Wendy and her husband have been renting a home for seven months. They discovered a mold issue in October and notified the landlord. The landlord is releasing them from their lease but not prorating the rent.

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CHICAGO (MarketWatch) — The state of New York is suing Bank of America Corp. , Wells Fargo & Co. and JPMorgan Chase & Co. , claiming that they made fradulent use of an electronic mortgage database, according to published reports Friday. Attorney General Eric Schneiderman said the database, known as the Mortgage Electronic Registration Systems (MERS), has been used so that banks can “evade county recording fees [and] avoid the need to publicly record mortgage transfers,” thereby making it easier to sell mortgages in large numbers, Reuters reported. [...]

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Dave is trying to help some young people determine the best way to do a budget. Cash is short at the beginning of the month, but at the end of the month, there’s extra available. What’s the solution to this issue?

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Cindy and her husband can’t seem to agree on the envelope system and their budget. The biggest issues are blow money, setting a budget for vacation and Christmas, and sticking to the budget in each envelope.

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Companies can’t cheat their customers without our help. Here are five ways to stop enabling unethical behavior and start keeping companies honest.

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Part of the price we pay for gold is that increased demand has resulted in the expansion of small-scale mining operations and, tragically, child slave labor and economic exploitation. But new laws will help better identify the source of gold as a “conflict metal” and there’s a growing movement for consumers to seek out fair-trade jewelers. [...]

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New regulations have made it harder for banks to charge overdraft fees. Launch this infographic to discover the sneaky ways that banks are trying to recoup the income they lost from these service fees.

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Jeff has a 4.5% mortgage through his in-laws. The bank will offer 3.25% on a 15-year mortgage. Should he refinance, and what is Dave’s formula for paying for improvements to the house?

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The blogosphere is buzzing over a pending lawsuit that raises the question: At what point do your tweets become company property?

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WASHINGTON (MarketWatch) – The Federal Reserve may push supervisors to accept banks and the government-owned mortgage buyers renting out the homes they own, according to a paper issued by the central bank setting out ways to improve the housing market. In a letter to the heads and ranking members of the House and Senate banking committees, Federal Reserve Chairman Ben Bernanke also said he would push banks and the big buyers of mortgages, Fannie Mae and Freddie Mac, to “find an appropriate balance between prudent lending and appropriate consumer protection, on the one hand, and not unduly restricting mortgage credit, on the other hand. [...]

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