which oversees the insurance funds that back deposits in banks and thrifts, and the National Credit Union Share Insurance Fund, which protects credit union depositors. These depositors can rest assured that deposit insurance is in full force.
12. I am no longer working and don’t have the income to live on and meet my payments. If I miss some loan payments, how will this affect my credit? Will I be charged late fees?
Regulators are telling banks to be understanding during this time of crisis. They have asked banks to work with customers hit hardest by the disaster. Banks are being encouraged to allow some loan payments to be skipped without it counting against credit histories, extend the terms of loans, and to restructure loans to take into account new sets of circumstances. Before skipping payments or changing the terms of the loan, contact your bank. FDIC is encouraging banks to be flexible in this time of crisis, including fees.
13. I need longer term financing until insurance checks come in and I can find another job. Will banks help?
We understand that not all banks provide short term, unsecured loans, but regulators have encouraged banks to consider making loans on a short-term basis to help consumers. We have promised banks waivers of certain rules governing this area.
14. Where can I find a list of banks that are working with displaced people?
The FDIC is attempting to keep such a list of banks. Here is the link to the most up-to-date list we have available:
www.fdic.gov/news
15. Who can I contact for more information?
The FDIC usually sets up a hotline number at the time of a crisis which operates 24 hours a day, 7 days a week. Please watch for announcements or call the ACBA hot line.
16. Who should I call about tax information?
People affected by a disaster who need help with tax matters should call the Internal Revenue Service local office or check
www.irs.gov.
17. I am worried about ID theft since my home was severely damaged during the storm or I am not sure where my belongings are at the moment.
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