Welcome to Empowering Reentrants to be Informed Consumers

1. Welcome to Empowering Reentrants to be Informed Consumers Federal Trade Commission July 21, 2016 To hear the conversation, please call (800) 260-0719 and enter the passcode: 396327

2. Welcome and Overview Lisa Lake Consumer Education Specialist Division of Consumer and Business Education llake@ftc.gov

3. About the FTC • FTC is an independent law enforcement agency • Broad jurisdiction over fraud and deceptive practices • Part of our mission: • Consumer and business education • Take consumer complaints • Partnerships are key – we depend on our partners to share these messages and gather complaints

4. How the FTC can help your programs • Information about scams and fraud • Subscriptions to scam alerts, blog posts, newsletter • Free materials • Bulkorder site, downloadable materials • Partnership opportunities for consumer protection and other events • National Consumer Protection Week (NCPW.gov) • Common Ground, Legal Services and other local/regional partnerships

5. FTC.gov/reentry

6. Sites to remember • FTC.gov/reentry • FTC.gov/bulkorder • Consumer.ftc.gov • FTC.gov/subscribe • FTC.gov/complaint

7. Consumer.gov Jennifer Leach Assistant Director Division of Consumer and Business Education jleach@ftc.gov

8. Consumer.gov • Consumer protection basics, plain and simple • Just what you need to know • Streamlined messages • Action-oriented

9. Consumer.gov

10. Consumer.gov

11. How to use consumer.gov • Link to it • Cut & paste into newsletters, websites • Listen to audio/watch videos • Use lesson plans • Use short presentations • Create programs • Order free printed materials

13. IdentityTheft.govRecovering from identity theft is easier with a plan. Lisa Schifferle Attorney Division of Consumer and Business Education lschifferle@ftc.gov

23. Background Checks Lisa Schifferle Attorney Division of Consumer and Business Education lschifferle@ftc.gov

24. Background ChecksTips for Job Applicants and Employees • Available for free, in bulk, in English & Spanish, at ftc.gov/bulkorder

25. What’s inside? • When an employer can conduct a background check • What they can ask • What steps employers must take before they use a background check • What to do if an employer finds something negative

26. Can employers require a background check? YES, but … • Can’t ask about medical info until after job offer • Can’t ask for genetic info, except in limited circumstances • Can’t treat you differently because of race, national origin, color, sex, religion, disability, genetic information or age (if you’re >40).

27. Before the background check • An employer must provide stand-alone written notice to the applicant; and • Obtain the applicant’s written consent • Note: The applicant is not required to consent but if he doesn’t, then he may not get the job.

28. Before denying employment based on background check • Pre-adverse action notice • Employer who thinks it might take an adverse action based on background check, employer must: • Give copy of report • Give copy of FCRA Summary of Rights

29. When denying employment • Adverse action notice • Employer must • give contact info for CRA that provided report & statement that CRA didn’t take the action • Give notice of right to dispute accuracy & completeness • Give notice of right to obtain another free copy of report within 60 days

30. Reaching Spanish Speakers Cristina Miranda Consumer Education Specialist Division of Consumer and Business Education cmiranda@ftc.gov

31. Main site for educating and informing people how to detect, avoid and report fraud and scams. More than 200 bilingual articles: • Money and credit • Buying and owning a home • Mortgages • Jobs and making money • Privacy and identity theft Consumidor.ftc.gov (Spanish)Consumer.ftc.gov (English)

32. One of our signature education campaigns. Won the first Spanish Grand ClearMark Award from the Center for Plain Language for best consumer-directed writing from government, private, and non-profit organizations. - 6 brochures - Based on real consumer complaints - Targeting Spanish-speaking Latinos FotonovelasFtc.gov/fotonovelas

33. Available online in English, and online and in print in Spanish. FotonovelasFtc.gov/fotonovelas

34. Order as many quantities as you’d like at: Ftc.gov/ordenar Ftc.gov/bulkorder FotonovelasFtc.gov/fotonovelas

35. Feature page dedicated to helping avoid scams against immigrants. -Video tip -Audio tip - Printed materials Important information on getting the right help, asking the right questions, and avoiding diversity visa lottery scams. ftc.gov/inmigracionftc.gov/immigration

36. A signature education campaign for older people. English and Spanish. Articles, presentations, videos and activities available to download and use for free. Ftc.gov/PasaloFtc.gov/PassItOn

37. Recovering from identity theft is easier with a plan. So if someone has stolen your identity, or you’ve gotten a notice about a data breach, visit the FTC’s new site at IdentityTheft.gov for help. IdentityTheft.govis the federal government’s one-stop resource to help you report and recover from identity theft. Available in Spanish. RobodeIdentidad.govIdentityTheft.gov

38. National Consumer Protection Week (NCPW) is a coordinated campaign that encourages consumers nationwide to take full advantage of their consumer rights and make better-informed decisions. Offers consumers a wealth of tips and information from federal and state government and non-profit partner organizations. Download and print NCPW materials and share them with friends and neighbors, or order materials from select partners if you're planning a larger event such as a conference or workshop. Ncpw.govProtecciondelconsumidor.gov

39. Report Fraud to the FTCHelp Us Help You Michael Waller Attorney Division of Enforcement rwaller@ftc.gov

40. How do we use your report? • Law Enforcement • Education • Outreach

41. Reporting in action Example: Reports about one $30 scam led to several lawsuits and the discovery of a illegal network of scammers. Ideal Financial Solutions, Inc. LeapLab Sequoia One

42. Reporting Fraud to the FTC www.ftc.gov/complaint 877-FTC-HELP FTC.gov/queja (Spanish)

43. Questions?