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ACCESS Guard My Credit File News
Tapping 401(k)s for Home Down Payments Could Reshape the Path to Homeownership
Federal Issues

January 18, 2026 - A new housing proposal backed by President Donald Trump would allow Americans to use their 401(k) retirement savings to help purchase a home without facing early withdrawal penalties. The plan, expected to be unveiled in Davos later this month, has already stirred debate among financial experts, real estate professionals, and policymakers.

Read more...
 
AI: A Double-Edged Sword in the Fight Against Identity Theft and Fraud
How to Protect Yourself

January 14, 2025 - Artificial intelligence is reshaping the fight against identity fraud in the United States, but it's also fueling a disturbing rise in sophisticated scams. As AI tools become more powerful and accessible, both criminals and corporations are using them - but for very different ends.

Read more...
 
One Nation but Two Very Different Tales with Regard to Fuel Prices
State Issues

January 12, 2026 - In much of the United States, gas prices have quietly slid back to levels not seen since before the pandemic. Nationally, the average cost of a gallon of regular gasoline is hovering around $2.80, and in some places, it's fallen even further.

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Happy New Year! Here's the Good News: New Tax Breaks You Can Use
Federal Issues
 
January 8, 2026 - As we ring in 2026, there's something extra to celebrate besides the turning of the calendar: a sweeping new package of tax breaks designed to put more money back in your pocket. Whether you're a restaurant server, a nurse pulling overtime, a senior on a fixed income, or just someone trying to make ends meet, the new provisions in the One Big Beautiful Bill (BBB) could bring real savings when you file your taxes this year.
 
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New Year, New Rules: What New Privacy Laws Mean for Your Wallet and Your Identity
State Issues

December 31, 2025 - As the calendar flips to 2026, a wave of new state and federal privacy laws is changing the way your personal data is collected, sold, and protected - with direct consequences for your finances, your risk of identity theft, and even the ads that follow you online.

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Discord Data Breach Exposes Sensitive User Information in Third‑Party Hack
In The News

December 30, 2025 - Discord, a popular chat app used by about 150 million people every month, has confirmed a data breach that exposed personal information from thousands of users. The breach happened not through Discord’s own servers, but through a third party company that helps handle customer support. The hackers were able to access messages between users and support agents, usernames, email addresses, IP addresses, and in some cases, images of government-issued IDs.

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The FBI Is Fighting to Stop Bank Account Takeover Fraud - What It Means for Your Money
Fraud Alerts

December 28, 2025 - In recent weeks, federal law enforcement has taken some striking action to stop a growing threat: bank account takeover fraud. This is a type of cybercrime where criminals steal your online banking login details and then use them to drain your money. The FBI and the U.S. Department of Justice (DOJ) are not just warning the public - they are actively disrupting the criminal systems that make these scams possible.

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Scrooge States: When Federal Tax Relief Stops at the State Line
Federal Issues
 
December 27, 2025 - When Congress passed the One Big Beautiful Bill and the president signed it into law, the promise was simple and politically potent: no federal income tax on tips, no federal income tax on overtime pay, and a new deduction for seniors meant to ease the pressure of rising costs in retirement. For millions of workers and retirees, it sounded like real relief. What many people did not realize, however, is that federal tax policy does not automatically carry over to the states.
Read more...
 
Wage Garnishment Is Back for Defaulted Student Loans: What Borrowers Need to Know
Personal Finances

December 23, 2025 - After nearly six years without aggressive collections, the federal government is preparing to restart one of its strongest tools against people who have fallen behind on their student loans: wage garnishment.

Read more...
 
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