Consumer Education and Outreach
PACE programs provide a unique type of financing that allows homeowners to finance energy efficient, water saving and other environmentally beneficial improvements through their property taxes. But financing home improvements through PACE programs can involve risks.
As the California Department of Financial Protection and Innovation, we’re committed to protecting consumers by regulating financial services and products, & fostering innovation. Formerly the Department of Business Oversight (DBO).
About Education and Outreach
The Department of Financial Protection and Innovation (DFPI) provides a variety of information and resources with a goal providing consumers, like you, with tools essential to make smart financial decisions. Our educational publications and materials are designed to educate you about various financial products and services as well as alert you to current and emerging financial scams. For more information or questions, please feel free to contact us at Outreach@dfpi.ca.gov.
DFPI Education and Outreach Events calendar
Information to protect seniors
Seniors Against Investment Fraud (SAIF)
The Department of Financial Protection and Innovation’s (DFPI) Seniors Against Investment Fraud (SAIF) program, established in July 2001, alerts and educates Californians over the age of 50 about financial and investment fraud, common scams, and unscrupulous sales practices that specifically target seniors. SAIF exists because seniors are prime targets for financial fraud and scams. The goal of the SAIF program is to empower seniors to make informed decisions about investments and finances. The SAIF message is disseminated through seminars and presentations at senior centers and other locations where seniors gather. For more information about our events, see our Events Calendar.
Please contact us or call 1-866-275-2677 for information about scheduling a SAIF presentation in your area. To order our education publications, email us at firstname.lastname@example.org.
Reporting Elder Financial Abuse
If you want to report elder financial abuse, contact your local county APS Office. Abuse reports may also be made to you local law enforcement agency.
The following forms are to assist you in filing your report of suspected dependent adult or elder abuse. If you are employed by a financial institution, please complete form SOC 342. All other persons should complete form SOC 341.
Adult Protective Services – Information from the California Department of Social Services
Annuities – It’s Your Choice Video (California Department of Insurance)
Attorney General’s Citizen’s Guide to Preventing & Reporting Elder Abuse – Available in English, Spanish, Chinese
Citizen’s Guide to Reverse Mortgages: Is One Right For You? (PDF) (California Bureau of Real Estate)
Citizen’s Guide to Preventing and Reporting Elder Abuse (PDF) (California Department of Justice)
Protect the Elderly from Financial Exploitation by the American Bankers Association
Safe Banking for Seniors (ABA)
Securities Helpline for Seniors (FINRA)
ServeOurSenior.org (NASAA) – Tools for senior investors
Information for military service members
Servicemembers Civil Relief Act
The Servicemembers Civil Relief Act (SCRA) is a federal statute that allows military members to suspend or postpone some civil obligations so that military members can devote their full attention to their duties. The SCRA is designed to protect active duty military members, as well as reservists and National Guardsmen, who are in active federal service. Some of the benefits under the SCRA may also extend to dependents of active duty military members.
Military Lending Act
The Military Lending Act (MLA), enacted in 2006 and implemented by the Department of Defense, protects the financial interests of active duty military and their families in certain credit transactions. The MLA limits the amount a creditor may charge, including interest and fees, for payday loans, auto title loans, tax refund anticipation loans, credit cards (starting in October 2017), and certain other credit products. For more information, see the MLA-related links below.
Information for First-Time Homebuyers from the California Housing Finance Agency (CalHFA)
CalHFA understands buying your first home is both a huge responsibility and a huge opportunity. Of course, before you leap into home-ownership, you should get prepared first. To prepare and get the most out of CalHFA’s loan programs and assistance, follow these easy steps.
Contact CalHFA: 1-877-9-CalHFA
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Key Consumer Links
Approved by Kue Lee 11/2019