MAGAZYN KIESZEŃ (272) 08.24. 2019

Are You Entitled to Claim Money from the Equifax Settlement Agreement?

In September of 2017, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories. The settlement includes up to $425 million to help people affected by the data breach.

Here’s what you need to do to determine whether your credit data has been compromised and the options that you have if your social security number appears as one of the 147 million credit records.

Use this link to the FTC and enter in the last 6 digits of your social security number. (WARNING: there are other websites out there that are asking for your information. Don’t use them—use this one – https://www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement )
The website will tell you whether you are eligible to file a claim.
There are 4 claim options:
1. Cash or Pre-paid credit card of $125
2. Or, Free credit monitoring for 4 years and $1 million dollars of identity theft insurance
3. Or, free credit monitoring for 6 years (no insurance)
4. Or, You incurred loss of money and time due to identity theft. If you claim less than 10 hours, you must describe the actions that you took to fix the issues. If you claim 10 hours or more, you must provide documentation. Maximum claim is $20,000.

Your claim must be filed by January 22, 2020.

Claims will be reviewed starting January 23, 2020 but no date has been set when the money will be sent or the credit monitoring option will begin.

One more thing…It used to be that you could ask for one free credit report per year. Now as part of the settlement, consumers can get up to 6 credit reports per year from Equifax for up to 7 years.

CENY @ 4:00 PM 08.23.2019

10 yr note:               1.52% -9 bp
5 yr note:                 1.40% -9 bp
2 Yr note:                1.515% -9.5 bp
30 yr bond:             2.02% -8 bp
Libor Rates:             1 mo 2.145%; 3 mo 2.132%; 6 mo 2.042%; 1 yr 1.973% (8/22/19)
30 yr FNMA 3.5:    102.63 +11 bp (+9 bp frm 9:30)
15 yr FNMA 3.0:    102.42 +5 bp (4 bp frm 9:30)
30 yr GNMA 3.5:   103.84 +8 bp (+12 bp frm 9:30)
Dollar/Yuan:          $7.0960 +$0.0123
Dollar/Yen:            105.30 -1.15 yen
Dollar/Euro:           $1.1150 +$0.0068
Dollar Index:         97.62 -0.55
Gold:                      $1538.50 +$30.00
Crude Oil:             $53.95 -$1.40
DJIA:                     25,628.90 -623.34
NASDAQ:             7751.77 -239.62
S&P 500:              2847.11 -75.84

Poland

Name	Value	Net Change	% Change	1 Month	1 Year	Time (EDT)
WIG20:IND WIG 20	2,103.68	-4.37	-0.21%	-8.77%	-9.04%	11:15 AM
WIG:IND WSE WIG INDEX	56,047.39	-71.53	-0.13%	-6.82%	-6.43%	11:15 AM
WIG30:IND WIG30	2,406.12	-3.97	-0.16%	-8.63%	-8.64%	11:15 AM

Currency	Value	Change	Net Change	Time (EDT)
EUR-USD	1.1144	0.0064	+0.58%	4:59 PM
USD-JPY	105.3900	-1.0500	-0.99%	4:59 PM
GBP-USD	1.2266	0.0015	+0.12%	4:59 PM
AUD-USD	0.6756	-0.0001	-0.01%	4:59 PM
USD-CAD	1.3283	-0.0020	-0.15%	4:59 PM
USD-CHF	0.9743	-0.0094	-0.96%	4:59 PM

USD-CZK	23.2309	-0.0419	-0.18%	4:59 PM
USD-SKK	27.0300	-0.1606	-0.59%	4:59 PM
USD-PLN	3.9234	-0.0091	-0.23%	4:59 PM
USD-HUF	295.1100	-1.0900	-0.37%	4:59 PM
USD-RUB	66.0500	0.4150	+0.63%	4:58 PM

Today’s Rates

Best Execution

Rate

Change

30 Yr FRM

3.63%

-0.02

15 Yr FRM

3.33%

-0.01

FHA 30 Year Fixed

3.30%

-0.01

Jumbo 30 Year Fixed

3.75%

-0.01

5/1 Yr ARM

3.42%

-0.02

Current Mortgage Rates »

What are best-execution rates?

Average Mortgage Rates

Rate

Points

Change

FHFA *

15 Yr. Fixed

3.79%

1.21

-0.12

30 Yr. Fixed

4.39%

1.12

-0.22

MBA **

30 Yr. Fixed

4.12%

0.38

+0.08

15 Yr. Fixed

3.48%

0.32

+0.06

30 Yr. Jumbo

4.07%

0.21

+0.04

30 Yr. FHA

4.01%

0.28

+0.04

5/1 ARM

3.58%

0.27

+0.02

Freddie Mac **

30 Yr. Fixed

3.55%

0.50

-0.05

15 Yr. Fixed

3.03%

0.50

-0.04

1 Yr. ARM

2.68%

0.20

+0.01

5/1 Yr. ARM

3.32%

0.30

-0.03

Current Mortgage Rates »

* FHFA averages are updated monthly.
** Mortgage Bankers Association (each Wednesday) and Freddie Mac (each Thursday) averages are updated weekly.

Secondary Markets

MBS

Price

Change

30YR FNMA 3.0

101.66

+0.14

30YR FNMA 3.5

102.61

+0.09

30YR GNMA 3.0

102.84

+0.11

30YR GNMA 3.5

103.86

+0.09

15YR FNMA 3.0

102.50

+0.13

15YR FNMA 2.5

101.25

+0.14

Treasuries

Yield

Change

2 YR

1.5311%

-0.0810

5 YR

1.4141%

-0.0838

10 YR

1.5334%

-0.0797

30 YR

2.0272%

-0.0768

Prices as of: 8/23/2019 5:05PM EST

Top of Form

Week	Month	1-Year	3-Year

Bottom of Form

[click item to view chart]

Current

Previous

Quote

Day

Week

Aug 23, 2019

Aug 22, 2019

Aug 16, 2019

Quote

% Chg

Quote

% Chg

Quote

% Chg

Macroeconomic Statistics

Jul Core US CPI Rate

2.2%

4.8%

2.1%

0.0%

2.1%

0.0%

Jun Core US PCE Idx

1.60%

6.7%

1.50%

0.0%

1.50%

0.0%

Jul Non-Farm Payroll

164,000

-26.8%

224,000

0.0%

224,000

0.0%

Mortgage Rates

30 Yr FXD avg

3.55%

-1.4%

3.60%

0.0%

3.60%

-5.5%

15 Yr FXD avg

3.03%

-1.3%

3.07%

0.0%

3.07%

-5.0%

Fundamentals

1 Year CMT

1.7350%

-3.3%

1.7950%

4.5%

1.7170%

-13.1%

10 Year CMT

1.59%

2.6%

1.55%

-2.5%

1.59%

-22.4%

2-Year Treasury

1.5130%

-6.1%

1.6120%

8.5%

1.4860%

-18.4%

10-Year Treasury

1.5180%

-5.9%

1.6130%

3.3%

1.5620%

-23.8%

30-Year Treasury

2.0230%

-3.8%

2.1040%

2.9%

2.0440%

-20.7%

12 MTA

2.444%

-1.5%

2.482%

0.0%

2.482%

0.0%

USD 6M LIBOR

2.0425%

0.8%

2.0254%

0.6%

2.0140%

-7.8%

USD 12M LIBOR

1.9733%

1.0%

1.9543%

1.1%

1.9325%

-11.8%

USD 1M LIBOR

2.1453%

-1.0%

2.1666%

-0.7%

2.1820%

-3.7%

11th District COFI

1.141%

-0.3%

1.144%

0.0%

1.144%

0.0%

Federal Funds

2.25%

0.0%

2.25%

0.0%

2.25%

-10.0%

Gold, Mini $/oz

1533.00

1.6%

1508.50

-1.0%

1523.60

6.8%

Currencies

EUR/USD

1.1142

0.6%

1.1080

-0.2%

1.1100

-0.4%

USD/JPY

105.5209

-0.9%

106.4681

0.2%

106.3079

-1.9%

GBP/USD

1.2271

0.1%

1.2260

0.9%

1.2151

-2.6%

USD/CAD

1.3317

0.1%

1.3300

0.2%

1.3270

1.0%

AUD/USD

0.675461

-0.1%

0.676263

-0.3%

0.678371

-2.9%

USD/CHF

0.9749

-0.9%

0.9837

0.5%

0.9788

-0.6%