The FTC's click-to-cancel rule was struck down in 2025 and still hasn't come back — which is why quitting some subscriptions still means picking up the phone.

The U.S. Mint struck its last circulating penny in November. Now state legislatures are racing to write the rounding rules cash registers will actually use.

Regulation CC doesn't let banks hold your money as long as they want, it caps how long they can. Here's the real day-by-day schedule, the six exceptions that extend it, and the outer limit federal law allows.

Most homeowners never file a title insurance claim. For the few who do, it can be the only thing standing between them and a multi-year lawsuit to reclaim a forged deed.

Miss an insurance payment and a mortgage servicer can buy its own policy and add the bill straight to your mortgage, coverage that protects the lender, not you.

The CARD Act gives every gift card a five-year floor. What happens after that depends on which state you're standing in.

Roughly half of FSA holders forfeit money every year, while HSA balances never expire. The difference traces back to a single line in the federal tax code.

War risk premiums for Hormuz tankers have jumped 40-fold since February, so Washington is now backstopping up to $40 billion in oil and LNG shipping insurance itself.

A single word in your benefits packet decides whether your employer's 401(k) match is actually yours. Here's how cliff and graded vesting differ, and what leaving early costs.

The federal government's new Repayment Assistance Plan went live July 1. Here's what the payment formulas actually mean for three different borrowers' monthly budgets.

The charge shows up Tuesday morning, vanishes by Tuesday night, and reappears Wednesday looking brand new. Nobody touched the account in between.

A gas station can hold up to $175 on your card before you've filled the tank. A hotel can hold $200 a night before you've ordered room service. Here's why the placeholder outlasts the receipt.

Skipping a loan payment through your credit union's seasonal program won't hurt your credit score. It will extend your loan and add interest you won't see until later.

Klarna and Afterpay typically run a soft credit check that doesn't touch your score. Affirm's longer installment loans and PayPal Credit run a hard one. The difference determines whether your BNPL habit shows up elsewhere.

A federal court vacated the FTC's click-to-cancel rule in 2025. Since then, Connecticut, New York City and half a dozen other states have passed their own versions.

Millions of Americans use buy now, pay later loans that have never touched a credit report. That's ending this fall, and regulators are already asking hard questions.

The FTC banned hidden fees on tickets and hotels last year. Everywhere else, from restaurants to airlines, the same trick is still perfectly legal.

A federal rule now bans hiding mandatory fees until checkout for tickets and hotels. Here's what's covered, what's exempt, and how to tell it's working.

One word means you get less. The other means you get worse. A candy heir's public fight with Hershey just made the difference impossible to miss.

A federal judge voided the CFPB's $8 late-fee cap last year. This month, without much explanation, the agency reopened the file.