소비자의 금융생활을 함께 합니다 | Consumer Financial Protection Bureau

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class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">CFPB는 여러분과 함께합니다</h2> <p>소비자금융보호국(CFPB)은 소비자가 은행, 대출업체 및 기타 금융기관으로부터 공정한 대우를 받을 수 있도록 보장하기 위해 설립된 미국 정부기관입니다.</p> </div> <div class="o-video-player o-video-player--youtube o-featured-content-module__visual" data-id="o-EW5VpCCjA" data-src="https://www.youtube.com/embed/o-EW5VpCCjA?enablejsapi=1&origin=https://www.consumerfinance.gov" data-custom-thumbnail> <div class="o-video-player__video-container u-show-on-video-playing"> <div class="o-video-player__video-actions-container"> <div class="o-video-player__video-actions"> <button class="a-btn o-video-player__close-btn" aria-label="Close video" aria-hidden="true" tabindex="-1"> <span>닫기</span> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error-round" viewBox="0 0 17 19"><path d="M16.417 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-6.804.01 3.032-3.033a.792.792 0 1 0-1.12-1.12L8.494 8.473 5.46 5.44a.792.792 0 0 0-1.12 1.12l3.033 3.033-3.032 3.033a.791.791 0 1 0 1.12 1.119l3.032-3.033 3.033 3.033a.79.79 0 0 0 1.12 0 .79.79 0 0 0 0-1.12z"/></svg> </button> </div> </div> <div class="o-video-player__iframe-container"> <iframe class="o-video-player__iframe" src="https://www.youtube.com/embed/o-EW5VpCCjA?enablejsapi=1&origin=https://www.consumerfinance.gov" allow="fullscreen; autoplay" aria-hidden="true" tabindex="-1" title="This is a placeholder for a video that will load."> </iframe> </div> </div> <div class="o-video-player__image-container u-hide-on-video-playing"> <a aria-label="Play video on YouTube" class="o-video-player__play-btn o-video-player__play-btn--center" href="https://www.youtube.com/embed/o-EW5VpCCjA?enablejsapi=1&origin=https://www.consumerfinance.gov" rel="noopener noreferrer" target="_blank"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"></path></svg> </a> <button class="o-video-player__play-btn o-video-player__play-btn--center u-hidden" aria-label="Play video"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewBox="0 0 13 19"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"/></svg> </button> <img class="o-video-player__image o-video-player__image--thumbnail o-featured-content-module__img" alt="" src="https://files.consumerfinance.gov/f/images/cfpb_about-us-video-asl_thumb_ko.original.png"> <time class="o-video-player__duration u-hidden">00:00</time> </div> </div> </section> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <h3 id=":" data-block-key="ypvt9">본 페이지:</h3><ul><li data-block-key="aclmq"><a href="#moneytopics">금융 주제 및 주요 용어</a></li><li data-block-key="a7ijk"><a href="#submitacomplaint">금융상품 또는 서비스에 대한 민원 접수</a></li></ul><p data-block-key="f010b">조만간에 한국어로 추가 자료를 제공하겠습니다.</p> </div> </div> </div> <div class="block"> <div> <p><h2 id="moneytopics" data-block-key="n9cwv">금융 주제 및 주요 용어</h2><h3 id="" data-block-key="vvtd8">자주 묻는 금융 질문에 대한 답변을 금융 주제 별로 검색하여 찾을 수 있습니다. 기본 정보 및 주요 용어를 배우고 문제가 있을 시 취할 수 있는 조치에 대해 알아볼 수 있습니다.<br/><br/></h3></p> <div class="o-expandable-group "> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--car-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-3.948-1.455-.758-1.955a.82.82 0 0 0-.726-.498H6.054a.82.82 0 0 0-.727.498L4.57 8.128a1.43 1.43 0 0 0-1.052 1.375v2.046a.32.32 0 0 0 .317.317h.496v1.147a.24.24 0 0 0 .238.237h.892a.24.24 0 0 0 .237-.237v-1.147h5.644v1.147a.24.24 0 0 0 .237.237h.892a.24.24 0 0 0 .238-.237v-1.147h.496a.32.32 0 0 0 .317-.317V9.503a1.43 1.43 0 0 0-1.052-1.375zm-7.445.582a.792.792 0 1 0 .792.792.79.79 0 0 0-.792-.792m5.96-2.402a.2.2 0 0 1 .137.094l.65 1.676H5.267l.65-1.676a.2.2 0 0 1 .136-.094zm1.04 2.402a.792.792 0 1 0 .792.792.79.79 0 0 0-.791-.792z"/></svg></span> <span class="o-expandable__label" > 자동차 대출 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="wbxg8">안내</h5><p data-block-key="98qre">자동차 대출을 알아보고 계시나요? 어떤 질문을 해야 하고 어떻게 준비해야 할지 알아볼 수 있습니다.</p><p data-block-key="1ifge"></p><p data-block-key="4necg"><a href="/language/ko/shopping-for-your-auto-loan/">자동차 대출을 알아보는 방법</a></p><h5 id="" data-block-key="a8h4u">주요 용어</h5><p data-block-key="3p90g">자동차 대출과 관련된 주요 용어를 한국어로 알아볼 수 있습니다.</p><p data-block-key="fass1"><a href="/language/ko/auto-loan-key-terms/">주요 용어 탐색하기</a></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--bank-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.526 3.104a.32.32 0 0 0-.317-.316h-.372v-.384a.32.32 0 0 0-.316-.316h-.55V7.214h.866a.396.396 0 0 0 .158-.76L8.658 4.416a.4.4 0 0 0-.315 0L3.64 6.454a.396.396 0 0 0 .158.76h.865v4.457h-.549a.32.32 0 0 0-.316.316v.384h-.372a.32.32 0 0 0-.317.316v.383h10.782zM5.455 7.954h1.502v3.717H5.455zm5.839-1.532H5.706L8.5 5.212zM7.749 7.954h1.502v3.717H7.75zm2.294 0h1.502v3.717h-1.502z"/></svg></span> <span class="o-expandable__label" > 은행 계좌 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="q0cx2">안내</h5><p data-block-key="dn67n">은행 또는 신용 조합 계좌를 선택하고 사용할 때, 어떤 선택권이 있는지 아는 것은 중요합니다.</p><p data-block-key="e7mhq"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_checklist-for-opening-bank-credit-account_ko.pdf"><span class="a-link__text">은행 계좌 또는 신용 계좌 개설을 위한 체크리스트</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><p data-block-key="80a9b"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_selecting_financial_products_services_ko.pdf"><span class="a-link__text">금융상품 및 서비스 선택하기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h5 id="" data-block-key="prmbs"><br/>주요 용어</h5><p data-block-key="314hl">은행 계좌와 관련된 핵심 용어를 한국어로 알아볼 수 있습니다.</p><p data-block-key="8j15t"><a href="/language/ko/bank-accounts-key-terms/">주요 용어 탐색하기</a><br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--credit-card-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M3.243 7.019v.72h10.572v-.72a.794.794 0 0 0-.791-.792H4.035a.794.794 0 0 0-.792.792m10.572 5.127V8.53H3.243v3.615a.794.794 0 0 0 .792.791h8.989a.794.794 0 0 0 .791-.791zm-5.52-1.525H4.843v.792h3.452z"/></svg></span> <span class="o-expandable__label" > 신용카드 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="rp9xs">안내</h5><p data-block-key="25lc0">신용 카드 관리를 위한 자원은 다음과 같습니다.</p><p data-block-key="2os77"><a href="/language/ko/act-fast-if-you-cant-pay-your-credit-cards/">신용카드 대금을 결제할 수 없다면 빠르게 대처하세요</a></p><h5 id="" data-block-key="wejlz">주요 용어</h5><p data-block-key="e1rd5">새로운 신용카드를 알아보는 중이거나 이미 신용카드를 가지고 있을 때 이와 관련된 주요 용어를 알고 있으면 도움이 됩니다.</p><p data-block-key="crpnj"><a href="/language/ko/credit-card-key-terms/">주요 용어 탐색하기</a><br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--credit-report-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-4.233-1.805H9.259a.32.32 0 0 1-.317-.317v-2.9H5.16a.32.32 0 0 0-.316.317v9.367a.32.32 0 0 0 .316.317h6.708a.32.32 0 0 0 .317-.317zm-4.195 5.557.034-.002a.4.4 0 0 0 .31-.196l2.294-3.974a.396.396 0 0 0-.686-.396l-2.01 3.483-.92-1.105a.396.396 0 1 0-.61.507l1.284 1.54a.4.4 0 0 0 .304.143m1.748-6.352h2.43l-2.43-2.416z"/></svg></span> <span class="o-expandable__label" > 신용 보고서 및 점수 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="fjllt">안내</h5><p data-block-key="3oi4d">신용 보고서 및 점수는 재무 상황에 영향을 줄 수 있습니다. 다음 자료는 이에 대한 이해도를 높이고 오류를 정정하는 방법 및 시간이 지남에 따라 신용 기록을 개선할 수 있는 방법에 대해 도움을 드립니다.</p><ul><li data-block-key="db9e0"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_check-credit-report-once-a-year_handout_ko.pdf"><span class="a-link__text">일 년에 한 번 이상 신용 보고서 확인하기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="8rfmd"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_rebuild-your-credit-handout_ko.pdf"><span class="a-link__text">신용을 회복하는 방법</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="afmup"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-report_handout_ko.pdf"><span class="a-link__text">신용 보고서 이해하기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="adguv"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_understand-your-credit-score-handout_ko.pdf"><span class="a-link__text">신용 점수 이해하기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="dls28"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ECOA_handout_ko.pdf"><span class="a-link__text">신용거래 차별은 불법입니다</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li></ul><h5 id="" data-block-key="e45cw"><br/>주요 용어</h5><p data-block-key="7ac2b">한국어로 신용 보고서 및 점수와 관련된 주요 용어를 알아볼 수 있습니다.</p><p data-block-key="fan2p"><a href="/language/ko/credit-reports-and-scores-key-terms/">주요 용어 탐색하기</a><br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--debt-collection-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-13.099.331h2.775a2.2 2.2 0 0 1 .163-.632 2 2 0 0 1 .168-.32H3.318a.32.32 0 0 0-.316.316v.32a.32.32 0 0 0 .316.316m10.77-1.375a.32.32 0 0 0-.318-.317h-1.15A3.48 3.48 0 0 0 9.528 6.03H7.56a.32.32 0 0 0-.317.317v.404a.32.32 0 0 0 .316.316h.87l-.001.001h.779a.25.25 0 1 1 0 .502h-5.47a.32.32 0 0 0-.316.317v.32a.32.32 0 0 0 .316.317h3.047a2.246 2.246 0 1 1-.046 3.219H4.81a.32.32 0 0 0-.317.316v.32a.32.32 0 0 0 .317.317h6.394a1.95 1.95 0 0 0 1.8-.994h.765a.32.32 0 0 0 .317-.316zm-10.35 2.766h2.658a2 2 0 0 1-.14-.276 2.2 2.2 0 0 1-.167-.677H3.737a.32.32 0 0 0-.316.316v.32a.32.32 0 0 0 .316.317zM8.563 8.79v-.287a.238.238 0 0 0-.475 0v.28a1.2 1.2 0 0 0-.397.153.75.75 0 0 0-.376.637.74.74 0 0 0 .171.466.9.9 0 0 0 .291.234 1.1 1.1 0 0 0 .31.1 1.4 1.4 0 0 0 .242.02 1 1 0 0 1 .16.015.7.7 0 0 1 .164.06.5.5 0 0 1 .137.11.26.26 0 0 1 .063.165c0 .058-.016.135-.142.217a.77.77 0 0 1-.397.11 1 1 0 0 1-.17-.02 1 1 0 0 1-.161-.052.35.35 0 0 1-.131-.1.237.237 0 1 0-.36.31.8.8 0 0 0 .314.23 1.3 1.3 0 0 0 .256.08l.026.004v.287a.237.237 0 1 0 .475 0v-.29a1.2 1.2 0 0 0 .406-.16.72.72 0 0 0 .359-.616.73.73 0 0 0-.18-.479 1 1 0 0 0-.274-.217 1.2 1.2 0 0 0-.284-.103 1.3 1.3 0 0 0-.261-.027 1 1 0 0 1-.165-.013.6.6 0 0 1-.175-.056.4.4 0 0 1-.134-.108.28.28 0 0 1-.065-.167.28.28 0 0 1 .155-.235.76.76 0 0 1 .388-.105 1 1 0 0 1 .138.023l.016.004a1 1 0 0 1 .164.057.5.5 0 0 1 .137.094.237.237 0 1 0 .336-.336 1 1 0 0 0-.278-.19 1.3 1.3 0 0 0-.258-.09l-.016-.003z"/></svg></span> <span class="o-expandable__label" > 채권추심 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="lkyca">안내</h5><p data-block-key="f1oq1">채권추심과 관련된 문제는 어려울 수 있지만 보장받을 수 있는 권리가 있습니다.</p><p data-block-key="crb4j"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_know_your_rights_when_debt_collector_calls_ko.pdf"><span class="a-link__text">채권추심자에 대한 권리</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h5 id="" data-block-key="7f4vu">주요 용어</h5><p data-block-key="jnka">채권추심과 관련된 주요 용어를 한국어로 알아볼 수 있습니다.</p><p data-block-key="72t3a"><a href="/language/ko/debt-collection-key-terms/">주요 용어 탐색하기</a><br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--warning-round" viewBox="0 0 17 19"><path d="M16.406 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0M9.48 13.667a1.003 1.003 0 1 0-2.007 0 1.003 1.003 0 0 0 2.007 0M7.697 10.83a.792.792 0 0 0 1.583 0V4.562a.792.792 0 0 0-1.583 0z"/></svg></span> <span class="o-expandable__label" > 사기 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="e5i3o">주요 용어</h5><p data-block-key="et213">사기로 돈이나 재산을 잃는 것은 엄청난 충격을 줄 수 있습니다. 한국어로 주요 용어를 이해하는 것은 사기 예방, 인식 및 신고하는 데 도움이 될 수 있습니다.</p><p data-block-key="48gsp"><a href="/language/ko/fraud-key-terms/">주요 용어 탐색하기</a></p><p data-block-key="4ddn5"></p><h5 id="" data-block-key="m4arr">사기를 당했다고 생각되는 경우 해야 할 일</h5><p data-block-key="2nqdd">I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.</p><ol><li data-block-key="fbi5">사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.</li><li data-block-key="4up67">주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 <a class="a-link" href="http://www.naag.org/naag/attorneys-general/whos-my-ag.php&signature=4VFBz7VQlz0Ibu4z0yn1Tk317DdCuNDW3hB_GV8jJpE"><span class="a-link__text">전국검찰총장협회</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 웹사이트에서 찾을 수 있습니다.</li><li data-block-key="1le5s">피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 <a class="a-link" href="https://eldercare.acl.gov/Public/Index.aspx"><span class="a-link__text">고령자 돌봄 서비스 찾기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 웹사이트 또는 <a href="tel:(800) 677-1116">(800) 677-1116</a>에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.</li><li data-block-key="fvoq1">본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 <a class="a-link" href="https://reportfraud.ftc.gov/#/"><span class="a-link__text">민원 접수</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>를 할 수 있습니다.</li></ol><p data-block-key="an5l"><br/>모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.<br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--dollar-round" viewBox="0 0 17 19"><path d="M16.417 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-4.844 1.754a2.25 2.25 0 0 0-.556-1.477l-.001-.002a3 3 0 0 0-.835-.665l-.003-.002a3.5 3.5 0 0 0-.866-.313H9.31a3.8 3.8 0 0 0-.795-.083q-.253 0-.475-.037a1.8 1.8 0 0 1-.494-.158l-.002-.001a1.2 1.2 0 0 1-.371-.298L7.172 8.3a.73.73 0 0 1-.175-.44c0-.166.073-.41.421-.63.295-.186.71-.297 1.11-.297.088 0 .229.03.391.066l.049.01q.205.045.473.166c.14.063.275.156.381.261a.791.791 0 1 0 1.118-1.12 2.9 2.9 0 0 0-.85-.585 4 4 0 0 0-.785-.268h-.001l-.008-.002v-.786a.792.792 0 1 0-1.583 0v.763c-.415.09-.808.244-1.14.454-.736.465-1.159 1.182-1.159 1.967 0 .51.188 1.021.53 1.44.24.298.55.546.893.717.289.145.615.25.942.305.236.04.476.059.736.059a1.9 1.9 0 0 1 .926.215 1.4 1.4 0 0 1 .383.307c.105.12.165.28.165.436 0 .097 0 .324-.385.573a2.2 2.2 0 0 1-1.132.314c-.151 0-.4-.044-.494-.06a2.4 2.4 0 0 1-.459-.148h-.001a.95.95 0 0 1-.356-.274.792.792 0 1 0-1.197 1.037q.427.492.967.708c.218.087.476.185.774.237h.007v.783a.792.792 0 1 0 1.583 0v-.79a3.6 3.6 0 0 0 1.17-.479c.724-.47 1.107-1.127 1.107-1.9z"/></svg></span> <span class="o-expandable__label" > 돈 관리 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="oo9v6">안내</h5><p data-block-key="17ksh">비상 상황에 대비하여 예산을 관리하고 재정을 보호하는 방법이 있습니다.</p><ul><li data-block-key="d7idp"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-pay-bills_ko.pdf"><span class="a-link__text">공과금 납부 방법</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="70gvi"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ways-receive-money_ko.pdf"><span class="a-link__text">돈을 수령하는 방법</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="3kqsq"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_your_disaster_checklist_ko.pdf"><span class="a-link__text">재난대비 체크 리스트</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="4il2s"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_my_new_money_goal_ko.pdf"><span class="a-link__text">새로운 자금 목표</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/></li></ul> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--house-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.792-1.198a.396.396 0 0 0-.149-.54L8.661 5.104a.4.4 0 0 0-.393 0l-2.31 1.324v-.895a.32.32 0 0 0-.317-.317h-.968a.32.32 0 0 0-.317.317v1.813l-.872.5a.396.396 0 1 0 .393.686l4.589-2.629 4.619 2.63a.395.395 0 0 0 .54-.148m-1.02.786L8.467 6.815l-4.11 2.356v4.465a.32.32 0 0 0 .316.317h7.615a.32.32 0 0 0 .317-.317zm-6.647.607h1.647v1.668H5.958zm5.045 1.668H9.356V9.778h1.647z"/></svg></span> <span class="o-expandable__label" > 모기지 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <h5 id="" data-block-key="hsztu">안내</h5><p data-block-key="it8j">주택 구입을 생각하고 있거나 모기지를 내는 데 어려움을 겪고 있다면 모든 단계에서 도움이 될 수 있는 자료가 준비되어 있습니다.</p><ul><li data-block-key="2fj6t"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ready-to-buy-a-home_handout_ko.pdf"><span class="a-link__text">주택 구입을 위한 준비</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></li><li data-block-key="b30um"><a href="/language/ko/shopping-for-a-mortgage/">모기지를 알아보는 방법</a></li><li data-block-key="259o"><a href="/language/ko/how-to-avoid-foreclosure/">부동산 압류를 피하는 방법</a></li><li data-block-key="jq1"><a href="/language/ko/prepare-your-money-situation-before-you-buy-a-home/">주택을 매입하기 전 재정적으로 대비하세요</a></li></ul><h5 id="" data-block-key="qgil5"><br/>핵심 용어</h5><p data-block-key="9tp4r">모기지와 관련된 주요 용어를 한국어로 알아볼 수 있습니다.</p><p data-block-key="1t5mc"><a href="/language/ko/mortgages-key-terms/">주요 용어 탐색하기</a><br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__icon"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--money-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917m-2.307 2.53V7.069a.32.32 0 0 0-.317-.316H3.217a.32.32 0 0 0-.317.316v5.044a.32.32 0 0 0 .317.317h10.576a.32.32 0 0 0 .317-.317m-3.172-2.522a2.357 2.357 0 1 1-.185-.92 2.4 2.4 0 0 1 .185.92m-1.691 1.257a.74.74 0 0 0 .372-.638.75.75 0 0 0-.187-.496 1 1 0 0 0-.284-.226 1.2 1.2 0 0 0-.297-.107 1.3 1.3 0 0 0-.272-.029 1 1 0 0 1-.176-.013.7.7 0 0 1-.187-.06.45.45 0 0 1-.147-.118.28.28 0 0 1 .098-.443.7.7 0 0 1 .564-.087l.017.003a1 1 0 0 1 .176.062.5.5 0 0 1 .148.101.237.237 0 1 0 .336-.336 1 1 0 0 0-.289-.198 1.4 1.4 0 0 0-.27-.093l-.017-.003-.02-.005V7.85a.237.237 0 0 0-.474 0v.306a1.2 1.2 0 0 0-.424.162.78.78 0 0 0-.39.66.77.77 0 0 0 .177.483.9.9 0 0 0 .302.243 1.2 1.2 0 0 0 .322.104 1.5 1.5 0 0 0 .254.02 1 1 0 0 1 .171.018.7.7 0 0 1 .177.063.6.6 0 0 1 .148.119.28.28 0 0 1 .069.183.27.27 0 0 1-.156.24.8.8 0 0 1-.424.117 1 1 0 0 1-.183-.022 1 1 0 0 1-.172-.054.4.4 0 0 1-.142-.11.237.237 0 1 0-.36.312.85.85 0 0 0 .326.239 1.3 1.3 0 0 0 .266.081l.038.007v.313a.237.237 0 0 0 .475 0v-.316a1.3 1.3 0 0 0 .434-.17z"/></svg></span> <span class="o-expandable__label" > 송금 </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="iigt0">다른 나라로 돈을 보내는 경우, 일반적으로 연방정부 차원의 보호를 받을 수 있습니다.</p><p data-block-key="5eqbc"><a href="/consumer-tools/sending-money/ko/">해외 송금과 보장받을 수 있는 권리에 대해 알아보기</a></p><p data-block-key="aalkn"><a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_send-money-abroad_ko_CwTsut7.pdf"><span class="a-link__text">안심하고 해외로 송금하기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a><br/><br/></p> </div> </div> </div> </div> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <p data-block-key="x1p41"></p><hr/><p data-block-key="32db7"></p><h2 id="submitacomplaint" data-block-key="eh9ov">금융상품 또는 서비스에 대한 민원 접수</h2><h3 id="" data-block-key="oz0t1">금융상품과 서비스에 대해 매주 만 건 이상의 민원을 관련 업체로 보내 응답을 받고 있습니다. 다른 부처에서 보다 더 잘 지원할 수 있는 경우, 민원을 이송하고 해당 사실을 안내드립니다. <b>답변은 일반적으로 15일 내에 받을 수 있습니다.</b></h3> </div> </div> </div> <div class="block"> <section class="o-featured-content-module "> <div class="o-featured-content-module__text"> <h2 class="h3">금융 상품 또는 서비스와 관련하여 문제가 있으신가요</h2> <p>CFPB의 불만 사항 처리 절차 및 CFPB에 불만 사항을 제출하는 방법에 대해 알아보세요.</p> </div> <div class="o-video-player o-video-player--youtube o-featured-content-module__visual" data-id="0M_qG__SL44" data-src="https://www.youtube.com/embed/0M_qG__SL44?enablejsapi=1&origin=https://www.consumerfinance.gov" data-custom-thumbnail> <div class="o-video-player__video-container u-show-on-video-playing"> <div class="o-video-player__video-actions-container"> <div class="o-video-player__video-actions"> <button class="a-btn o-video-player__close-btn" aria-label="Close video" aria-hidden="true" tabindex="-1"> <span>닫기</span> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error-round" viewBox="0 0 17 19"><path d="M16.417 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-6.804.01 3.032-3.033a.792.792 0 1 0-1.12-1.12L8.494 8.473 5.46 5.44a.792.792 0 0 0-1.12 1.12l3.033 3.033-3.032 3.033a.791.791 0 1 0 1.12 1.119l3.032-3.033 3.033 3.033a.79.79 0 0 0 1.12 0 .79.79 0 0 0 0-1.12z"/></svg> </button> </div> </div> <div class="o-video-player__iframe-container"> <iframe class="o-video-player__iframe" src="https://www.youtube.com/embed/0M_qG__SL44?enablejsapi=1&origin=https://www.consumerfinance.gov" allow="fullscreen; autoplay" aria-hidden="true" tabindex="-1" title="This is a placeholder for a video that will load."> </iframe> </div> </div> <div class="o-video-player__image-container u-hide-on-video-playing"> <a aria-label="Play video on YouTube" class="o-video-player__play-btn o-video-player__play-btn--center" href="https://www.youtube.com/embed/0M_qG__SL44?enablejsapi=1&origin=https://www.consumerfinance.gov" rel="noopener noreferrer" target="_blank"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"></path></svg> </a> <button class="o-video-player__play-btn o-video-player__play-btn--center u-hidden" aria-label="Play video"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--play" viewBox="0 0 13 19"><path d="m11.314 9.988-8.822 5.086a1.24 1.24 0 0 1-.61.186c-.45 0-.762-.36-.762-.978V4.112c0-.618.312-.977.763-.977a1.24 1.24 0 0 1 .609.186l8.822 5.086a.835.835 0 0 1 0 1.581"/></svg> </button> <img class="o-video-player__image o-video-player__image--thumbnail o-featured-content-module__img" alt="" src="https://files.consumerfinance.gov/f/images/languages_submit_a_complaint.original.original.png"> <time class="o-video-player__duration u-hidden">00:00</time> </div> </div> </section> </div> <div class="block"> <div> <p><h3 id="" data-block-key="ylayp">민원 접수 방법</h3><ul><li data-block-key="59g08"><a href="/complaint/">온라인</a>(영어)</li><li data-block-key="e720h">또는 <a href="tel:(855) 411-2372">(855) 411-2372</a> 로 전화하여 한국어 및 180개 이상의 언어로 도움을 받을 수 있습니다. 전화는 보통 1분 내로 받습니다. 접수된 민원은 영어로 번역되어 답변을 받기 위해 해당 업체로 발송됩니다. 해당 업체에서는 보통 영어로 답변을 하지만 이 전화번호로 연락하여 번역된 답변을 들을 수 있습니다.</li></ul><h3 id="" data-block-key="pyyyk">민원 접수 전 확인사항</h3></p> <div class="o-expandable-group "> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > 어떤 상품과 서비스에 대해 민원을 접수할 수 있나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">현재 다음에 대한 민원을 받습니다.</p><ul><li data-block-key="6qaih">당좌 또는 저축 계좌</li><li data-block-key="78lks">신용카드</li><li data-block-key="aa6vn">신용 회복 서비스</li><li data-block-key="47lff">신용 보고서 및 기타 개인 소비자 보고서</li><li data-block-key="bupc6">채권추심</li><li data-block-key="9uo4u">채무조정</li><li data-block-key="8sj1b">자금이체, 가상 화폐 및 자금 서비스</li><li data-block-key="fjlap">모기지</li><li data-block-key="5ki3q">급여일 대출</li><li data-block-key="8rhlu">할부 및 담보 대출과 같은 개인 대출</li><li data-block-key="31htv">선불카드</li><li data-block-key="gu7j">학자금 대출</li><li data-block-key="69q2c">자동차 대출 또는 리스</li></ul><p data-block-key="1gp8g">민원을 접수하고자 하는 상품 또는 서비스가 기재되어 있지 않다면 <a class="a-link" href="https://www.usa.gov/complaints"><span class="a-link__text">usa.gov를 확인</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>하여 다른 곳에 민원을 접수할 수 있는지 알아볼 수 있습니다. 여기에서는 전화, 인터넷, 케이블 회사는 물론 기타 제품 및 서비스 등을 판매하는 회사에 대한 민원을 접수하는 방법도 확인할 수 있습니다.</p><p data-block-key="d55a1">사기를 당했다고 생각되는 경우 <a class="" data-pretty-href="cfpb.gov/askcfpb/1777" href="/ask-cfpb/i-think-i-or-someone-i-know-was-the-victim-of-a-scam-or-financial-exploitation-who-can-i-contact-for-help-en-1777/">즉시 취해야 할 중요한</a> 조치가 몇 가지 있습니다.<br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > 민원을 접수하기 전에 무엇을 할 수 있나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">해당 업체로 연락을 해보시기 바랍니다. 업체 대부분은 소비자의 고유한 상황 및 제공하는 상품과 서비스에 대한 구체적인 질문에 대해 답변을 제공할 수 있습니다.</p><p data-block-key="coftu">또는 <a href="/ask-cfpb/">답변 검색하기</a>(영어)를 이용하여 소비자들이 자주 묻는 금융 질문에 대한 답변을 볼 수 있습니다.<br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > 민원을 접수하려면 어떤 정보를 제공해야 하나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">전화하기 전, 일어난 일에 대해 적어 보시기 바랍니다.</p><ul><li data-block-key="duaka">중요한 날짜, 금액 그리고 해당 업체와 연락한 내용을 포함하도록 합니다.</li><li data-block-key="bcgdv">해당 업체의 정확한 연락처를 제공해야 합니다. 민원을 해당 업체에 발송할 수 없는 경우, 취할 수 있는 다음 조치에 대해 안내드립니다.</li></ul><p data-block-key="67r8g">전화 통화 시에는 다음 정보가 필요합니다.</p><ul><li data-block-key="dqbhq">이름, 이메일 주소 및 전화번호로 계정을 개설해야 합니다.</li><li data-block-key="8pia8">목록에서 민원을 접수하고자 하는 상품과 문제를 선택해야 합니다.</li><li data-block-key="3it4o">업체의 문제 해결 방법을 통해 문제를 해결하려고 시도하였는지 알려주시기 바랍니다.</li><li data-block-key="1s9dv">해당 업체와 문제를 해결하려고 시도하였는지 알려주시기 바랍니다.</li><li data-block-key="4aatu">민원을 접수하고자 하는 업체에 대해 알려주셔야 합니다.</li><li data-block-key="ei2n5">민원인의 주소를 알려주셔야 합니다.</li><li data-block-key="bskjg">민원인이 제공한 정보는 모두 사실이며 CFPB는 변호인, 법원 또는 자산관리 전문가 역할을 할 수 없다는 것을 이해한다고 인지해야 합니다.</li></ul><p data-block-key="3fc9k"><br/>또한 의무가 아닌 선택적 사항으로 민원인의 계정과 인구통계학적 정보를 제공할 수 있습니다.<br/><br/></p> </div> </div> <div class="o-expandable " id="cfpb" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > CFPB는 소비자 민원 데이터를 어떻게 공유하나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <ul><li data-block-key="5ozfp">소비자가 설명한 사안에 대해 검토하고 답변할 수 있도록 민원을 관련 업체와 공유합니다.</li><li data-block-key="aprhr">해당 업체로 민원을 보낼 수 없는 경우, 타 연방 기관에 민원을 이송할 것이며 해당 사실을 안내드립니다.</li><li data-block-key="a7s9">관련 법에 따라 특정 주정부 및 연방 기관에서 다음을 포함하여 여러 업무를 진행할 수 있도록 민원을 공유합니다.<ul><li data-block-key="8rmgu">감독 업무</li><li data-block-key="5daep">집행 업무</li><li data-block-key="1arbl">소비자 금융상품과 서비스에 대한 시장 모니터링 업무</li></ul></li><li data-block-key="cb3u7">소비자 민원 데이터베이스에(직접 식별 가능한 정보 없이) 민원 데이터를 게시합니다.<br/><br/></li></ul> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > 민원을 접수한 후에는 어떻게 되나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="5ozfp">소비자가 답변을 받고 CFPB에서 시장 문제를 식별할 수 있도록 민원은 여러 단계를 걸치게 됩니다.</p><h5 id="" data-block-key="zt62p">1.민원 접수</h5><p data-block-key="4bh61">민원인이 직접 민원을 접수하거나, 타 정부 기관에서 민원을 전달받을 수 있습니다. 이메일로 최신 현황과 민원 상태를 확인할 수 있습니다.</p><h5 id="" data-block-key="dpmaf">2.민원 전송</h5><p data-block-key="ciap7">해당 업체에서 민원을 검토할 수 있도록 직접 해당 업체로 민원을 보냅니다. 타 정부 기관에서 처리하는 것이 더 적합하다고 판단되는 경우, 민원을 해당 기관으로 이송하고 안내드립니다.</p><h5 id="" data-block-key="mz07v">3.업체 답변</h5><p data-block-key="7fn4n">해당 업체는 필요시 민원인에게 연락을 취하고 접수된 문제에 답변합니다. 답변은 일반적으로 15일 내에 받습니다. 경우에 따라 업체에서는 답변을 준비 중이며 최종 답변을 60일 내에 제공하겠다고 통보하기도 합니다.</p><h5 id="" data-block-key="6m9l9">4.민원 게시</h5><p data-block-key="4kp2n">민원에 대한 정보는 소비자 민원 데이터베이스에(직접 식별 가능한 데이터 없이) 게시됩니다. 또한, 민원인의 동의하에 무슨 일이 일어났는지에 대해 설명한 내용을 개인정보를 삭제한 후 게시합니다. <a href="/complaint/data-use/">민원 데이터를 어떻게 공유하는지 더 자세히 알아볼 수 있습니다</a>.</p><h5 id="" data-block-key="zt4kn">5.소비자 검토</h5><p data-block-key="89v45">해당 업체에서 답변을 하면 안내해 드립니다. 민원인은 60일 내에 해당 업체의 답변을 검토하고 피드백을 제공할 수 있습니다.<br/><br/></p> </div> </div> <div class="o-expandable " id="" > <button class="o-expandable__header" type="button"> <span class="o-expandable__label" > 사기를 당했다고 생각되는 경우 무엇을 해야 하나요? </span> <span class="o-expandable__cues"> <span class="o-expandable__cue-open" role="img" aria-label="보여줘"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--plus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H9.284V5.42a.792.792 0 1 0-1.583 0V8.8H4.32a.792.792 0 0 0 0 1.584H7.7v3.382a.792.792 0 1 0 1.583 0v-3.382h3.382a.79.79 0 0 0 .792-.791z"/></svg> </span> <span class="o-expandable__cue-close" role="img" aria-label="숨기기"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--minus-round" viewBox="0 0 17 19"><path d="M16.416 9.583a7.916 7.916 0 1 1-15.833 0 7.916 7.916 0 0 1 15.833 0m-2.958.01a.79.79 0 0 0-.792-.792H4.32a.792.792 0 0 0 0 1.583h8.346a.79.79 0 0 0 .792-.791"/></svg> </span> </span> </button> <div class="o-expandable__content" > <p data-block-key="blkfb">I사기를 당했다고 의심된다면 즉시 취해야 할 중요한 조치가 몇 가지 있습니다.</p><ol><li data-block-key="1mrv3">사기를 신고하기 위해 지역 경찰 또는 보안관에게 연락을 취해야 합니다.</li><li data-block-key="2h2rj">주 검찰 총장에게 연락을 취해야 합니다. 각 주의 검찰 총장 연락처는 <a class="a-link" href="http://www.naag.org/naag/attorneys-general/whos-my-ag.php&signature=4VFBz7VQlz0Ibu4z0yn1Tk317DdCuNDW3hB_GV8jJpE"><span class="a-link__text">전국검찰총장협회</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 웹사이트에서 찾을 수 있습니다.</li><li data-block-key="1rgiu">피해자가 고령자이거나 장애인인 경우, 지역 성인 보호 서비스 기관으로 연락을 취해야 합니다. 고령자의 경우, 재정적으로 착취를 당하고 있는 것이 의심된다면 <a class="a-link" href="https://eldercare.acl.gov/Public/Index.aspx"><span class="a-link__text">고령자 돌봄 서비스 찾기</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> 웹사이트 또는 <a href="tel:(800) 677-1116">(800) 677-1116</a>에 전화하여 신고를 받고 수사하는 주 또는 지역 기관에 대해 알아볼 수 있습니다.</li><li data-block-key="bbj99">본인이나 소중한 사람이 사기 또는 재정적 착취를 당한 피해자라면 연방 거래위원회로 <a class="a-link" href="https://reportfraud.ftc.gov/#/"><span class="a-link__text">민원 접수</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a>를 할 수 있습니다.</li></ol><p data-block-key="duici"><br/>모든 사기는 다르기 때문에 상황에 따라 다른 지역, 주 및 연방 기관에 연락을 취해야 할 수도 있습니다. 재정적 착취와 사기에 대한 추가 정보는 다른 사람의 돈 관리에 대한 가이드에서 살펴볼 수 있습니다.<br/><br/></p> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id="" > <h3 id="">사례 공유</h3> <p data-block-key="ccop8">다음은 소비자가 CFPB의 민원 접수 절차를 통해 어떻게 도움을 받았는지에 대한 사례입니다. 소비자가 내는 목소리는 소비자가 경험하는 사안에 대해 중요한 통찰력을 제공합니다.</p> <div class="content-l"> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/Dani_300x300.original.original.jpg" alt=""><div class="m-info-unit__content"> <p data-block-key="pbn3o">“제 경제적 상황 때문에 얼마나 울었는지 모릅니다. 제 편을 들어줄 사람이 정말 필요해서 CFPB로 연락했습니다. 제가 이 사설 학자금 대출 서비스에서 바꿀 수 있는 것은 아무것도 없었고, 희망이 없는 상황에 갇힌 것 같았어요. 그래서 저는 실제로 변화를 줄 수 있는 방법을 찾는 것이 중요했습니다. 다른 문제에 대해 어려움을 겪고 있는 사람들의 이야기를 들으면 저는 항상 CFPB로 안내합니다.”</p><p data-block-key="3lf14"><b>– 대니</b></p> </div> </div> </div> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/jorge_300x300_v3.original.original.jpg" alt=""><div class="m-info-unit__content"> <p data-block-key="pbn3o">"신용정보에 여전히 나와있는 파산 기록 때문에 아파트를 잃은 경험이 있습니다. 10년이 지나 파산 기록이 없어야 할 시점에 다른 아파트를 계약해 보기로 했습니다. 하지만 신청에 앞서 파산 기록이 없다는 것을 확실히 하고 싶어 확인해 보니 여전히 그 기록이 남아있는 것을 발견했습니다. 그래서 연락을 취했습니다. 이메일을 보내고 여러 차례 전화를 했는데도 이 문제는 해결되지 않았습니다. 거래개선협회로 연락을 했더니 CFPB로 전화를 하라는 안내를 받았습니다. 한번 시도해보자는 생각으로 전화를 했고 이 문제가 얼마나 빨리 처리되는지를 보며 정말 놀랐습니다. 기록은 삭제되었고 양측에서 모든 것이 다 해결되었다는 편지와 함께 2주 안에 모두 마무리되었습니다. 가끔 일어날 수 있는 금융기관의 횡포로부터 소비자를 보호하고 함께 대응해 주는CFPB와 같은 연방 차원의 정부 기관이 있어 참 좋습니다."</p><p data-block-key="320td"><b>– 조지</b></p> </div> </div> </div> </div> </div> </div> </div> <aside class="u-layout-grid__sidebar"> <div class="block block--flush-top"> <div class="o-email-signup"> <header class="m-slug-header"> <h2 class="m-slug-header__heading "> 최신 정보 받기 </h2> </header> <p> <p data-block-key="2pomm">다국어 지역사회를 위한 정보 신청</p> </p> <form class="o-form" id="o-form__email-signup_1" method="POST" action="/subscriptions/new/" enctype="application/x-www-form-urlencoded"> <div class="m-notification"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--information-round" viewBox="0 0 17 19"><path d="M16.417 9.583A7.917 7.917 0 1 1 8.5 1.666a7.917 7.917 0 0 1 7.917 7.917M9.64 5.78a1.136 1.136 0 1 0-1.136 1.135A1.136 1.136 0 0 0 9.64 5.781zm-.344 2.884a.792.792 0 1 0-1.583 0v5.203a.792.792 0 0 0 1.583 0z"/></svg> <div class="m-notification__content" > </div> </div> <div class="m-form-field"> <label class="a-label a-label--heading" for="email_1"> 이메일 주소 </label> <input class="a-text-input a-text-input--full" id="email_1" name="email" type="email" placeholder="mail@example.com" required> </div> <div class="o-email-signup__buttons"> <button class="a-btn">신청하기</button> <a class="a-btn a-btn--link a-btn--secondary" href="/privacy/email-sign-privacy-act-statement/" target="_blank" rel="noopener noreferrer"> 개인정보보호법 안내문 보기 </a> </div> <input type="hidden" name="code" value="USCFPB_86"> </form> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id=""> 간행물 주문 및 다운로드 </h2> </header> <p data-block-key="5njwi">주문 또는 다운로드할 수 있는 다양한 주제와 언어로 된 무료 간행물.</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"> <span class="a-link__text">간행물 검색하기 (영어로)</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-1"> 다국어 지역사회와 이민자 돕기 </h2> </header> <p data-block-key="5njwi">미국 내 금융 상품과 서비스는 일반적으로 영어로 설명됩니다. 사용하는 주 언어가 다른 언어일 경우, 이러한 상품과 서비스를 이해하고 사용하는 것은 어려울 수 있습니다.</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a href="/language" class="a-link a-link--jump"> <span class="a-link__text">다국어 지역사회와 이민자를 돕기 위한 자료 보기 (영어로)</span> </a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-2"> 영한금융용어사전 </h2> </header> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://files.consumerfinance.gov/f/documents/cfpb_adult-fin-ed_korean-style-guide-glossary.pdf"> <span class="a-link__text">PDF 다운로드</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-3"> 언어 접근성 계획 </h2> </header> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://files.consumerfinance.gov/f/documents/cfpb_language-access-plan_2023-11.pdf"> <span class="a-link__text">CFPB 언어 접근성 계획 (영어로)</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a> </li> </ul> </div> </div> <div class="block"> <div class="m-related-links"> <header class="m-slug-header"> <h2 class="m-slug-header__heading" id="-4"> 법적 면책 조항 </h2> </header> <p data-block-key="7r44n">본 페이지의 내용은 일반 소비자 정보를 제공합니다. 이는 법률 자문이나 규제 지침이 아닙니다. CFPB는 본 정보를 정기적으로 업데이트합니다. 본 정보는 제3자의 자료 및 내용에 대한 링크 또는 참고 자료를 포함할 수 있습니다. CFPB는 제3자를 보증하거나 제3자 제공하는 정보의 정확성을 보장하지 않습니다. 소비자의 요구에 부합하는 기타 자료가 있을 수 있습니다.</p> </div> </div> </aside> </div> </main> <footer class="o-footer"> <div class="wrapper wrapper--match-content"> <div class="o-footer__pre"> <a class="a-btn a-btn--secondary o-footer__top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#"> Back to top <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.03 1.03 0 0 1 0 1.456z"></path></svg> </a> <ul class="o-footer__nav-list m-list"> <li class="m-list__item"> <a class="m-list__link" href="/about-us/"> About Us </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/about-us/contact-us/"> Contact Us </a> </li> <li class="m-list__item"> <a class="m-list__link" 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