Department of Commerce and Consumer Affairs

1/15/13 ...
Read More Banks, Escrow Companies, Money Transmitters, Mortgage Loan Originators, Mortgage Servicers The Division of Financial Institutions ensures the safety and soundness of state-chartered and state-licensed financial institutions, and ensures regulatory compliance by financial institutions, escrow depositories, money transmitters, mortgage servicers, mortgage loan originators and mortgage loan originator companies required to be licensed, by fairly administering applicable statutes and rules, in order to protect the ...
Read More Banks, Escrow Companies, Money Transmitters, Mortgage Loan Originators, Mortgage Servicers

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Read More Loans Most financial institutions will approve or deny loan applications on the basis of information they receive from national and local credit reporting agencies. These CRA’s, as they are commonly known, gather and sell data that show how consistently you’ve paid your bills, whether you have any judgements against you, and whether you’ve filed for ...
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3/15/13 ...
Read More Credit Cards Before applying for a credit card or accepting an offer of one, learn what credit terms and conditions apply. A credit card usually involves a charge for the convenience of borrowing, plus other costs. Consider the following when you shop for a credit card. The ANNUAL PERCENTAGE RATE is expressed as a yearly ...
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Read More Credit Tips When borrowing money or applying for credit, it’s important to comparison shop first by getting full information on the credit and lease terms of different lenders. The Truth In Lending Act prohibits “bait and switch” tactics in advertising consumer credit and leases. No advertisement may state that a specific amount of credit or a ...
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1/15/13 ...
Read More Travel Agencies Vacations should be relaxing. Worrying about tickets, time and money isn’t. No matter where you’re headed to, it’s a good idea to plan ahead. Like knowing exactly where you want to go, what you want to do once you get there, and, maybe most importantly, how much you want to spend. Late changes ...
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1/15/13 ...
Read More Tips on Hiring a Roofing Contractor Protecting yourself from rain, wind and severe weather is an absolute must. The first step to making sure you get a good roof over your head is to hire a licensed contractor. Licensed roofing contractors have the experience and training to get the job done right. Licensed contractors carry liability insurance in case ...
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Read More Building & Repairs When it comes to building and repairs, you should always consider hiring a licensed professional to do the work. Licensed contractors, electricians and plumbers have the experience and training to get the job done. Licensed contractors are required to carry liability insurance in case anything happens on a jobsite, and are responsible for any ...
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6/18/12 ...
Read More What Do You Do If Your Identity is Stolen Here’s what to do if your identity is stolen: Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts.As soon as ...
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Read More Tips to Protect Yourself Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission, to commit fraud or other crimes. Here are ten ways to protect yourself from identity theft. Guard your personal information such as Social Security Card, Birth Certificate, Passport, ...
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Read More What Should I Do If I have a Landlord/Tenant Problem? If you have a residential landlord/tenant problem, there are a number of things you can do: Call the Landlord/Tenant Information Center at 586-2634. Center staff can provide you with information about Hawaii’s Residential Landlord/Tenant Code. The Landlord/Tenant Information Center operates from 8:00 a.m. to 12:00 noon, Mondays thru Fridays, except on state holidays. Get ...
Read More What Should I Do If I have a Landlord/Tenant Problem?