><hr/><h2 data-block-key="4ul8r"><br/><b>資產負債率 (Debt ratio)</b></h2><p data-block-key="8pk9q">您的債務收入比是您每月支付的所有債務除以您的每月總收入。這個數字是貸方衡量您管理每月付款以償還您計劃借入的錢款能力的一種方式。</p><p data-block-key="fs0iv">了解如何<a class="" data-pretty-href="cfpb.gov/askcfpb/1791" href="/ask-cfpb/what-is-a-debt-to-income-ratio-why-is-the-43-debt-to-income-ratio-important-en-1791/">計算您的債務收入比</a>。<br/><br/><br/></p><hr/><h2 data-block-key="df5el"><br/><b>轉讓房產以替代止贖契約 (Debt ratio)</b></h2><p data-block-key="45oc8">轉讓房產以替代止贖契約是一種安排，您自願將房屋的所有權移交給貸方，以避免止贖程序。轉讓房產以替代止贖契約可幫助您避免對抵押貸款剩餘的任何金額承擔個人責任。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責的州，您應當請求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，索取書面豁免證明，並將其保存在您的記錄中。轉讓房產以替代止贖契約是一種<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#loss-mitigation">減損</a>類型。<br/><br/><br/></p><hr/><h2 data-block-key="6f1nj"><br/><b>拖欠債務 (Delinquent)</b></h2><p data-block-key="d91ek">拖欠債務是逾期未付款的另一個術語。當您錯過付款或未在到期日全額付款時，您的貸款可能會成爲拖欠債務。在您拖欠債務一段時間後，貸方或貸款機構可能會開始止贖程序。時間長短因州不同而異。</p><p data-block-key="be5uf">聯邦規則也可能適用於止贖何時開始。<a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">如果您無法支付抵押貸款，了解有關您的選擇的更多資訊</a>。</p><p data-block-key="3rt3k">如果您受到冠狀病毒的影響</p><p data-block-key="3l08h">獲得<a href="/coronavirus/mortgage-and-housing-assistance/">有關抵押貸款減免選擇的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="cmu5j"><br/><b>要求立即清偿债务條款 (Demand feature)</b></h2><p data-block-key="8h3v3">最終過戶條款文件的一项聲明為「您的貸款有要求立即清偿债务條款」，可對該條款勾选「是」或「否」。要求立即清偿债务条款允許貸方要求提前償還貸款。</p><p data-block-key="bae4i"><a class="" data-pretty-href="cfpb.gov/askcfpb/1997" href="/ask-cfpb/what-is-a-demand-feature-what-does-it-mean-if-the-demand-feature-is-checked-off-on-my-closing-disclosure-en-1997/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="1ho6l"><br/><b>首付款 (Down payment)</b></h2><p data-block-key="ad817">首付款是您前期支付的房屋金額。您將房屋價值的一定百分比作為首付款支付，並透過抵押貸款借入其餘部分。通常，您支付的首付款越多，您獲得的利率就越低，您的貸款獲得批准的可能性就越大。</p><p data-block-key="2algs"><a href="/owning-a-home/process/prepare/determine-your-down-payment/">了解有關確定您的首付款的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="4rouf"><br/><b>首付款計劃或贈款 (Down payment programs or grants)</b></h2><p data-block-key="68g3u">首付款贈款或計劃通常是指政府或非營利機構等組織向購房者提供的幫助，以幫助他們支付購房首付款。資金可以作為直接贈款提供，也可能需要償還，例如在出售房屋時償還。</p><p data-block-key="a82pe"><a class="" data-pretty-href="cfpb.gov/askcfpb/123" href="/ask-cfpb/where-can-i-get-money-for-a-down-payment-on-a-home-mortgage-en-123/">了解從哪裡可以獲得有關首付款計劃和贈款的資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="fhhud"><br/><b>定金 (Earnest money)</b></h2><p data-block-key="2fnq3">定金是買方支付的押金，以表示對簽署的購房合約協議的真誠意願。該押金由賣方或第三方持有，例如房地產經紀人或產權擔保公司。如果房屋銷售最終確定或「過戶」，則可以將定金用作過戶費或首付款。如果合約是出於允許的原因終止，則將定金退還給買方。如果買方沒有真誠的表現，定金可能會被沒收，並付給賣方。</p><p data-block-key="cgk3h"><a href="/owning-a-home/">了解有關購房程序的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="6l18a"><br/><b>資產净值 (Equity)</b></h2><p data-block-key="5nr3g">資產净值是您的房產目前價值金額減去您的房產任何現有抵押貸款金額。</p><p data-block-key="dfq73"><a class="" data-pretty-href="cfpb.gov/askcfpb/106" href="/ask-cfpb/what-is-a-home-equity-loan-en-106/">了解什麼是住房淨值貸款</a>。<br/><br/><br/></p><hr/><h2 data-block-key="9pco8"><br/><span id="escrow"><b>代管 (Escrow)</span></b></h2><p data-block-key="9qvno">您的抵押貸款機構建立了代管帳戶，以支付某些與房產相關的費用，例如財產稅和房主保險。您每月付款的一部分進入該帳戶。 如果您的抵押貸款沒有代管帳戶，則直接支付與房產相關的費用。<br/></p><p data-block-key="9ffvg">了解有關<a class="" data-pretty-href="cfpb.gov/askcfpb/140" href="/ask-cfpb/what-is-an-escrow-or-impound-account-en-140/">代管如何影響您的每月抵押貸款付款</a>的更多資訊。<br/><br/><br/></p><hr/><h2 data-block-key="3703a"><br/><b>房利美（Fannie Mae）</b></h2><p data-block-key="cj084">聯邦國家抵押貸款協會（英文簡稱爲 FNMA）（房利美）購買並為貸款機構的抵押貸款擔保，以增加容易負擔的貸款。房利美不是聯邦機構。它是獲得聯邦住宅金融管理署（英文簡稱為 FHFA）保護的政府贊助企業。</p><p data-block-key="4f0mc"><a href="/owning-a-home/loan-options/conventional-loans/">了解有關常規貸款的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="96qsr"><br/><b>FHA 融資費 (FHA funding fee)</b></h2><p data-block-key="chm91">聯邦住宅管理局（英文簡稱為 FHA）要求大多數獨戶計劃支付 FHA 融資費和每月保費（英文簡稱為 MIP）。這項前期抵押貸款保費有時稱為前期抵押貸款保費（英文簡稱為 UFMIP）。</p><p data-block-key="5cqmq"><a href="https://www.consumerfinance.gov/owning-a-home/loan-options/fha-loans/">了解 FHA 抵押貸款是否適合您</a>。<br/><br/><br/></p><hr/><h2 data-block-key="88upt"><br/><b>FHA 貸款 (FHA loan)</b></h2><p data-block-key="83o3j">FHA 貸款是由聯邦住宅管理局（英文簡稱爲 FHA）監管和保險的私人貸方的貸款。FHA 貸款與常規貸款不同，因為它們允許較低的信用等級分數和低至貸款總額 3.5％ 的首付款。最高貸款金額因縣不同而異。</p><p data-block-key="c41mq"><a href="/owning-a-home/loan-options/fha-loans/">了解有關該貸款和其他抵押貸款選擇</a>。<br/><br/><br/></p><hr/><h2 data-block-key="ltuo"><br/><b>FHA 抵押貸款限額 (FHA mortgage limits)</b></h2><p data-block-key="1ckb4">FHA 抵押貸款限額是聯邦住宅管理局（英文簡稱爲 FHA）對作為其獨戶住房抵押貸款計劃一部分擔保的合格抵押貸款的美元金額限額。這些限額因地點不同而異，每年可能會修改。</p><p data-block-key="findk"><a class="a-link a-link__icon" href="https://entp.hud.gov/idapp/html/hicostlook.cfm"><span class="a-link_text">使用 FHA 的工具查找您所在縣級貸款限額</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>。<br/><br/><br/></p><hr/><h2 data-block-key="ah797"><br/><b>融資費用 (Finance charge)</b></h2><p data-block-key="1tb50">融資費用是您在抵押貸款的整個期限內支付的利息和貸款費用總額。</p><p data-block-key="7gr6f"><a class="" data-pretty-href="cfpb.gov/askcfpb/1921" href="/ask-cfpb/what-is-the-finance-charge-on-a-mortgage-en-1921/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="tcjb"><br/><b>首次購房者（英文簡稱爲 FTHB）貸款計劃 (First-time home buyers (FTHB) loan programs)</b></h2><p data-block-key="bu7ij">首次購房者（英文簡稱爲 FTHB）可以使用多種不同類型的貸款計劃購買他們的第一套房屋。受歡迎的 FTHB 貸款包括聯邦住宅管理局（英文簡稱為 FHA）、美國退伍軍人事務部（英文簡稱為 VA）、美國農業部（英文簡稱爲 USDA）、房利美（Fannie Mae）和房地美（Freddie Mac）提供的低首付款計劃。一些計劃將 FTHB 定義為三年或更長時間未購房的人。</p><p data-block-key="88orv"><a href="/owning-a-home/loan-options/#anchor_loan-type_361de536a4b234">理解您的貸款選擇</a>。<br/><br/><br/></p><hr/><h2 data-block-key="eh0f3"><br/><b>固定利率抵押貸款 (Fixed-rate mortgage)</b></h2><p data-block-key="7c5cm">固定利率抵押貸款是一種利率在您貸款時設定的房屋貸款，在貸款期限內不會改變。</p><p data-block-key="6f4d">了解有關<a class="" data-pretty-href="cfpb.gov/askcfpb/100" href="/ask-cfpb/what-is-the-difference-between-a-fixed-rate-and-adjustable-rate-mortgage-arm-loan-en-100/">固定利率抵押貸款如何運作</a>以及需要考慮事項的更多資訊。<br/><br/><br/></p><hr/><h2 data-block-key="buac"><br/><b>債務償還期延展 (Forbearance)</b></h2><p data-block-key="4va3l">債務償還期延展是指您的貸款機構允許您暫時以較低的利率支付抵押貸款或暫時停止支付抵押貸款。例如，如果您最近失業、遭受災難或因疾病或受傷醫療保健費用增加，您的貸款機構可能會給予您債務償還期延展。債務償還期延展是一種<a href="#lossmitigation">減損</a>類型。</p><p data-block-key="23ool"><a class="" data-pretty-href="cfpb.gov/askcfpb/289" href="/ask-cfpb/what-is-mortgage-forbearance-en-289/">了解有關抵押貸款債務償還期延展的更多資訊</a>。</p><p data-block-key="64gjs">根據您擁有的貸款類型，可能會有不同的債務償還期延展選擇。您必須與您的貸款機構聯繫，請求債務償還期延展。請記住，當您的債務償還期延展結束時，您必須補足這些漏過或減少的付款。</p><p data-block-key="21q4">如果您受到冠狀病毒的影響</p><p data-block-key="8j329">獲得<a href="/coronavirus/mortgage-and-housing-assistance/">有關抵押貸款減免選擇的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="cgb97"><br/><b>強制保險 (Force-placed insurance)</b></h2><p data-block-key="1ubr5">當您沒有自己的保單或您自己的保單不符合貸款機構的要求時，您的貸款機構可能會要求強制保險。強制保險通常只保護貸方，而不保護您。貸款機構將向您收取保費。強制保險通常比自己尋找保單更昂貴。<br/><br/><br/></p><hr/><h2 data-block-key="57iuk"><br/><b>止贖 (Foreclosure)</b></h2><p data-block-key="7kj71">止贖是指房主未能支付抵押貸款後，貸方或貸款機構收回房產。在某些州，貸方必須上法庭才能取消您的房產贖回權（法院裁定的取消抵押品贖回權），但其他州不需要法院程序（非法院裁定的取消抵押品贖回權）。通常，如果貸方或貸款機構開始止贖程序，必須通知借款人。聯邦規則可能適用於止贖何時開始。<br/> 如果您擔心止贖，<a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">請了解如何獲得幫助</a>。</p><h4 data-block-key="ecav4"><b>如果您受到冠狀病毒的影響</b></h4><p data-block-key="992su">獲得<a href="/coronavirus/mortgage-and-housing-assistance/">有關抵押貸款減免選擇的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="6p2n4"><br/><b>房地美（Freddie Mac）</b></h2><p data-block-key="2us9u">聯邦住房貸款抵押公司（英文簡稱爲 FHLMC）（房地美）是一家由國會創立的私人公司。其使命是透過從銀行和其他貸款機構購買抵押貸款促進住房市場的穩定性和可負擔性。該公司目前在聯邦住宅金融管理署（英文簡稱爲 FHFA）的指導下處於監管之中。</p><p data-block-key="3n7pu"><a href="/owning-a-home/loan-options/conventional-loans/">了解有關常規貸款的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="2hq38"><br/><b>真誠費用估算 (Good Faith Estimate)</b></h2><p data-block-key="7cdho">真誠費用估算（英文簡稱爲 GFE）是貸方在您申請反向抵押貸款時必須提供給您的表格。GFE 列出了有關反向抵押貸款條款的基本資訊。<br/></p><p data-block-key="fvlqc">了解您何時會收到<a class="" data-pretty-href="cfpb.gov/askcfpb/146" href="/ask-cfpb/what-is-a-good-faith-estimate-what-is-a-gfe-en-146/">真誠費用估算</a>。<br/><br/><br/></p><hr/><h2 data-block-key="81em0"><br/><b>政府記錄收費 (Government recording charges)</b></h2><p data-block-key="bu720">政府記錄收費是州和地方政府機構為合法記錄您的契約、抵押貸款和與您的住房貸款相關的文件收取的費用。</p><p data-block-key="74bt6"><a class="" data-pretty-href="cfpb.gov/askcfpb/159" href="/ask-cfpb/what-are-government-recording-charges-for-a-mortgage-en-159/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="at25"></h2><h2 data-block-key="d4js1"><b>高價抵押貸款 (Higher-priced mortgage loan)</b></h2><p data-block-key="cnov7">通常，高價抵押貸款的年利率或 APR 高於稱為平均優惠利率的基準利率。</p><p data-block-key="a634s"><a class="" data-pretty-href="cfpb.gov/askcfpb/1797" href="/ask-cfpb/what-is-a-higher-priced-mortgage-loan-en-1797/">更多資料見 (英文)</a></p><p data-block-key="c45d7"><br/></p><hr/><p data-block-key="8hsp6"></p><p data-block-key="223vk"></p><h2 data-block-key="979i6"><b>業主協會（英文簡稱為 HOA）會費 (HOA dues)</b></h2><p data-block-key="2s57l">如果您想要購買共管公寓、住房合作社管理公寓或計劃分區或其他提供共享服務的有組織社區的房屋，您通常需要支付共管公寓費或業主協會（英文簡稱爲 HOA）會費。這些費用差別很大。共管公寓或 HOA 會費通常與您的每月抵押貸款分開支付。如果您不支付這些費用，您可能會面臨業主協會的債務追收，甚至被取消抵押品贖回權。</p><p data-block-key="eqsfq"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="https://www.consumerfinance.gov/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">了解有關購房程序的更多資訊</a>。</p><h2 data-block-key="10fln"></h2><hr/><p data-block-key="baavl"></p><h2 data-block-key="cojjo"><br/><b>房屋價值評估 (HOA dues)</b></h2><p data-block-key="a7vfu">房屋價值評估是一份書面文件，顯示對房產價值的看法。價值評估為您提供有關房產的有用資訊。價值評估描述了房產的價值所在，並可能顯示該房產與鄰里其他房產的比較狀況。價值評估是對房產價值的獨立評估。</p><p data-block-key="fb5h9">了解有關<a class="" data-pretty-href="cfpb.gov/askcfpb/167" href="/ask-cfpb/what-are-appraisals-and-why-do-i-need-to-look-at-them-en-167/">爲什麽價值評估很重要</a>的更多資訊。<br/><br/><br/></p><hr/><h2 data-block-key="6vtfq"><br/><b>住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）(Home equity line of credit - HELOC)</b></h2><p data-block-key="61plu">住房淨值抵押擔保信用額度（英文簡稱爲 HELOC）是一種允許您以住房淨值為抵押借款的信用額度。住房淨值是您的房產當前價值金額減去您的房產的任何抵押貸款金額。與住房淨值貸款不同，HELOC 通常具有可調利率。對於大多數 HELOC，您會收到特別支票或信用卡，您可以在開設帳戶後的指定時間內借款。這段時間稱為「借款期」。在「借款期」内，您可以借款，但必須支付最低還款額。當「借款期」結束時，您將無法再從您的信用額度中借款。「借款期」結束後，您可能需要一次性還清所有餘額，或者可能允許您在一段時間內還款。如果您無法償還 HELOC，貸方可能會取消您的房屋抵押贖回權。<br/><br/><br/></p><hr/><h2 data-block-key="fuo1i"><br/><b>住房淨值貸款 (Home equity line of credit - HELOC)</b></h2><p data-block-key="1dlf">住房淨值貸款（有時稱為 HEL）允許您使用住房淨值作為抵押品來借款。住房淨值是您的房產當前價值金額減去您的房產的任何現有抵押貸款金額。您從住房淨值貸款中一次性收到資金。住房淨值貸款通常有固定利率 — 不會改變的利率。如果您無法償還 HEL，貸方可能會取消您的房屋抵押贖回權。<br/><br/><br/></p><hr/><h2 data-block-key="77jlv"><br/><b>房屋檢查 (Home inspection)</b></h2><p data-block-key="1no8n">房屋檢查通常是購房程序的一部分。您通常有權聘請房屋檢查員檢查房產並指出其優點和缺點。這通常特別有助於檢測房屋的結構和機械系統，包括供暖、通風、空調和電氣系統。</p><p data-block-key="toa2"><a href="/owning-a-home/close/schedule-home-inspection/">了解如何安排房屋檢查</a>。<br/><br/><br/></p><hr/><h2 data-block-key="a5nim"><b>購房價格 (Home purchase price)</b></h2><p data-block-key="8969i">購房價格是買賣雙方同意支付給賣方的購買房屋的金額。</p><p data-block-key="8deg3"><a href="/owning-a-home/explore/find-right-home/">了解有關如何找到合適的住房的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="18p7r"><b>房主保險 (Homeowner's insurance)</b></h2><p data-block-key="daq6j">如果發生火災或入室盜竊等意外情況，房主保險會賠償您的財產損失和損壞。當您有抵押貸款時，您的貸方希望確保您的財產受到保險的保護。這是為什麼貸方通常需要證明您擁有房主保險的原因。房主保險不同於<a href="#mortgageinsurance">抵押貸款保險</a>。<br/></p><p data-block-key="agb7m"><a href="/owning-a-home/">了解有關購房程序的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="1q89g"><br/><b>業主協會（英文簡稱為 HOA）(Homeowners’ Association - HOA)</b></h2><p data-block-key="9801r">業主協會（英文簡稱為 HOA）的成立通常是為了管理分攤費用，例如計劃分區或其他有組織社區的景觀美化和其他維護費用。共管公寓 HOA 承擔更多責任，例如維護車道、共用結構和屋頂。</p><p data-block-key="ctqmu"><a class="" data-pretty-href="cfpb.gov/askcfpb/1945" href="/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945/">獲取有關 HOA 可能如何在您的抵押貸款對帳單中顯示的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="241og"><br/><b>HUD</b></h2><p data-block-key="d0h8g">住宅與城市發展部（英文簡稱爲 HUD）是一家政府機構，旨在幫助人們獲得和維護優質和可負擔的住房。他們培訓和贊助全美各地的住房顧問。HUD 批准的住房諮詢機構可向您提供購房者諮詢，幫助您了解和評估您的選擇。</p><p data-block-key="78rp"><a href="/find-a-housing-counselor/">查找 HUD 批准的住房諮詢機構</a>。<br/><br/><br/></p><hr/><h2 data-block-key="777c2"><br/><b>HUD-1 過戶明細表 (HUD-1 settlement statement)</b></h2><p data-block-key="fo81g">住房與城市發展部第 1 號（英文簡稱為 HUD-1）過戶明細表列出了房地產過戶中買方和賣方的所有費用和信貸，或抵押貸款再融資中的所有費用。如果您申請反向抵押貸款或您在 2015 年 10 月 3 日或之前申請抵押貸款，您將收到 HUD-1。</p><p data-block-key="abq8e">了解您何時會收到 <a class="" data-pretty-href="cfpb.gov/askcfpb/178" href="/ask-cfpb/what-is-a-hud-1-settlement-statement-en-178/">HUD-1</a>。<br/><br/><br/></p><hr/><h2 data-block-key="9ueij"><br/><b>指數 (Index)</b></h2><p data-block-key="6srl2">指數是反映一般市場狀況的基準利率。指數根據市場變化。指數變化以及您的貸款利率浮動百分比決定可調利率抵押貸款的利率變化。</p><p data-block-key="arv1r">了解<a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">指數如何影響可調利率抵押貸款的利率</a>。<br/><br/><br/></p><hr/><h2 data-block-key="ci397"><br/><b>初始調整上限 (Initial adjustment cap)</b></h2><p data-block-key="9jifn">初始調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）相關聯。這個上限決定利率在固定利率期滿後第一次調整時可以增加多少。這個上限通常是百分之二或百分之五 — 這意味著在第一次利率變化時，新利率不能比固定利率期間的初始利率高出兩個（或五個）百分點以上。</p><p data-block-key="82nk5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">了解指數如何影響可調利率抵押貸款</a>。<br/><br/><br/></p><hr/><h2 data-block-key="6p65v"><br/><b>初始代管存款 (Initial escrow deposit)</b></h2><p data-block-key="5o6nb">如果您的貸方要求，初始代管存款是您在過戶時為啟動您的代管帳戶而支付的金額。</p><p data-block-key="as4dd"><a class="" data-pretty-href="cfpb.gov/askcfpb/160" href="/ask-cfpb/what-is-an-initial-escrow-deposit-en-160/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="alk3h"><b>利率 (Interest rate)</b></h2><p data-block-key="1fleq">抵押貸款的利率是您每年為借款而支付的費用，以百分比表示。它不反映您可能需要為貸款支付的費用或任何其他費用。例如，如果抵押貸款為 100,000 美元，利率為 4%，則該消費者同意在其借款的每年或欠付全部金額時支付 4,000 美元。</p><p data-block-key="1vj7d"><a href="/owning-a-home/explore-rates/">查看您所在地區的利率</a>。<br/><br/><br/></p><hr/><h2 data-block-key="411ds"><b>利率上限 (</b>Interest rate cap<b>)</b></h2><p data-block-key="2ngev">利率上限（有時也稱為年度上限）是可調利率抵押貸款（英文簡稱爲 ARM）每年可能發生的最高利率增長，即使利率在市場利率下會增長更多。例如，如果此上限為百分之二，則新利率不能比以前的利率高出兩個百分點以上。</p><p data-block-key="b5sm7"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">了解貸方如何使用指數和利率浮動百分比調整您的利率</a>。<br/><br/><br/></p><hr/><h2 data-block-key="54s4m"><br/><b>只付息貸款 (Interest-only loan)</b></h2><p data-block-key="8en1k">只付息抵押貸款是一種定期還款的貸款，要求您在指定的時間內只支付利息。</p><p data-block-key="87mug"><a class="" data-pretty-href="cfpb.gov/askcfpb/101" href="/ask-cfpb/what-is-an-interest-only-loan-en-101/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="9ffg"><br/><br/><br/><b>超過（房利美/房地美）上限的大額貸款 (Jumbo loan)</b></h2><p data-block-key="2ntso">每年房利美（Fannie Mae）、房地美（Freddie Mac）及其監管機構聯邦住宅金融管理署（英文簡稱為 FHFA）都會設定他們將從貸方購買的貸款的最高金額。</p><p data-block-key="6ss4c"><a class="" data-pretty-href="cfpb.gov/askcfpb/116" href="/ask-cfpb/what-is-a-jumbo-loan-en-116/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="7t6jd"><br/><b>貸方產權保險 (Lenders title insurance)</b></h2><p data-block-key="el613">貸方產權保險保護您的貸方免受您的房產產權問題的影響，例如有人對房屋提出法律索賠。貸方產權保險僅保護貸方免受產權問題的影響。為了保護自己，您可能需要購買業主產權保險。</p><p data-block-key="bhkcn"><a class="" data-pretty-href="cfpb.gov/askcfpb/163" href="/ask-cfpb/what-is-lenders-title-insurance-en-163/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="3s22s"><br/><b>終身調整上限 (Lifetime adjustment cap)</b></h2><p data-block-key="3lk3m">終身調整上限通常與可調利率抵押貸款（英文簡稱爲 ARM）一起使用。這個上限決定了在貸款期限內利率總共可以增加多少。例如，如果此上限為 5%，則意味著利率永遠不會比初始利率高出 5 個百分點。一些貸方可能有不同或更高的上限。</p><p data-block-key="19ue5"><a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">了解指數如何影響可調利率抵押貸款</a>。<br/><br/><br/></p><hr/><h2 data-block-key="d767b"><br/><b>承擔 (Loan assumption)</b></h2><p data-block-key="3jmtq">貸款承擔發生在買方購買賣方房屋時，買方接手賣方的抵押貸款。買方承擔賣方尚未償還的抵押貸款餘額，並按照最初的貸款條款付款，例如利率和剩餘的抵押貸款期限。當新的抵押貸款提供的利率高於賣方最初取得抵押貸款時的利率時，貸款承擔可能在財務上具有意義。</p><p data-block-key="fjdnd">房屋售價與承擔貸款餘額之間的差額等於買方需要支付的金額，可以用現金支付或者透過自己取得抵押貸款來支付。</p><p data-block-key="6rf3k">要接手抵押貸款，購屋者需要符合貸款承擔的資格要求。符合資格通常是根據對買方的信用和收入的審查，類似於對新抵押貸款的資格要求。</p><p data-block-key="aeoe2">貸款承擔也可以適用於獲得有抵押貸款的房產的所有權的情況，例如在去世或離婚後。<br/><br/><br/></p><hr/><h2 data-block-key="9pb2q"><b><br/>延期還款 (Loan deferment)</b></h2><p data-block-key="dlo83">面臨難以償還抵押貸款困境的借款人通常有權向抵押貸款服務公司尋求幫助。抵押貸款服務公司可以同意延期還款，使借款人能夠藉由延遲償還逾期抵押貸款來避免止贖。當借款人重新貸款或出售房屋，或抵押貸款以其他方式終止時，延期還款金額即到期。<br/><br/></p><hr/><h2 data-block-key="fgps6"><br/><b>貸款估算 (Loan estimate)</b></h2><p data-block-key="7l6d2">貸款估算是您在申請抵押貸款後收到的一份三頁表格。</p><p data-block-key="2246b"><a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="/ask-cfpb/what-is-a-loan-estimate-en-1995/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="57pq4"><br/><span id="loanmodification"><b>貸款修改 (Loan modification)</span></b></h2><p data-block-key="alo9g">抵押貸款修改是對您的貸款條款的更改。修改是一種<a href="#lossmitigation">減損</a>方法。修改可以將您的每月付款減少到您可以負擔的金額。修改可能涉及延長您必須償還貸款的年限、降低您的利率和/或債務償還期延展或減少您的本金餘額。如果向您提供貸款修改，請確保您知道它將如何改變您的每月付款以及您在短期和長期內的欠款總額。</p><p data-block-key="acsq2"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">了解有關抵押貸款修改的更多資訊</a>。</p><p data-block-key="4tpem">如果您受到冠狀病毒的影響</p><p data-block-key="6r5sj">獲得<a href="/coronavirus/mortgage-and-housing-assistance/">有關抵押貸款減免選擇的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="2rune"><br/><b>貸款價值比 (Loan-to-value ratio)</b></h2><p data-block-key="4gj5f">貸款價值比（英文簡稱爲 LTV）是一種將您的抵押貸款金額與房產評估價值進行比較的衡量標準。首付款越高，LTV 就越低。抵押貸款機構可以根據 LTV 來決定是否貸款給您，並確定他們是否要求私人抵押貸款保險。</p><p data-block-key="b5jfg">了解<a class="" data-pretty-href="cfpb.gov/askcfpb/121" href="/ask-cfpb/what-is-a-loan-to-value-ratio-and-how-does-it-relate-to-my-costs-en-121/">您的貸款價值比如何與您的費用相關</a>。<br/><br/><br/></p><hr/><h2 data-block-key="d50lr"><br/><span id="lossmitigation"><b>減損 (Loss mitigation)</b></span></h2><p data-block-key="er584">減損是指抵押貸款機構與抵押貸款借款人合作為避免止贖而採取的措施。減損是指貸款機構有責任減少或「減輕」投資者可能因止贖而遭受的損失。某些減損選擇可能幫助您繼續住在自己的住宅中。另一些選擇可能幫助您在不止贖的情況下離開自己的住房。減損選擇可能包括<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#deed-in-lieu-of-foreclosure">轉讓房產以替代止贖契約</a>、<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#forbearance">債務償還期延展</a>、<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#repayment-plan">還款計劃</a>、<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#short-sale">短售</a>或<a href="/consumer-tools/mortgages/answers/key-terms/?_gl=1*1h0oh2m*_ga*NzA3NjI1NDA4LjE2MTQ3MTY3MzU.*_ga_DBYJL30CHS*MTY3MzAxNTUxOS4xMjMuMS4xNjczMDE2NTgwLjAuMC4w#loan-modification">貸款修改</a>。</p><p data-block-key="2tqs1">如果您在支付抵押貸款時遇到困難，或者您已經獲得提議並正在考慮各種減損選擇，請與住宅與城市發展部（英文簡稱爲 HUD）批准的住房諮詢機構聯繫。</p><p data-block-key="1v5j1">您可以使用消費者金融保護局（英文簡稱爲 CFPB）的 <a href="/find-a-housing-counselor/">「查找顧問」</a> （Find a Counselor）工具，獲取您所在地區經 HUD 批准的住房諮詢機構名單。您也可以撥打每週七天、每天二十四小時開放的 <a class="" data-pretty-href="cfpb.gov/askcfpb/263" href="/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/">HOPE™ 熱線電話</a> (888) 995-HOPE (4673)。</p><p data-block-key="uvqi">如果您受到冠狀病毒的影響</p><p data-block-key="32isi">獲得<a href="/coronavirus/mortgage-and-housing-assistance/">有關抵押貸款減免選擇的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="aoi73"><br/><b>利率浮動百分比 (Margin)</b></h2><p data-block-key="4hgvt">利率浮動百分比是抵押貸款機構在初始利率期結束後為您的可調利率抵押貸款（英文簡稱爲 ARM）設定利率而添加到指數中的百分點數。利率浮動百分比在您的貸款協議中設定，在過戶後不會改變。利率浮動百分比金額取決於特定的貸方和貸款。</p><p data-block-key="fom40">了解<a class="" data-pretty-href="cfpb.gov/askcfpb/1949" href="/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/">利率浮動百分比如何影響可調利率抵押貸款</a>。<br/><br/><br/></p><hr/><h2 data-block-key="4m1e4"><br/><b>每月開支 (Monthly expenses)</b></h2><p data-block-key="9ksvt">這是您每個月花費的錢款。它可能包括但不限於經常性债务，例如租金或抵押貸款付款、公用事业費、汽車付款、子女撫養費和保險費，以及食物等必需品开支。這些债务中的大多數都有固定的到期日。</p><p data-block-key="56rkf"><a href="/owning-a-home/prepare/assess-your-spending/">使用本支出跟踪工具評估您的每月支出</a>。<br/><br/><br/></p><hr/><h2 data-block-key="6mq8r"><br/><b>抵押貸款 (Mortgage)</b></h2><p data-block-key="7og9t">抵押貸款是您與貸方之間的協議，允許您借錢購房或為房屋再融資，並賦予貸方在您未能償還所借款項時收回您的房产的權利。</p><p data-block-key="12rh6">如果您準備好申请抵押貸款，<a class="" data-pretty-href="cfpb.gov/askcfpb/99" href="/ask-cfpb/what-is-a-mortgage-en-99/">請了解有關購房的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="929i0"><br/><b>抵押貸款过户核查单 (Mortgage closing checklist)</b></h2><p data-block-key="bvn8m">抵押貸款过户核查单是您可以用來準備和了解預期情況的步驟列表。該核查單可幫助您確定要提前提出的重要問題，以便您可以自信地過戶。</p><p data-block-key="16ulo"><a href="/owning-a-home/close/#tools">利用本工作單準備過戶</a>。<br/><br/><br/></p><hr/><h2 data-block-key="e34d4"><br/><b>抵押貸款過戶費 (Mortgage closing costs)</b></h2><p data-block-key="48ats">抵押貸款過戶費是您在過戶時支付的所有費用。這包括貸款初辦手續費、價值評估費、信用報告費、產權保險費以及您的貸方要求的或作為房地產抵押貸款交易一部分支付的任何其他費用。貸方需要在<a class="" data-pretty-href="cfpb.gov/askcfpb/1995" href="https://www.consumerfinance.gov/ask-cfpb/what-is-a-loan-estimate-en-1995/">貸款估算</a>中向您提供這些費用摘要。</p><p data-block-key="2s354"><a class="" data-pretty-href="cfpb.gov/askcfpb/176" href="/ask-cfpb/what-is-a-mortgage-closing-what-happens-at-the-closing-en-176/">了解有關過戶時發生的情況的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="21o7p"><br/><span id="mortgageinsurance"><b>抵押貸款保險 (Mortgage insurance)</span></b></h2><p data-block-key="d9scn">如果您拖欠付款，抵押貸款保險可以保護貸方。如果您的首付款低於房產價值的 20%，通常要求購買抵押貸款保險。聯邦住宅管理局（英文簡稱為 FHA）和美國農業部（英文簡稱爲 USDA）貸款通常也要求購買抵押貸款保險。但是，如果您有常規貸款並且您的首付款低於 20%，您很可能有私人抵押貸款保險（英文簡稱爲 PMI）。<br/></p><p data-block-key="2unp9"><a class="" data-pretty-href="cfpb.gov/askcfpb/1953" href="/ask-cfpb/what-is-mortgage-insurance-and-how-does-it-work-en-1953/">了解抵押貸款保險如何運作</a><br/><br/><br/></p><hr/><h2 data-block-key="6je4j"><br/><b>抵押貸款修改 (Mortgage loan modification)</b></h2><p data-block-key="du4a4">抵押貸款修改是對您的貸款條款的更改。修改是一種減損類型。</p><p data-block-key="7o5hl"><a class="" data-pretty-href="cfpb.gov/askcfpb/269" href="/ask-cfpb/what-is-a-mortgage-loan-modification-en-269/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="7ldit"><br/><b>抵押貸款再融資 (Mortgage refinance)</b></h2><p data-block-key="2uli1">抵押貸款再融資是指您申請新貸款以還清並取代舊貸款。再融資的常見原因是降低月利率、降低抵押貸款還款額或借入額外資金。當您再融資時，您通常需要支付過戶費和收費。如果您再融資並獲得較低的每月付款，請確保您了解減少的金額有多少來自較低的利率，有多少是因為您的貸款期限延長。</p><p data-block-key="akcjt"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_should_i_refinance_handout.pdf"><span class="a-link_text">我應當再融資嗎？</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="1ot6t"><a class="a-link a-link__icon" href="https://www.federalreserve.gov/pubs/refinancings/"><span class="a-link_text">抵押貸款再融資消費者指南</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="f2ras"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf"><span class="a-link_text">您的房屋貸款工具包</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="opcr"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf"><span class="a-link_text">可調利率抵押貸款消費者手冊</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/><br/></p><hr/><h2 data-block-key="b2g7s"><br/><b>抵押貸款期限 (Mortgage term)</b></h2><p data-block-key="b33fv">您的抵押貸款期限是您必須償還貸款的期限。對於大多數類型的房屋，抵押貸款期限通常為 15 年、20 年或 30 年。</p><p data-block-key="cnhqf"><a href="/owning-a-home/loan-options/#anchor_loan-term_361c08846349fe">查看貸款期限選擇</a>。<br/><br/><br/></p><hr/><h2 data-block-key="ev5j3"><br/><b>貸款初辦費 (Origination Fee)</b></h2><p data-block-key="7cuvo">貸款初辦費是貸方向借款人收取的發放抵押貸款的費用。貸款初辦費可能包括處理申請、承銷和資助貸款以及其他行政服務費。貸款初辦費通常只能在某些情況下增加。</p><p data-block-key="lft8">了解有關<a class="" data-pretty-href="cfpb.gov/askcfpb/155" href="/ask-cfpb/what-are-mortgage-origination-services-what-is-an-origination-fee-en-155/">抵押貸款初辦費</a>的更多資訊。<br/><br/><br/></p><hr/><h2 data-block-key="94c0j"><br/><b>業主產權保險 (Owner's title insurance)</b></h2><p data-block-key="ppn5">如果有人在房主購房之前起訴並聲稱他們對房屋提出索賠，則業主產權保險可為房主提供保護。</p><p data-block-key="2r1lq"><a class="" data-pretty-href="cfpb.gov/askcfpb/164" href="/ask-cfpb/what-is-owners-title-insurance-en-164/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="9df7k"><br/><b>PACE 融資 (Pace financing)</b></h2><p data-block-key="beelt">PACE 融資提供一種為節能住宅改善提供資金的方式。</p><p data-block-key="28sg4"><a class="" data-pretty-href="cfpb.gov/askcfpb/1979" href="/ask-cfpb/what-is-a-pace-loan-en-1979/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="fq7he"><br/><b>部分索賠 (Partial claim)</b></h2><p data-block-key="m8dg">部分索賠是一種利用抵押貸款保險來幫助陷入困境的屋主避免止贖的方法。抵押貸款服務公司向抵押貸款保險公司提出索賠，索賠金額等於未支付的抵押貸款金額，保險公司會將這筆錢存入一個獨立的帳戶中。接著，當借款人為抵押貸款重新貸款、出售房屋或以其他方式終止抵押貸款時，部分索賠的金額將支付給抵押貸款服務公司。有時，部分索賠金額可能不足以涵蓋未付款的全部金額，此時借款人必須支付差額。<br/><br/><br/></p><hr/><h2 data-block-key="cnhdr"><br/><b>付清金額 (Payoff amount)</b></h2><p data-block-key="48k72">您的付清金額是您實際需要支付多少金額才能滿足您的抵押貸款條款並完全還清您的債務。您的付清金額與當前餘額不同。您的當前餘額可能無法反映您實際需要支付多少金額才能完全償還貸款。您的付清金額還包括在您打算還清貸款之日之前欠付的任何利息付款。付清金額還可能包括您已產生但尚未支付的其他費用。<br/><br/><br/></p><hr/><h2 data-block-key="et3tb"><br/><b>PCS 命令 (PCS orders)</b></h2><p data-block-key="nt5p">現役軍人可能會收到永久性遷基地（英文簡稱為 PCS）命令。PCS 命令是將軍人（以及與他們同住的任何家庭成員）正式搬遷到不同的工作地點。如果軍人擁有房屋，他們可能會選擇出售。如果軍人欠付的房屋費用超過房屋的價值，他們可能很難賣掉房屋。一些貸款機構提供的計劃允許軍人出售他們的房屋，而不必償還剩餘的貸款餘額。請查閲<a href="https://www.consumerfinance.gov/consumer-tools/military-financial-lifecycle/">軍人資源</a>，了解更多資訊。<br/><br/><br/></p><hr/><h2 data-block-key="emrpg"><br/><b>PITI</b></h2><p data-block-key="2fk88">本金、利息、稅金和保險（亦稱爲 PITI）是每月抵押貸款還款的四個基本要素。</p><p data-block-key="5lrn"><a class="" data-pretty-href="cfpb.gov/askcfpb/152" href="/ask-cfpb/what-is-piti-en-152/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="e26a0"><br/><b>PMI</b></h2><p data-block-key="c34vm">私人抵押貸款保險（英文簡稱爲 PMI）是一種使您的貸方受益的抵押貸款。如果您的首付款低於物業價值的 20% 並且您有常規貸款，您可能需要支付 PMI。一旦您在住宅中積累了一定金額的資產淨值，您就可以取消 PMI。</p><p data-block-key="974kq"><a class="" data-pretty-href="cfpb.gov/askcfpb/122" href="/ask-cfpb/what-is-private-mortgage-insurance-en-122/">了解何時需要 PMI 的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="4qte3"><br/><b>預付利息收費 (Prepaid interest charges)</b></h2><p data-block-key="f46d2">預付利息收費是在您的抵押貸款過戶之日到您的第一個月抵押貸款付款涵蓋階段之間您的貸款產生的任何每日利息在過戶時應付的費用。</p><p data-block-key="epko7"><a class="" data-pretty-href="cfpb.gov/askcfpb/161" href="/ask-cfpb/what-are-prepaid-interest-charges-en-161/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="521m5"><br/><b>提前償付貸款罰金 (Prepayment penalty)</b></h2><p data-block-key="6e0fk">提前償付貸款罰金是一些貸方在您提前償還全部或部分抵押貸款時收取的費用。如果您有提前償付貸款罰金，您在房屋過戶時應當已經同意支付該罰金。並非所有抵押貸款都有提前償付貸款罰金。<br/><br/><br/></p><hr/><h2 data-block-key="33qab"><br/><b>本金 (Principal)</b></h2><p data-block-key="1grof">本金是您必須償還的抵押貸款金額。您的每月付款包括該本金的一部分。當償還本金時，借款人欠款金額會減少，並且根據較低的貸款金額將支付 較少的利息。</p><p data-block-key="7ba7k"><a class="" data-pretty-href="cfpb.gov/askcfpb/1941" href="/ask-cfpb/on-a-mortgage-whats-the-difference-between-my-principal-and-interest-payment-and-my-total-monthly-payment-en-1941/">了解利率與本金之間的區別</a>。<br/><br/><br/></p><hr/><h2 data-block-key="bl3m3"><br/><b>財產稅 (Property taxes)</b></h2><p data-block-key="f93pd">財產稅是地方司法管轄部門（通常在縣級）根據徵稅財產的價值徵收的稅款。通常，財產稅是在房主的每月抵押貸款付款中徵收的，然後每年一次或多次支付給相關司法管轄部門。這稱為代管帳戶。如果貸款沒有代管帳戶，房主將直接支付財產稅。</p><p data-block-key="b0v8m"><a href="/owning-a-home/">了解有關購房程序的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="29ga5"><br/><b>合格抵押貸款 (Qualified mortgage)</b></h2><p data-block-key="5upa8">合格抵押貸款是一種類型的貸款，具有某些更穩定的特徵，有助於使您更有可能負擔得起貸款。</p><p data-block-key="fihp0"><a class="" data-pretty-href="cfpb.gov/askcfpb/1789" href="/ask-cfpb/what-is-a-qualified-mortgage-en-1789/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="dtbef"><br/><b>合格書面請求（英文簡稱爲 QWR）(Qualified Written Request - QWR)</b></h2><p data-block-key="cjf1a">合格書面請求（英文簡稱爲 QWR）是您或代表您的人可以發送給您的抵押貸款機構的書面信件。您還可以向您的貸款機構發送「錯誤通知」或「資訊請求」，用於取代 QWR。</p><p data-block-key="8mt2j"><a class="" data-pretty-href="cfpb.gov/askcfpb/207" href="/ask-cfpb/what-is-a-qualified-written-request-qwr-en-207/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="9oq8p"><br/><span id="repaymentplan"><b>償還計劃 (Repayment plan)</span></b></h2><p data-block-key="eut5u">償還計劃是一種結構化的方式，用於彌補您在一段時間內未付的抵押貸款付款。這是一種<a href="#lossmitigation">減損</a>方法。如果您在支付抵押貸款時遇到困難，您的貸方或貸款機構可能會允許您<a class="" data-pretty-href="cfpb.gov/askcfpb/268" href="/ask-cfpb/if-i-cant-pay-my-mortgage-loan-what-are-my-options-en-268/">簽訂償還計劃</a>。在制定償還計劃之前，請確保您了解該計劃的要求以及您是否能夠支付新款項。<br/><br/><br/></p><hr/><h2 data-block-key="6qagi"><br/><b>反向抵押貸款 (Reverse mortgage)</b></h2><p data-block-key="411u2">反向抵押貸款允許 62 歲或以上的房主從其房屋淨值中借款。這稱為「反向」抵押貸款，因為您不是向貸方付款，而是從貸方那裡收到錢款。您收到的錢款和貸款收取的利息每月都會增加您的貸款餘額。目前大多數反向抵押貸款都稱為 HECM，這是住房淨值可變現抵押貸款的縮寫。</p><p data-block-key="ep9dq">了解<a class="" data-pretty-href="cfpb.gov/askcfpb/228" href="/ask-cfpb/what-should-i-think-about-before-applying-for-reverse-mortgage-en-228/">申請反向抵押貸款前應考慮的事項</a>。<br/><br/><br/></p><hr/><h2 data-block-key="88ss0"><br/><b>撤銷權 (Right of rescission)</b></h2><p data-block-key="b0vec">撤銷權是指消費者有權取消某些類型的貸款。如果您透過抵押貸款購買房屋，您無權在過戶文件簽署後取消貸款。但是，如果您為抵押貸款再融資，您可以在交易後第三個工作日午夜之前撤銷（取消）抵押貸款合約。該三天時間從您簽署信貸合約（通常稱為本票），您收到<a class="" data-pretty-href="cfpb.gov/askcfpb/180" href="/ask-cfpb/what-is-a-truth-in-lending-disclosure-en-180/">誠信借貸披露</a>表，並且收到兩份解釋您撤銷權利的通知副本後才開始計時。<br/><br/><br/></p><hr/><h2 data-block-key="2sv6f"><br/><b>第二抵押貸款 (Second mortgage)</b></h2><p data-block-key="ehrpv">第二抵押貸款或初級留置權是您使用您的房屋作為抵押品而獲得的貸款，而您仍有另一筆貸款以您的房屋為抵押。</p><p data-block-key="42t8m"><a class="" data-pretty-href="cfpb.gov/askcfpb/105" href="/ask-cfpb/what-is-a-second-mortgage-loan-or-junior-lien-en-105/">了解有關第二抵押貸款的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="6stou"><br/><b>擔保物權 (Security interest)</b></h2><p data-block-key="c71np">如果您不償還所借的錢款，擔保物權可允許貸方取消抵押品贖回權。</p><p data-block-key="58o2l"><a class="" data-pretty-href="cfpb.gov/askcfpb/1999" href="/ask-cfpb/my-mortgage-closing-forms-mention-a-security-interest-what-is-a-security-interest-en-1999/">更多資料見 (英文)</a><br/><br/></p><hr/><h2 data-block-key="a9vtl"><br/><b>賣方融資 (Seller financing)</b></h2><p data-block-key="6pop1">賣方融資是您的房屋的賣方向您提供的貸款。</p><p data-block-key="493be"><a>更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="96fbn"><br/><b>貸款機構 (Servicer)</b></h2><p data-block-key="dk6s2">您的抵押貸款機構是向您發送抵押貸款報表的公司。您的貸款機構還負責管理您的貸款的日常任務。</p><p data-block-key="f0auf">您的貸款機構通常會處理您的貸款付款、回复借款人的詢問、跟踪支付的本金和利息，並管理您的<a href="#escrow">代管帳戶</a>（如有）。在某些情況下，貸款機構可能會發起止贖。您的貸款機構可能是也可能不是最初向您提供貸款的公司。<br/><br/><br/></p><hr/><h2 data-block-key="djtk7"><br/><b>增值共享抵押貸款 (Shared appreciation mortgage)</b></h2><p data-block-key="d742k">根據增值共享抵押貸款，您同意與您的貸方分享您的房屋價值的任何增值部分。</p><p data-block-key="amlta"><a class="" data-pretty-href="cfpb.gov/askcfpb/270" href="/ask-cfpb/my-servicer-offered-me-a-shared-appreciation-mortgage-as-a-means-of-modification-what-does-that-mean-en-270/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="b2m3v"><br/><span id="shortsale"><b>短售 (Short sale)</span></b></h2><p data-block-key="55oiv">短售是指以低於您所欠抵押貸款的價格出售您的房屋。短售是止贖的另一種替代方法，但由於是出售，您將必須離開您的住宅。如果您的貸方或貸款機構同意短售，您可以出售房屋以還清抵押貸款，即使售價或收益低於抵押貸款餘額。短售是一種<a href="#lossmitigation">減損</a>類型。如果您住在需要對任何清償抵押債務餘額（即您的房產價值與您仍欠抵押貸款金額之間的差額）負責任的州，您應當要求您的貸方豁免清償抵押債務餘額。如果貸方豁免清償抵押債務餘額，請獲得書面豁免證書，並將其保存在您的記錄中。<br/><br/><br/></p><hr/><h2 data-block-key="dsi6d"><br/><b>次級抵押貸款 (Subprime mortgage)</b></h2><p data-block-key="81bd">當貸方使用該術語時，它們通常是指為不符合優質貸款條件的借款人提供的貸款計劃，通常利率較高。</p><p data-block-key="eejmc"><a href="/owning-a-home/">了解有關購房程序的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="3sval"><br/><b>勘測圖 (Survey)</b></h2><p data-block-key="cmesk">勘測圖是您的房產的圖紙，顯示地塊、房屋和任何其他結構的位置，以及對房產的任何改進。</p><p data-block-key="1anfs"><a class="" data-pretty-href="cfpb.gov/askcfpb/166" href="/ask-cfpb/what-is-a-survey-en-166/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="997rv"><br/><b>產權轉移手續費 (Title service fees)</b></h2><p data-block-key="9o9sq">產權轉移手續費是您在獲得抵押貸款時支付的過戶費的一部分。當您購買房屋時，您會收到一份通常稱為契約的文件，該文件表明賣方將其對房屋的合法所有權或「產權」轉讓給您。產權轉移手續費是與為貸方簽發產權保單相關的費用。</p><p data-block-key="5vvg5"><a class="" data-pretty-href="cfpb.gov/askcfpb/157" href="/ask-cfpb/what-are-title-service-fees-en-157/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="1pi0b"><br/><b>總利息百分比（英文簡稱為 TIP）(Total interest percentage - TIP)</b></h2><p data-block-key="btqm9">總利息百分比（英文簡稱為 TIP）是一種資訊披露，告訴您在抵押貸款的整個期限內您將支付多少利息。</p><p data-block-key="dait6"><a class="" data-pretty-href="cfpb.gov/askcfpb/2001" href="/ask-cfpb/what-is-the-total-interest-percentage-tip-on-a-mortgage-en-2001/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="ap9ln"><br/><b>付款總額 (Total of payments)</b></h2><p data-block-key="e16uu">這個數字告訴您在抵押貸款期限內您將支付的總金額。</p><p data-block-key="421ap"><a class="" data-pretty-href="cfpb.gov/askcfpb/1925" href="/ask-cfpb/what-does-total-of-payments-mean-when-getting-a-mortgage-en-1925/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="bc5uc"><br/><b>TRID</b></h2><p data-block-key="1k77a">TRID 是一些人用來指代《誠信借貸法》與《不動產過戶程序法案》（英文簡稱為 TILA-RESPA）綜合資訊披露（<b>T</b>ILA <b>R</b>ESPA <b>I</b>ntegrated <b>D</b>isclosure）規定的首字母縮略語。</p><p data-block-key="et5vd"><a class="" data-pretty-href="cfpb.gov/askcfpb/2011" href="/ask-cfpb/i-am-getting-a-mortgage-loan-and-i-have-heard-the-term-trid-what-does-trid-mean-en-2011/">更多資料見 (英文)</a><br/><br/><br/></p><hr/><h2 data-block-key="7m28v"><br/><b>USDA 貸款 (USDA Loan)</b></h2><p data-block-key="3rsbv">農村住房服務署是美國農業部（英文簡稱為 USDA）的一部分，它向達到 USDA 收入資格要求的農村購房者提供無首付款和普遍優惠利率的抵押貸款計劃。</p><p data-block-key="b1e0p"><a href="/owning-a-home/loan-options/special-loan-programs/">了解有關此項計劃和其他特殊貸款計劃的更多資訊</a>。<br/><br/><br/></p><hr/><h2 data-block-key="7cliu"><br/><b>VA 貸款 (VA loan)</b></h2><p data-block-key="3keme">VA 貸款是退伍軍人事務部（英文簡稱爲 VA）提供的一項貸款計劃，旨在幫助現役軍人、退伍軍人和合格的未亡配偶購房。 退伍軍人事務部不提供貸款，但會制定有關哪些人符合資格和抵押貸款條款的規則。退伍軍人事務部為部分貸款提供擔保，以降低貸款人遭受損失的風險。貸款通常僅適用於主要居所。</p><p data-block-key="aq69m">如果您是退伍軍人，請了解<a>VA 貸款是否適合您</a>。</p>
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diff --git a/www.consumerfinance.gov/language/zh/shopping-for-a-mortgage/index.html b/www.consumerfinance.gov/language/zh/shopping-for-a-mortgage/index.html
new file mode 100644
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--- /dev/null
+++ b/www.consumerfinance.gov/language/zh/shopping-for-a-mortgage/index.html
@@ -0,0 +1,1480 @@
+<!DOCTYPE html>
+<html lang="zh-Hant" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
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+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>查找抵押貸款 | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/learn-page/index.html">
+    <meta name="description"
+          content="查找抵押貸款需要花費時間和精力。">
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+    <meta property="og:title" content="查找抵押貸款 | Consumer Financial Protection Bureau">
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+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
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+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+            data-js-hook="behavior_flyout-menu_trigger">
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+        Back
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
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+<div aria-level="2" role="heading">
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                aria-label="Rules & Policy"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
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+    >
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+       >
+        Notices and Opportunities to Comment
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+       >
+        Advisory Committees
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+        Enforcement
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+                aria-label="Enforcement"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/compliance/">
+                Compliance Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Data & Research"
+                >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/research-reports/"
+       >
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+       >
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/prepaid-accounts/"
+       >
+        Prepaid Account Agreements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/data-research/financial-well-being-survey-data/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        News
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+        Back
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+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=press-release"
+       >
+        Press Releases
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=op-ed&amp;categories=speech"
+       >
+        Speeches &amp; Op-eds
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=testimony"
+       >
+        Testimony
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/activity-log/"
+       >
+        Recent Updates
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+    <div class="m-global-eyebrow
+                m-global-eyebrow__list">
+        <div class="wrapper
+                    ">
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
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+                        <a href="/language/zh/" hreflang="zh" lang="zh">
+                            中文
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
+                    </li>
+                </ul>
+                <span class="m-global-eyebrow_phone">
+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
+                </span>
+            </div>
+        </div>
+    </div>
+</div>
+</nav>
+        </div>
+    </div>
+</header>
+    <main class="content content__2-1 content__bleedbar"
+          id="main">
+                <div class="content_wrapper">
+     <nav class="m-breadcrumbs" aria-label="Breadcrumbs">
+             / 
+                <a class="m-breadcrumbs_crumb"
+                   href="/language/zh/">
+                    CFPB in Chinese
+                </a>
+     </nav>
+                </div>
+<div class="content_wrapper">
+    <div class="content_main  content__flush-bottom">
+        <section>
+   <div class="block block__flush-top block__padded-bottom block__border-bottom">
+    <div class="eyebrow">Shopping for a mortgage (in Traditional Chinese)</div>
+<h1>查找抵押貸款</h1>
+    <div class="lead-paragraph">
+        <p data-block-key="6ge3s">查找抵押貸款需要花費時間和精力。但這可以為您節省成千上萬美元。將您的目標定為比較不同貸款公司提供的至少三份貸款報價。</p>
+    </div>
+    <p data-block-key="tqp8j"><b>本頁內容：</b></p><ul><li data-block-key="2g6e"><a href="#preapproval">至少獲得三份預先批准</a></li><li data-block-key="6r8it"><a href="#shop">選擇貸款期限、利率結構和方案</a></li><li data-block-key="a6cov"><a href="#loanprogram">貸款方案: 常規、FHA 貸款、VA 貸款或特殊方案</a></li><li data-block-key="1entt"><a href="#compareoffers">比較貸款報價</a></li><li data-block-key="capva"><a href="#betterdeal">爭取更好的交易</a></li></ul>
+   </div>
+   <div class="block block__flush-top">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="c0lt8"><b><span id="preapproval"></span>至少獲得三份預先批准</b></h2><p data-block-key="6mhvu">網際網路和報紙是您開始尋找抵押貸款公司的好地方。聯繫銀行、信用社和可能專門針對您的情況的組織，例如：首次購房者、退伍軍人、公共部門工作人員或其他人。</p><p data-block-key="dm2iu">至少從三家不同貸款公司獲取「預先批准」。這意味著貸款公司會查看您的財務狀況，包括您的信用報告，並估計您能借多少錢以及您可能會支付的利息。</p><p data-block-key="38ie5">「預先批准」讓您嘗試接觸每家貸款公司，看看他們提供怎樣的貸款和價格。當您在短時間內獲得所有三份「預先批准」時，這對您的信用評分應該沒有大的影響。</p><p data-block-key="bvfa0">當您做了一些決定後，您可以再來找這些貸款公司，向他們索取貸款報價。</p>
+            </div>
+</div>
+   </div>
+   <div class="block">
+<div>
+        <p><h2 data-block-key="t8nnp"><span id="shop"></span>選擇貸款期限、利率結構和方案</h2><h3 data-block-key="4eghd">貸款期限：更長或更短</h3><p data-block-key="3a07i">一般來說，較長的貸款期限在整個貸款期間花費較多。但您的月付款額通常較低。您可以與貸款公司協商不同的貸款期限，例如 20 年，7 年，甚至超過 30 年。</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            30 年
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="顯示">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="隱藏">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="rxec1">大多數購房者選擇 30 年的貸款，因為付款可以很低。</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            15 年
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="顯示">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="隱藏">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="8mxpv">付款額通常比 30 年貸款高，但您的貸款會在 15 年內還清，貸款的總成本較低。</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div id="">
+    <h3>貸款利率結構：固定利率或可調利率</h3>
+        <p><p data-block-key="awv7t">固定利率貸款很常見。使用可調利率貸款，您的初始付款可能較低，但如果利率上升，您可能面臨急劇增加的付款額。</p></p>
+    <div class="o-expandable-group
+                ">
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            固定利率抵押貸款
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="顯示">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="隱藏">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="8mxpv">您的利率和月付款額在您的貸款期限內保持不變。</p>
+    </div>
+</div>
+<div class="o-expandable
+            o-expandable__padded
+            "
+      >
+    <button class="o-expandable_header" type="button">
+        <span class="h4 o-expandable_label"
+              >
+            可調利率抵押貸款 (ARM)
+        </span>
+        <span class="o-expandable_cues">
+            <span class="o-expandable_cue-open" role="img" aria-label="顯示">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.792.792 0 0 0 .792-.791Z"/></svg>
+            </span>
+            <span class="o-expandable_cue-close" role="img" aria-label="隱藏">
+                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.792.792 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.792.792 0 0 0 .792-.791"/></svg>
+            </span>
+        </span>
+    </button>
+    <div class="o-expandable_content"
+          >
+                        <p data-block-key="8mxpv">您的利率通常在貸款的前幾年是固定的。一旦固定期滿，利率將根據「指數」進行定期調整。指數是對利率進行的總體衡量，它反映了整體經濟的趨勢。這意味著您的付款金額可能增加或減少。您從貸款公司那裡收到的貸款評估中囊括了詳情。</p>
+    </div>
+</div>
+    </div>
+</div>
+   </div>
+   <div class="block">
+<div class="o-full-width-text-group">
+            <div class="m-full-width-text">
+                <h2 data-block-key="qtdf2"><span id="loanprogram"></span>貸款方案：常規、FHA 貸款、VA 貸款或特殊方案</h2><p data-block-key="barh0">目前提供許多貸款方案，有些是為了幫助某些情況或群體的人員獲得抵押貸款而設置的。</p><h3 data-block-key="aui4e">首付款為 5% 或以上？</h3><p data-block-key="qe05">諮詢有關房利美 (Fannie Mae) 或房地美 (Freddie Mac) 的合格貸款，通常稱為「常規」貸款。</p><h3 data-block-key="cnqcs">只付少量首付款？</h3><p data-block-key="bncbe">諮詢有關 FHA 擔保的貸款。</p><h3 data-block-key="dg47v">您是軍人或退伍軍人嗎？</h3><p data-block-key="d5u8d">諮詢有關 VA 擔保的貸款。</p><h3 data-block-key="71ki">在農村地區購房嗎？</h3><p data-block-key="ds5cu">諮詢美國農業部 (USDA) 提供贊助的貸款。</p><h3 data-block-key="5kb31">首次購房的低收入或中等收入者？</h3><p data-block-key="71aat">諮詢您所在州的住房融資機構提供的貸款。</p><h2 data-block-key="o8k4"><span id="compareoffers"></span>比較貸款報價</h2><p data-block-key="2soa9">現在是時候啟動正式申請程序了。請求您的貸款公司提供反映您對貸款類型、方案和期限選擇的貸款報價。然後您就可以對同類產品進行比較了。</p><p data-block-key="1d9ff"><b>首先，請比較貸款的基本部分：</b></p><ul><li data-block-key="i0us">貸款的期限是什麼？</li><li data-block-key="9jc3h">利率是多少？</li><li data-block-key="f0l4k">貸款的首付款是多少？</li><li data-block-key="eqa7v">月付款額是多少？</li><li data-block-key="5kbgd">對於可調利率抵押貸款，付款調整和利率是否有上限？如果市場利率下降，利率是否會下降？</li></ul><p data-block-key="3faoq"><b>接著，比較其他可能影響您的成本的詳情：</b></p><ul><li data-block-key="2i8dq">我的付款何時才能還清我的本金？</li><li data-block-key="2962s">在整個貸款期間，付款方式是否會改變？我的付款可以達到多高？</li><li data-block-key="88vmr">我的付款是否包括房產稅和保險？如果不包括，我是否有能力單獨支付這些費用？</li><li data-block-key="5ecsh">哪些成本和費用將添加到我的首筆付款中？添加到我的持續付款中？</li><li data-block-key="2uoup">我是否需要支付點數（可降低利率的前期費用）？</li><li data-block-key="5lspo">我的借款金額中包括哪些費用和成本（通常用於「無過戶費」貸款）？</li><li data-block-key="7s46i">書面報價與我被告知的貸款內容是否一致？</li><li data-block-key="3epb8">我能否從不同的服務提供者那裡得到更好的結算服務交易？</li><li data-block-key="do4ab">我是否可以提前償還貸款，或支付比預定金額更多的款項，而不會受到懲罰？</li></ul><h2 data-block-key="9cga5"><span id="betterdeal"></span>爭取更好的交易</h2><p data-block-key="7b4p7">一旦您看到幾份貸款公司的報價，詢問他們是否可以給予更好的條款。談判是很常見的，問一下也無妨。貸款公司可能會免除或減少一項或多項費用，或降低利率或點數。</p><p data-block-key="dsliu">確保貸款公司不會在降低一項費用的同時提高另一項費用，或者降低您的利率但提高您的點數。</p>
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+                    <a aria-label="Visit us on Flickr" class="m-social-media_icon" data-pretty-href="https://www.flickr.com/photos/cfpbphotos" href="/external-site/?ext_url=https%3A%2F%2Fwww.flickr.com%2Fphotos%2Fcfpbphotos&amp;signature=GbqC6nvI0a2NHWTQqKaK2EOdJBMbQ9D6sv7J1TXR1oI">
+<svg class="cf-icon-svg cf-icon-svg__flickr-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 1.666v15.833H.083V1.666zM7.342 9.583a2.588 2.588 0 1 0-2.589 2.588 2.589 2.589 0 0 0 2.588-2.588zm6.491 0a2.587 2.587 0 1 0-2.588 2.588 2.588 2.588 0 0 0 2.588-2.588"></path></svg>
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+            <div class="o-footer_col">
+                <ul class="o-footer_list m-list">
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/foia-requests/">
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+                        <a class="m-list_link" href="/privacy/">
+                            Privacy
+                        </a>
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+                        <a class="m-list_link"
+                           href="/privacy/website-privacy-policy/">
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+                        <a class="m-list_link" href="/data/">
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+                            Open Government
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+                        <a class="m-list_link" href="/open-government/information-quality-guidelines/">
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+                            Administrative Adjudication
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+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/plain-writing/">
+                            Plain Writing
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+                        <a class="m-list_link" href="/office-civil-rights/">
+                            Office of Civil Rights
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/office-civil-rights/no-fear-act-cummings-act/">
+                            No FEAR Act &amp; Cummings Act
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/tribal/">
+                            Tribal
+                        </a>
+                    </li>
+                </ul>
+            </div>
+        </div>
+        <div class="o-footer-middle-right">
+                <ul class="o-footer_list m-list">
+                    <li class="m-list_item">
+                        <a class="m-list_link a-link a-link__icon" href="https://www.usa.gov/"><span class="a-link_text">USA.gov</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link a-link a-link__icon" href="https://oig.federalreserve.gov/"><span class="a-link_text">Office of Inspector General</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
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+                </ul>
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+        <div class="o-footer-post">
+<div class="a-tagline a-tagline__large"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
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+   </div>
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+</footer>
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+</html>
\ No newline at end of file
diff --git a/www.consumerfinance.gov/language/zh/shopping-for-your-auto-loan/index.html b/www.consumerfinance.gov/language/zh/shopping-for-your-auto-loan/index.html
index b68042db19dd..25b65630587b 100644
--- a/www.consumerfinance.gov/language/zh/shopping-for-your-auto-loan/index.html
+++ b/www.consumerfinance.gov/language/zh/shopping-for-your-auto-loan/index.html
@@ -879,7 +879,7 @@
     <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
        href="/data-research/small-business-lending/"
        >
-        Small Business Lending Database
+        Small business lending database
     </a>
 </li>
             </ul>
diff --git a/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html b/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html
new file mode 100644
index 000000000000..82a13670884d
--- /dev/null
+++ b/www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/index.html
@@ -0,0 +1,1341 @@
+<!DOCTYPE html>
+<html lang="en" class="no-js">
+<head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# ">
+    <meta http-equiv="X-UA-Compatible" content="IE=edge">
+    <meta charset="utf-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1">
+    <title>Privacy Act Statement for Email Campaign Subscribers | Consumer Financial Protection Bureau</title>
+    <meta name="template" content="v1/learn-page/index.html">
+    <meta name="description"
+          content="The information you provide will permit the Consumer Financial Protection Bureau to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.">
+    <link rel="canonical" href="https://www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/">
+    <meta property="og:title" content="Privacy Act Statement for Email Campaign Subscribers | Consumer Financial Protection Bureau">
+    <meta property="og:type" content="website">
+    <meta property="og:url" content="https://www.consumerfinance.gov/privacy/email-campaign-privacy-act-statement/">
+        <meta property="og:image"
+              content="https://www.consumerfinance.gov/static/img/logo_open-graph_facebook.d0dedfbe1787.png">
+        <meta property="twitter:image"
+              content="https://www.consumerfinance.gov/static/img/logo_open-graph_twitter.ebc43e92acd1.png">
+    <meta property="og:description"
+          content="The information you provide will permit the Consumer Financial Protection Bureau to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.">
+    <meta property="og:site_name" content="Consumer Financial Protection Bureau">
+    <meta property="fb:app_id" content="210516218981921">
+    <link rel="icon" href="/static/favicon.ccb3dcabd67e.ico" sizes="any">
+    <link rel="icon" href="/static/icon.c46f4400c465.svg" type="image/svg+xml">
+    <link rel="apple-touch-icon" href="/static/apple-touch-icon.fdc50b7ff8a9.png">
+    <link rel="manifest" href="/static/site.82101d434c3b.webmanifest">
+    <link rel="preload"
+          href="/static/fonts/2cd55546-ec00-4af9-aeca-4a3cd186da53.457e94a5b665.woff2"
+          as="font"
+          type="font/woff2" crossorigin>
+    <link rel="preload"
+          href="/static/fonts/627fbb5a-3bae-4cd9-b617-2f923e29d55e.24932ad03d18.woff2"
+          as="font"
+          type="font/woff2" crossorigin>
+    <link rel="preload" href="/static/js/routes/common.295b5396c0ca.js" as="script">
+    <link rel="preconnect" href="//google-analytics.com/" crossorigin>
+    <link rel="dns-prefetch" href="//google-analytics.com/">
+    <link rel="preconnect" href="//googletagmanager.com/" crossorigin>
+    <link rel="dns-prefetch" href="//googletagmanager.com/">
+    <link rel="preconnect" href="//js-agent.newrelic.com/" crossorigin>
+    <link rel="dns-prefetch" href="//js-agent.newrelic.com/">
+    <link rel="dns-prefetch" href="//ytimg.com/">
+    <link rel="dns-prefetch" href="//doubleclick.net/">
+</head>
+<body>
+    <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-KMMLRS"
+    height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
+    <div class="a-overlay u-hidden"></div>
+    <div class="skip-nav">
+        <a class="skip-nav_link"
+          href="#main">
+            Skip to main content
+        </a>
+    </div>
+<header class="o-header o-header__mega-menu">
+    <div class="m-global-eyebrow
+                m-global-eyebrow__horizontal">
+        <div class="wrapper
+                    wrapper__match-content">
+<div class="a-tagline"
+     aria-label="Official website of the United States government">
+   <span class="u-usa-flag"></span>
+   <div class="a-tagline_text">
+      An official website of the
+      <span class="u-nowrap">United States government</span>
+   </div>
+</div>
+            <div class="m-global-eyebrow_actions">
+                <ul class="m-list
+                           m-list__horizontal
+                           m-global-eyebrow_languages">
+                    <li class="m-list_item">
+                        <a href="/es/" hreflang="es" lang="es">
+                            Español
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/zh/" hreflang="zh" lang="zh">
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+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/vi/" hreflang="vi" lang="vi">
+                            Tiếng Việt
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ko/" hreflang="ko" lang="ko">
+                            한국어
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/tl/" hreflang="tl" lang="tl">
+                            Tagalog
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ru/" hreflang="ru" lang="ru">
+                            Pусский
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ar/" hreflang="ar" lang="ar">
+                            العربية
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a href="/language/ht/" hreflang="ht" lang="ht">
+                            Kreyòl Ayisyen
+                        </a>
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+                </ul>
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+                    <a href="tel:+1-855-411-2372">(855) 411-2372</a>
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+    </div>
+    <div class="o-header_content">
+        <div class="wrapper wrapper__match-content">
+            <a class="o-header_logo" href="/">
+<img alt="Consumer Financial Protection Bureau" class="o-header_logo-img" height="50" sizes="(max-width: 900px) 161px,
+                            237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w,
+                             /static/img/logo_161x34@2x.fff273f43f0a.png 322w,
+                             /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w,
+                             /static/img/logo_161x34@4x.ea36178a3ff3.png 644w,
+                             /static/img/logo_237x50.c7c2ba6c929f.png 237w,
+                             /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/>
+</a>
+    <div class="m-global-header-cta">
+        <a href="/complaint/">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+            Submit a Complaint
+        </a>
+    </div>
+            <div class="m-global-search"
+     data-js-hook="behavior_flyout-menu">
+    <div class="m-global-search_fallback">
+        <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&amp;query=">
+            Search
+        </a>
+    </div>
+    <button class="m-global-search_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-label="Search the consumerfinance.gov website">
+        <span class="m-global-search_trigger-open-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+            <span class="u-hide-on-mobile">Search</span>
+        </span>
+        <span class="m-global-search_trigger-close-label">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-hide-on-mobile">Close</span>
+        </span>
+    </button>
+    <div class="m-global-search_content
+                u-hidden"
+         data-js-hook="behavior_flyout-menu_content"
+         role="search">
+        <form class="m-global-search_content-form"
+              action="https://search.consumerfinance.gov/search"
+              method="get">
+            <input type="hidden"
+                   name="utf8"
+                   value="✓">
+            <input type="hidden"
+                   id="affiliate"
+                   name="affiliate"
+                   value="cfpb">
+            <div class="o-form__input-w-btn">
+               <div class="o-form__input-w-btn_input-container m-form-field">
+                   <div class="a-text-input__full input-contains-label">
+                       <label for="m-global-search_query"
+                              class="input-contains-label_before
+                                     input-contains-label_before__search">
+                            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.112 1.112 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.112 1.112 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.443 4.443 0 0 0 1.68-.327z"/></svg>
+                            <span class="u-visually-hidden">Search</span>
+                       </label>
+                       <input id="m-global-search_query"
+                              name="query"
+                              type="search"
+                              title="Search the CFPB"
+                              class="a-text-input"
+                              value=""
+                              placeholder="Search the CFPB">
+                   </div>
+               </div>
+               <div class="o-form__input-w-btn_btn-container">
+                   <button class="a-btn">Search</button>
+               </div>
+            </div>
+        </form>
+    </div>
+</div>
+<nav class="o-mega-menu
+            u-hidden"
+     data-js-hook="behavior_flyout-menu"
+     aria-label="Main menu">
+    <button class="o-mega-menu_trigger"
+            data-js-hook="behavior_flyout-menu_trigger"
+            aria-haspopup="menu">
+        <span class="o-mega-menu_trigger-open">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg>
+            <span class="u-visually-hidden">
+                Open the main menu
+            </span>
+        </span>
+        <span class="o-mega-menu_trigger-close">
+            <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg>
+            <span class="u-visually-hidden">
+                Close the main menu
+            </span>
+        </span>
+    </button>
+<div class="o-mega-menu_content o-mega-menu_content-1"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-1-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-1-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-1-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-1-list">
+            <ul
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item o-mega-menu_content-item__has-icon o-mega-menu_content-1-item__has-icon"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-1-link" href="/complaint/">
+<div aria-level="2" role="heading">
+<span class="o-mega-menu_content-link-icon-pre o-mega-menu_content-1-link-icon-pre"><svg class="cf-icon-svg cf-icon-svg__complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span>
+        Submit a Complaint
+        </div>
+</a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="#">
+<div aria-level="2" role="heading">
+        Consumer Education
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Consumer Education"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/"
+       >
+        Resources for Yourself
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/educator-tools/"
+       >
+        Resources for Helping Others
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/coronavirus/"
+       >
+        Coronavirus Resources
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics"
+                 class="h5 o-mega-menu_group-heading"
+                 id="money-topics-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/auto-loans/"
+       >
+        Auto Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/bank-accounts/"
+       >
+        Bank Accounts &amp; Services
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-cards/"
+       >
+        Credit Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/credit-reports-and-scores/"
+       >
+        Credit Reports &amp; Scores
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/debt-collection/"
+       >
+        Debt Collection
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/fraud/"
+       >
+        Fraud &amp; Scams
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <div role="heading"
+                 aria-level="3"
+                 aria-label="Money Topics continued"
+                 class="h5 o-mega-menu_group-heading o-mega-menu_group-heading__hidden"
+                 id="money-topics-continued-menu">
+                 Money Topics
+            </div>
+            <ul
+                aria-labelledby="money-topics-continued-menu"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/money-transfers/"
+       >
+        Money Transfers
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/mortgages/"
+       >
+        Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/payday-loans/"
+       >
+        Payday Loans
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/prepaid-cards/"
+       >
+        Prepaid Cards
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/reverse-mortgages/"
+       >
+        Reverse Mortgages
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/consumer-tools/student-loans/"
+       >
+        Student Loans
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+            <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list o-mega-menu_content-list__featured o-mega-menu_content-2-list__featured">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
+                    </div>
+                    <ul aria-label="Featured">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+                                href="/consumer-tools/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg>
+                                <span><span class="a-link_text">Explore guides to help you plan for big financial goals</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+                <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Additional Resources
+                    </div>
+                    <ul aria-label="Additional Resources">
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/complaint/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.112 1.112 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.112 1.112 0 0 1-1.109-1.108V5.286a1.112 1.112 0 0 1 1.108-1.108h10.848a1.112 1.112 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg>
+                                <span class="a-link_text">Submit a Complaint</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/your-story/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.19 3.19 0 0 1 .097 1.464 3.236 3.236 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.905 3.905 0 0 1 .26 12.269a4.433 4.433 0 0 1-.052-.653 5.807 5.807 0 0 1 .027-.74 5.497 5.497 0 0 1 .33-1.388 5.684 5.684 0 0 1 1.498-2.193A6.744 6.744 0 0 1 4.41 5.923q.344-.118.699-.201a1.241 1.241 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.624 5.624 0 0 0-1.356.458 4.567 4.567 0 0 0-1.988 1.812 3.05 3.05 0 0 1 .998-.367 3.092 3.092 0 0 1 3.248 1.552 3.057 3.057 0 0 1 .257.611m8.941.435a3.053 3.053 0 0 1 .038.708 3.185 3.185 0 0 1-1.207 2.265 3.334 3.334 0 0 1-2.609.615 3.375 3.375 0 0 1-2.165-1.35 3.722 3.722 0 0 1-.55-1.085 4.446 4.446 0 0 1-.203-1.224 5.63 5.63 0 0 1 .567-2.656 5.76 5.76 0 0 1 1.598-1.967 6.88 6.88 0 0 1 2.357-1.21 4.863 4.863 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.277 1.277 0 0 1-.542.201 5.487 5.487 0 0 0-1.278.47 4.536 4.536 0 0 0-1.885 1.76 3.051 3.051 0 0 1 1.242-.4 3.098 3.098 0 0 1 3.359 2.631"/></svg>
+                                <span class="a-link_text">Tell Your Story</span>
+                            </a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link a-link__icon" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php">
+<svg class="cf-icon-svg cf-icon-svg__document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg>
+<span class="a-link_text">Order free brochures</span>
+ <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>
+                        </li>
+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
+                            <a class="a-link o-mega-menu_content-link o-mega-menu_content-2-link"
+                            href="/ask-cfpb/">
+                                <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.903 5.903 0 0 1-1.439 3.64 2.874 2.874 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.876 2.876 0 0 0-.584-1A5.903 5.903 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.796 4.796 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.238.238 0 0 1-.078.265 2.669 2.669 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.238.238 0 0 1 .225.16z"/></svg>
+                                <span class="a-link_text">Browse Ask CFPB</span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
+            </div>
+        </div>
+    </div>
+</div>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-1-item"
+    data-js-hook=behavior_flyout-menu>
+    <a aria-haspopup="menu" class="o-mega-menu_content-link o-mega-menu_content-1-link o-mega-menu_content-link__has-children o-mega-menu_content-1-link__has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/">
+<div aria-level="2" role="heading">
+        Rules &amp; Policy
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-closed o-mega-menu_content-1-link-icon-closed"><svg class="cf-icon-svg cf-icon-svg__down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.026 1.026 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.026 1.026 0 0 1-.728.302"></path></svg></span>
+<span class="o-mega-menu_content-link-icon-open o-mega-menu_content-1-link-icon-open"><svg class="cf-icon-svg cf-icon-svg__up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.026 1.026 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span>
+</div>
+</a>
+<div class="o-mega-menu_content o-mega-menu_content-2"
+     role="navigation"
+     data-js-hook="behavior_flyout-menu_content">
+    <button class="o-mega-menu_content-alt-trigger o-mega-menu_content-2-alt-trigger"
+            data-js-hook="behavior_flyout-menu_trigger">
+        <svg xmlns="http://www.w3.org/2000/svg" class="cf-icon-svg cf-icon-svg__left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.026 1.026 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg>
+        Back
+    </button>
+    <div class="o-mega-menu_content-wrapper o-mega-menu_content-2-wrapper">
+        <div class="o-mega-menu_content-overview o-mega-menu_content-2-overview o-mega-menu_content-overview-heading o-mega-menu_content-2-overview-heading">
+            <a class="o-mega-menu_content-overview-link o-mega-menu_content-2-overview-link"
+               href="/rules-policy/">
+                Rules &amp; Policy Overview
+            </a>
+        </div>
+        <div class="o-mega-menu_content-lists o-mega-menu_content-2-lists">
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/final-rules/"
+       >
+        Final Rules
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulations/"
+       >
+        Interactive Regulations
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/rules-under-development/"
+       >
+        Rules Under Development
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/notice-opportunities-comment/"
+       >
+        Notices and Opportunities to Comment
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/regulatory-agenda/"
+       >
+        Regulatory Agenda
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/petitions-rulemaking/"
+       >
+        Petitions for Rulemaking
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Rules & Policy"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/competition-innovation/"
+       >
+        Competition and Innovation
+    </a>
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/rules-policy/advisory-committees/"
+       >
+        Advisory Committees
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
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+<div aria-level="2" role="heading">
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+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                aria-label="Enforcement"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
+        Enforcement by the Numbers
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+                aria-label="Enforcement"
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/warning-letters/"
+       >
+        Warning Letters
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/payments-harmed-consumers/"
+       >
+        Payments to Harmed Consumers
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/enforcement/information-industry-whistleblowers/"
+       >
+        Industry Whistleblowers
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+            </ul>
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+        </div>
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+<div aria-level="2" role="heading">
+        Compliance
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+                Compliance Overview
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+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/compliance-resources/"
+       >
+        Compliance Resources
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/advisory-opinion-program/"
+       >
+        Advisory Opinion Program
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/circulars/"
+       >
+        Consumer Financial Protection Circulars
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervision-examinations/"
+       >
+        Supervision and Examinations
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-highlights/"
+       >
+        Supervisory Highlights
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/supervisory-guidance/"
+       >
+        Supervisory Guidance
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
+        <div class="o-mega-menu_content-list o-mega-menu_content-2-list">
+            <ul
+                aria-label="Compliance"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/registration-and-submission-programs/"
+       >
+        Registration &amp; Submission Programs
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/amicus/"
+       >
+        Amicus Program
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/compliance/consumer-complaint-program/"
+       >
+        Consumer Complaint Program
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+        </div>
+    </div>
+</div>
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+<div aria-level="2" role="heading">
+        Data &amp; Research
+        <span class="o-mega-menu_content-link-icon-post o-mega-menu_content-1-link-icon-post"><svg class="cf-icon-svg cf-icon-svg__right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.025 1.025 0 0 1-.727.302z"></path></svg></span>
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+       >
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-complaints/"
+       >
+        Consumer Complaint Database
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/hmda/"
+       >
+        Mortgage Database (HMDA)
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/small-business-lending/"
+       >
+        Small business lending database
+    </a>
+</li>
+            </ul>
+        </div>
+    </div>
+    <div class="o-mega-menu_content-list-group o-mega-menu_content-2-list-group">
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+            <ul
+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/public-data-inventory/"
+       >
+        Public Data Inventory
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/consumer-credit-trends/"
+       >
+        Consumer Credit Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/mortgage-performance-trends/"
+       >
+        Mortgage Performance Trends
+    </a>
+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/financial-well-being-survey-data/"
+       >
+        Financial Well-Being Survey
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+                aria-label="Data & Research"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/data-research/credit-card-data/"
+       >
+        Credit Card Surveys &amp; Agreements
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+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+       >
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+                    <div role="heading"
+                         aria-level="3"
+                         class="h5 o-mega-menu_group-heading">
+                        Featured
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+                        <li class="o-mega-menu_content-item o-mega-menu_content-2-item o-mega-menu_content-item__has-icon o-mega-menu_content-2-item__has-icon">
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+                                <span><span class="a-link_text">Help advance financial well-being</span></span>
+                            </a>
+                        </li>
+                    </ul>
+                </div>
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+       >
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+       >
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+       href="/about-us/newsroom/?categories=testimony"
+       >
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+       href="/about-us/newsroom/?categories=directors-statement"
+       >
+        Statements
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+        </div>
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+                aria-label="News"
+                >
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/"
+       >
+        Blog
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+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
+    >
+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/blog/?categories=directors-notebook"
+       >
+        Director’s Notebook
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+</li>
+<li class="o-mega-menu_content-item o-mega-menu_content-2-item"
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
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+        Recent Updates
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+    <a class="o-mega-menu_content-link o-mega-menu_content-2-link"
+       href="/about-us/newsroom/?categories=consumer-advisories"
+       >
+        Consumer Advisories
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+            </ul>
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+                <p data-block-key="pclg4">The information you provide will permit the Consumer Financial Protection Bureau (CFPB) to process your request and send you information about the CFPB, its work, and other information related to financial education, regulation, and enforcement.</p><p data-block-key="vstum">The Bureau may collect personally identifiable information (PII) such as email address, name, and mobile telephone numbers, along with other basic contact information.</p><p data-block-key="ytxl7">Information collected by the CFPB is treated in accordance with the System of Records Notice (SORN) <a href="/privacy/system-records-notices/correspondence-tracking-database/">CFPB.011 CFPB Correspondence Tracking Database</a>. Although the Bureau does not anticipate further disclosing the information provided, it may be disclosed as indicated in the Routine Uses described in the SORN.</p><p data-block-key="gvpxk">This collection of information is authorized by Pub. L. No. 111-203, Title X, Sections 1011, 1012, 1013, codified at 12 U.S.C. §§ 5491, 5492, 5493.</p><p data-block-key="z2tfo">You are voluntarily providing this information to the CFPB and may withdraw your subscription at any time. However, if you do not provide the information, we may not be able to process your request.</p>
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+<svg class="cf-icon-svg cf-icon-svg__facebook-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.665h15.834zm-2.885-7.887a5.032 5.032 0 1 0-5.818 4.971v-3.516H5.936V9.613h1.278V8.505a1.776 1.776 0 0 1 1.9-1.958 7.738 7.738 0 0 1 1.127.098v1.239h-.635a.727.727 0 0 0-.82.785v.944h1.396l-.223 1.455H8.786v3.516a5.033 5.033 0 0 0 4.246-4.97z"></path></svg>
+</a>
+                </li>
+                <li class="m-list_item">
+                    <a aria-label="Visit us on Twitter" class="m-social-media_icon" data-pretty-href="https://twitter.com/CFPB" href="/external-site/?ext_url=https%3A%2F%2Ftwitter.com%2FCFPB&amp;signature=2v_Kj1FtlY2ztSvBVUEZAzTb4Mrz1xDgzU7E4914qyo">
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+                <li class="m-list_item">
+                    <a aria-label="Visit us on LinkedIn" class="m-social-media_icon" data-pretty-href="https://www.linkedin.com/company/consumer-financial-protection-bureau" href="/external-site/?ext_url=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Fconsumer-financial-protection-bureau&amp;signature=cz77eS0N43ZshZvOXukyBB85_qSkkDBs7o0q5Ikf5m0">
+<svg class="cf-icon-svg cf-icon-svg__linkedin-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.666h15.834zM5.77 6.427a.96.96 0 0 0-1.032-.96.962.962 0 1 0-.025 1.92h.013a.963.963 0 0 0 1.044-.96m-.123 1.719H3.803v5.552h1.845zm6.658 2.368c0-1.705-.91-2.5-2.125-2.5a1.832 1.832 0 0 0-1.663.917v-.786H6.67c.025.52 0 5.554 0 5.554h1.848v-3.102a1.264 1.264 0 0 1 .06-.45 1.011 1.011 0 0 1 .946-.676c.67 0 .936.51.936 1.256V13.7h1.846zm-3.8-1.564.013-.019v.019z"></path></svg>
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+</a>
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+                <li class="m-list_item">
+                    <a aria-label="Visit us on Flickr" class="m-social-media_icon" data-pretty-href="https://www.flickr.com/photos/cfpbphotos" href="/external-site/?ext_url=https%3A%2F%2Fwww.flickr.com%2Fphotos%2Fcfpbphotos&amp;signature=GbqC6nvI0a2NHWTQqKaK2EOdJBMbQ9D6sv7J1TXR1oI">
+<svg class="cf-icon-svg cf-icon-svg__flickr-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 1.666v15.833H.083V1.666zM7.342 9.583a2.588 2.588 0 1 0-2.589 2.588 2.589 2.589 0 0 0 2.588-2.588zm6.491 0a2.587 2.587 0 1 0-2.588 2.588 2.588 2.588 0 0 0 2.588-2.588"></path></svg>
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+        <div class="o-footer-middle-left">
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+                            Privacy
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+                        <a class="m-list_link" href="/data/">
+                            Data
+                        </a>
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+                        <a class="m-list_link" href="/open-government/">
+                            Open Government
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/open-government/information-quality-guidelines/">
+                            Information Quality Guidelines
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+            <div class="o-footer_col">
+                <ul class="o-footer_list m-list">
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/about-us/diversity-and-inclusion/">
+                            Diversity & Inclusion
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/administrative-adjudication-proceedings/">
+                            Administrative Adjudication
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/plain-writing/">
+                            Plain Writing
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/accessibility/">
+                            Accessibility
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+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/office-civil-rights/">
+                            Office of Civil Rights
+                        </a>
+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/office-civil-rights/no-fear-act-cummings-act/">
+                            No FEAR Act &amp; Cummings Act
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+                    </li>
+                    <li class="m-list_item">
+                        <a class="m-list_link" href="/tribal/">
+                            Tribal
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+        <div class="o-footer-middle-right">
+                <ul class="o-footer_list m-list">
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+     aria-label="Official website of the United States government">
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diff --git a/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html b/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html
index 596493cc661a..eae7bbf4c2a3 100644
--- a/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html
+++ b/www.consumerfinance.gov/rules-policy/regulatory-agenda/index.html
@@ -1230,7 +1230,7 @@ <h3 data-block-key="t6b1f">Fall 2023</h3><p data-block-key="9t7uu"><a class="a-l
    <div class="block block__flush-top">
 <div class="o-full-width-text-group">
             <div class="m-full-width-text">
-                <h2 data-block-key="wlni3">Regulatory agenda archive</h2><h3 data-block-key="fn3pk">Spring 2023</h3><p data-block-key="807h5"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202304/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="e6422"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST¤tPub=true&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170&amp;csrf_token=F8BB2C73B840A37F222AA27BA03970D8556E7783E3ADB006E4DA738D09CB591459D49E73990ECCA733D87C3B4C64D61EE113"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="76mvt"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202304&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="bm02f">Fall 2022</h3><p data-block-key="hb6v"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202210/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="bk3pd"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202210&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="7gt4j"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202210&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="811rm">Spring 2022</h3><p data-block-key="clno5"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202204/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="fpr1j"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202204&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="9d1sj"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202204&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="d4uup">Fall 2021</h3><p data-block-key="34bvj"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202110/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="6opca"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </p><p data-block-key="76v02"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="c35p1"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><h3 data-block-key="e30k3">Spring 2021</h3><p data-block-key="8876h"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202104/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="2auf0"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </p><p data-block-key="89kq0"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="u4n9"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><h3 data-block-key="5p0ix">Fall 2020</h3><ul><li data-block-key="xhxlf"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202010/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="bu0kv"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</li><li data-block-key="n2cuq"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – Initiatives that the CFPB is planning to work on beyond Spring 2021.</li><li data-block-key="le3je"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</li></ul><h3 data-block-key="m44us">Spring 2020</h3><ul><li data-block-key="8be2a"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202004/Preamble_3170_CFPB.pdf"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="e1p0l"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPub=true&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="wrdoo"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="do81m"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="jmz15">Fall 2019</h3><ul><li data-block-key="hhfto"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201910/Preamble_3170_CFPB.pdf"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="fkkjk"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="kjbex"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2da8w"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="x3hpq">Spring 2019</h3><ul><li data-block-key="7k7hd"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201904/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ju0op"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="fq9oe"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2lk7m"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="5bs2q">Fall 2018</h3><ul><li data-block-key="bi6ir"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201810/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="uyx30"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li><li data-block-key="wuz9z"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li><li data-block-key="d8pc4"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li></ul><h3 data-block-key="i4v70">Spring 2018</h3><ul><li data-block-key="yrhvb"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201804/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="5vkcz"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="raxg6"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="xts2h"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="29xhp">Fall 2017</h3><ul><li data-block-key="4mdcr"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201710/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="9csxy"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ofmis"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="wyrwe"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="yvzi6">Spring 2017</h3><ul><li data-block-key="t9m23"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201704/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="1iha4"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ual3l"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="o5v3z"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="e1ikx">Fall 2016</h3><ul><li data-block-key="vqpel"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201610/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="do5ln"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="g0bgp"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2glap"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="4oom8">Spring 2016</h3><ul><li data-block-key="b6gtp"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201604/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="7kg8a"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="qc28e"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="vvkqk"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="q8w2j">Fall 2015</h3><ul><li data-block-key="oxozs"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201510/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="abnls"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201510/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="dl8tb"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="n55vz"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="yp4io"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="5jlnn">Spring 2015</h3><ul><li data-block-key="7kyz6"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201504/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="u8op4"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="7ldlz"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="t7ji7"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="69ym1">Fall 2014</h3><ul><li data-block-key="uyi1y"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201410/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="b410n"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201410/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="i6zfw"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="aih9l"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="vyge5"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="gt8zh">Spring 2014</h3><ul><li data-block-key="4srak"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201404/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ceavn"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="36l9h"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="yj3l9"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="0u87a">Fall 2013</h3><ul><li data-block-key="13bjr"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201310/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="x315h"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201310/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="dboai"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="tmhdf"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="tc1v3"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="jtdr9">Spring 2013</h3><ul><li data-block-key="zf43t"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201304/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="j465g"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ry5r9"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="imsli"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="043g2">Fall 2012</h3><ul><li data-block-key="cbofi"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201210/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="s2o04"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201210/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="upfed"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201210&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="vliz4">Spring 2012</h3><ul><li data-block-key="lml4e"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201204_cfpb_semiannual-regulatory-agenda_2012-spring.pdf"><span class="a-link_text">Full agenda</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li></ul><h3 data-block-key="sr6d3">Fall 2011</h3><ul><li data-block-key="zt38q"><a href="/rules-policy/regulatory-agenda/fall-2011-semiannual-regulatory-agenda-and-regulatory-plan/">Preamble to the agenda</a></li><li data-block-key="rprz9"><a href="/rules-policy/regulatory-agenda/fall-2011-statement-regulatory-priorities/">Statement of regulatory priorities</a></li></ul>
+                <h2 data-block-key="wlni3">Regulatory agenda archive</h2><h3 data-block-key="fn3pk">Spring 2023</h3><p data-block-key="807h5"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202304/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="e6422"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST¤tPub=true&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170&amp;csrf_token=9FCAD02A73BF920694D269D8C73DA091846040BA76B92B445EF1504907DE294473D6E72833CC5F551621B436C87AB8B0E721"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="76mvt"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202304&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="bm02f">Fall 2022</h3><p data-block-key="hb6v"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202210/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="bk3pd"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202210&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="7gt4j"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202210&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="811rm">Spring 2022</h3><p data-block-key="clno5"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202204/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="fpr1j"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202204&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</p><p data-block-key="9d1sj"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202204&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</p><h3 data-block-key="d4uup">Fall 2021</h3><p data-block-key="34bvj"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202110/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="6opca"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </p><p data-block-key="76v02"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="c35p1"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202110&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><h3 data-block-key="e30k3">Spring 2021</h3><p data-block-key="8876h"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202104/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="2auf0"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </p><p data-block-key="89kq0"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><p data-block-key="u4n9"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202104&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></p><h3 data-block-key="5p0ix">Fall 2020</h3><ul><li data-block-key="xhxlf"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202010/Preamble_3170_CFPB.pdf"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="bu0kv"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;agencyCode=&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB’s active rulemaking plans (includes pre-rule, proposed rule, and final rule activities).</li><li data-block-key="n2cuq"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – Initiatives that the CFPB is planning to work on beyond Spring 2021.</li><li data-block-key="le3je"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> – CFPB rulemakings that have been completed in approximately the last six months.</li></ul><h3 data-block-key="m44us">Spring 2020</h3><ul><li data-block-key="8be2a"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/202004/Preamble_3170_CFPB.pdf"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="e1p0l"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPub=true&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="wrdoo"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="do81m"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=202004&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="jmz15">Fall 2019</h3><ul><li data-block-key="hhfto"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201910/Preamble_3170_CFPB.pdf"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="fkkjk"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="kjbex"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2da8w"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201910&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="x3hpq">Spring 2019</h3><ul><li data-block-key="7k7hd"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201904/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ju0op"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="fq9oe"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2lk7m"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201904&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="5bs2q">Fall 2018</h3><ul><li data-block-key="bi6ir"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201810/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="uyx30"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li><li data-block-key="wuz9z"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li><li data-block-key="d8pc4"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201810&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li></ul><h3 data-block-key="i4v70">Spring 2018</h3><ul><li data-block-key="yrhvb"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201804/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="5vkcz"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="raxg6"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="xts2h"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201804&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="29xhp">Fall 2017</h3><ul><li data-block-key="4mdcr"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201710/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="9csxy"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ofmis"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="wyrwe"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201710&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="yvzi6">Spring 2017</h3><ul><li data-block-key="t9m23"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201704/Preamble_3170.html"><span class="a-link_text">Preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="1iha4"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ual3l"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="o5v3z"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201704&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="e1ikx">Fall 2016</h3><ul><li data-block-key="vqpel"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201610/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="do5ln"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="g0bgp"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="2glap"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201610&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="4oom8">Spring 2016</h3><ul><li data-block-key="b6gtp"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201604/Preamble_3170.html"><span class="a-link_text">Agenda preamble</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="7kg8a"><a class="a-link a-link__icon" href="https://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="qc28e"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long-term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="vvkqk"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201604&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="q8w2j">Fall 2015</h3><ul><li data-block-key="oxozs"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201510/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="abnls"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201510/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="dl8tb"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="n55vz"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="yp4io"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201510&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="5jlnn">Spring 2015</h3><ul><li data-block-key="7kyz6"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201504/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="u8op4"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="7ldlz"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="t7ji7"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201504&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="69ym1">Fall 2014</h3><ul><li data-block-key="uyi1y"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201410/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="b410n"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201410/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="i6zfw"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="aih9l"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="vyge5"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201410&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="gt8zh">Spring 2014</h3><ul><li data-block-key="4srak"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201404/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ceavn"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="36l9h"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="yj3l9"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201404&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="0u87a">Fall 2013</h3><ul><li data-block-key="13bjr"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201310/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="x315h"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201310/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="dboai"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="tmhdf"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="tc1v3"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201310&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="jtdr9">Spring 2013</h3><ul><li data-block-key="zf43t"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201304/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="j465g"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="ry5r9"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=longterm&amp;agencyCd=3170"><span class="a-link_text">Long term actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="imsli"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201304&amp;showStage=completed&amp;agencyCd=3170"><span class="a-link_text">Completed actions</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="043g2">Fall 2012</h3><ul><li data-block-key="cbofi"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201210/Preamble_3170.html"><span class="a-link_text">Preamble to the agenda</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="s2o04"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/jsp/eAgenda/StaticContent/201210/Statement_3170.html"><span class="a-link_text">Statement of regulatory priorities</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li><li data-block-key="upfed"><a class="a-link a-link__icon" href="http://www.reginfo.gov/public/do/eAgendaMain?operation=OPERATION_GET_AGENCY_RULE_LIST&amp;currentPubId=201210&amp;showStage=active&amp;agencyCd=3170"><span class="a-link_text">Agency rule list</span> <svg class="cf-icon-svg cf-icon-svg__external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.65 1.65 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.654 1.654 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a></li></ul><h3 data-block-key="vliz4">Spring 2012</h3><ul><li data-block-key="lml4e"><a class="a-link a-link__icon" href="https://files.consumerfinance.gov/f/201204_cfpb_semiannual-regulatory-agenda_2012-spring.pdf"><span class="a-link_text">Full agenda</span> <svg class="cf-icon-svg cf-icon-svg__download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li></ul><h3 data-block-key="sr6d3">Fall 2011</h3><ul><li data-block-key="zt38q"><a href="/rules-policy/regulatory-agenda/fall-2011-semiannual-regulatory-agenda-and-regulatory-plan/">Preamble to the agenda</a></li><li data-block-key="rprz9"><a href="/rules-policy/regulatory-agenda/fall-2011-statement-regulatory-priorities/">Statement of regulatory priorities</a></li></ul>
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