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As a consumer, it pays to be smart when choosing and using a credit card. This site--maintained by the Federal Reserve Board, whose goal is to protect the credit rights of consumers--provides a basic guide to navigating the credit card process.

The DeluxeCard® Visa® Gift Card comes in a variety of designs for any occasion. Use it everywhere Visa debit cards are accepted worldwide. Buy a gift card today!.

E-reporting is an internet method of reporting crimes that have no active leads and do not require a police officer to respond.

Equifax Credit Information Services
PO Box 105873
Atlanta, GA 30348
Phone: 800-685-1111
Experian National Consumer Assistance Center
PO Box 949
Allen, TX 75013-0949
Phone: 800-392-1122

Winter 2010 Edition

The Financial Fraud Enforcement Task Force launched on April 16 an online resource informing consumers how to protect themselves from financial fraud. Financial fraud encompasses a wide range of illegal behavior—from mortgage scams to Ponzi schemes, credit card theft to tax fraud. StopFraud.gov also features access to the latest announcements, press releases, speeches and information regarding the Financial Fraud Enforcement Task Force.

Starting December 1, 2004 the Fair Credit Reporting Act allows you to get one free comprehensive disclosure of all of the information in your credit file from each of the three major credit bureaus once per year through a central source.

The Financial Crimes Enforcement Network lists the resources it provides to educate consumers and banks about financial fraud and scams. The resources include information and warnings on fraud involving mortgages, foreclosure rescues and insurance products; multilingual outreach materials for money services businesses and their customers; financial scam alerts; and a list of federal resources for financial crime victims.

Convenience has a new name: MoneyPass The coast-to-coast, surcharge-free ATM network. Visit moneypass.com to find ATM locations nearest you.
The Northland Foundation addresses economic, social, and human needs in a seven-county area of Northeastern Minnesota.
The Northspan Group is a non-profit organization dedicated to the development and diversification of the economy in the Upper Midwest.

As more and more people use online channels for their banking and financial services, the increasing usage by legitimate customers has created new expanded opportunities for the criminal element and cyber-crime.

Minnesota Bankers Association and several other businesses are part of a partnership called The Minnesota Fraud Enforcement Partnership. This partnership was spearheaded by the Minnesota Department of Public Safety Alcohol & Gambling Enforcement Division (AGED) in an effort to help reduce lottery and sweepstakes frauds.

There are several ways to report a scam to MnScams:

1. Forward emails that claim you have won a prize/ask you to send money to report@mnscams.org

2. Call toll free 1-866-347-0911

3. Go online to www.MnScams.org and fill out the fraud complaint form

4. Mail paper documents to Alcohol & Gambling Enforcement, Anti-Fraud Unit, 444 Cedar Street, Suite 133, St. Paul, MN 55101-5133

Trans Union Corporation National Disclosure Center
PO Box 390
Springfield, PA 19064
Phone: 800-851-2674