Free help with money in the United States

This page lists official places to get help with budgeting, banking, credit, debt, taxes and scams in the United States. Every service here is run by a government agency or regulator, or is publicly approved, and is free to use.

Official and freeLast reviewed October 2026

Other countries: United Kingdom · Canada · Australia

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IdentityTheft.gov. If someone is using your personal information, report it here and get a free recovery plan. www.identitytheft.gov
ReportFraud.ftc.gov. Report a scam or fraud to the Federal Trade Commission. Reporting is free. reportfraud.ftc.gov

Everyday money and budgeting

Consumer Financial Protection Bureau: consumer resourcesFree guides and answers from the federal consumer finance regulator on everyday money decisions, from budgeting after a job loss to paying for college and filing taxes.www.consumerfinance.gov/consumer-tools
Money as You Grow (CFPB)Free activities and conversation ideas from the CFPB to help parents and caregivers teach children about money at each age.www.consumerfinance.gov/consumer-tools/money-as-you-grow
MyMoney.govThe federal government’s free financial literacy website, bringing together money resources from across federal agencies.www.mymoney.gov

Banking and deposit protection

FDIC deposit insuranceExplains how the Federal Deposit Insurance Corporation protects money in an insured bank if the bank fails. Coverage is automatic and you don’t pay for it.www.fdic.gov/resources/deposit-insurance
NCUA share insuranceExplains how the National Credit Union Administration insures member accounts at federally insured credit unions. Coverage is automatic when you join.ncua.gov/consumers/share-insurance-coverage
FDIC Consumer Resource CenterFree information from the FDIC on banking, plus ways to ask a question or file a complaint about a bank.www.fdic.gov/consumer-resource-center
HelpWithMyBank.govFree answers and a customer assistance group from the Office of the Comptroller of the Currency for customers of national banks and federal savings associations.www.helpwithmybank.gov

Credit reports and disputes

AnnualCreditReport.comThe official site, named by the Consumer Financial Protection Bureau, for getting your credit reports from the three nationwide credit reporting companies for free.www.annualcreditreport.com/index.action
CFPB: credit reports and scoresFree guidance on how to get your credit reports, what is in them, and how to correct errors.www.consumerfinance.gov/consumer-tools/credit-reports-and-scores
CFPB: how to dispute an error on your credit reportStep-by-step explanation of your right to dispute errors with the credit reporting company and the company that supplied the information.www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314

Borrowing and debt help

Find a HUD-approved housing counselor (CFPB)A search tool for housing counseling agencies approved by the U.S. Department of Housing and Urban Development. They can help with buying, renting, falling behind on a mortgage and credit issues, often free or at low cost.www.consumerfinance.gov/find-a-housing-counselor
CFPB: debt collectionFree information on your rights when a debt collector contacts you, how to check whether you owe a debt and how to spot a debt collection scam.www.consumerfinance.gov/consumer-tools/debt-collection

Tax filing help and benefits

IRS free tax return preparation (VITA and TCE)The Volunteer Income Tax Assistance and Tax Counseling for the Elderly programs offer free basic tax return preparation to people who qualify.www.irs.gov/individuals/free-tax-return-preparation-for-qualifying-taxpayers
IRS: do your taxes for freeThe IRS page listing free ways to file a federal tax return online, including IRS Free File for people under an income limit.www.irs.gov/e-file-do-your-taxes-for-free
Earned Income Tax Credit (IRS)Explains the tax credit for workers and families with low to moderate income, who qualifies and how to claim it.www.irs.gov/credits-deductions/individuals/earned-income-tax-credit-eitc
Taxpayer Advocate ServiceAn independent organization within the IRS that helps, free of charge, with tax problems you can’t resolve with the IRS on your own.www.taxpayeradvocate.irs.gov
USAGov benefit finderA free federal tool to find government benefits and financial help you may qualify for, and how to apply.www.usa.gov/benefit-finder

Scams, identity theft and complaints

ReportFraud.ftc.govThe Federal Trade Commission’s free site for reporting fraud, scams and bad business practices.reportfraud.ftc.gov
IdentityTheft.govThe federal government’s free site to report identity theft and get a step-by-step recovery plan.www.identitytheft.gov
Internet Crime Complaint Center (IC3)The FBI’s center for reporting internet and cyber-enabled crime, including online fraud. It never charges to recover money.www.ic3.gov
CFPB: fraud and scamsFree information from the CFPB on common scams, identity theft and how to report them.www.consumerfinance.gov/consumer-tools/fraud
CFPB: submit a complaintA free way to complain about a financial product or service, such as a bank account, credit card, credit report or debt collector. The CFPB sends your complaint to the company for a response.www.consumerfinance.gov/complaint

Checked

Every link, opened.

Each page linked here was opened and checked on 19 October 2026. Services change: if a link no longer says what we describe, the official page is right. Tell us at hello@moraph.org.

Last reviewed October 2026

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