In an effort to do our part to help all Minnesotans stay healthy, we are asking everyone who would like to request a paper copy of one of our publications to please be patient.  We are temporarily suspending the mailing of physical publications. Once the COVID-19 crisis is over, we will resume our normal practice of mailing publications to consumers. We are still committed to serving you in the best and most timely way possible. If you would like to speak with an analyst, we ask that you please call us. If you need help with a consumer problem and would like this Office to contact an organization on your behalf, we ask you to file a complaint using the Online Consumer Assistance Request Form. Thank you for your understanding.


All publications on this page are free to Minnesota residents. You may view and print an electronic copy by clicking the PDF or HTML link to the right of the publication’s title.

For a listing of publications available in Spanish, see section below entitled “Español.”
Para una lista de publicaciones disponibles en español vea la sección titulada “En Español.”

* Publication is a Handbook


Buying a Car: Optional Products (PDF) (HTML)
Car Handbook* (PDF) (HTML)
Car Shops: Truth in Repairs (PDF) (HTML)
Curbstoning (PDF) (HTML)
Flooded or Salvaged Used Cars (PDF) (HTML)
Minnesota's Car Laws (PDF) (HTML)
Motor Vehicle Service Contracts (PDF) (HTML)
Online Car Sales (PDF) (HTML)
Renting a Car (PDF) (HTML)
Transferring Title to a Motor Vehicle (PDF) (HTML)
Used Car Shopping (PDF) (HTML)

Charitable Giving

Charitable Athletic Events: How to Stay on Course (PDF) (HTML)
Checking Up On Charities and Their Fundraisers (PDF) (HTML)
Do Not Just Follow the Crowd on "Crowdfunding" Websites (PDF) (HTML)
Donating Your Vehicle to Charity (PDF) (HTML)
Giving to Charities: Facts, Scams, and Tips (PDF) (HTML)
Guide for Charity Board Members (PDF) (HTML)
Guide to Minnesota's Charities Laws (PDF) (HTML)
Nonprofit Organization Resources (PDF)
What Individuals Need to Know When Raising Money for a Charitable Cause (PDF) (HTML)

Computers & Internet

Computer Malware and Phishing Schemes (PDF) (HTML)
Computer Scams (PDF) (HTML)
How to Contest Online Business Reviews (PDF) (HTML)
Internet and Television Service Bait and Switch (PDF) (HTML)
Internet Classified Scams (PDF) (HTML)
Internet Safety: How to Protect Yourself Against Hackers (PDF) (HTML)
Look-alike Websites (PDF) (HTML)
Malicious Emails (PDF) (HTML)
Online Auctions (PDF) (HTML)
Prevent Cyberbullying and Online Harassment (PDF) (HTML)
Social Media Scams (PDF) (HTML)
Using Public Wi-Fi Networks (PDF) (HTML)
What You Can Do About Junk Email (PDF) (HTML)

Courts, Procedures, & Legal Rights

Answering a Lawsuit (PDF) (HTML)
Common Employment Issues (PDF) (HTML)
Conciliation Court* (PDF) (HTML)
Contract Cooling-Off Periods (PDF) (HTML)
Garnishment (PDF) (HTML)
Government Assistance & Labor Poster Scams (PDF) (HTML)
Guide for Victims of Stalking (PDF) (HTML)
Hiring an Attorney (PDF) (HTML)
How to Assert Your Rights as a Consumer (PDF) (HTML)
Rights and Resources for Victims of Domestic Abuse (PDF) (HTML)
Sex Trafficking (PDF) (HTML)
THE ZONE: Drug-Free Zones (PDF) (HTML)
Unclaimed Property (PDF) (HTML)
Unordered Merchandise (PDF) (HTML)
Vulnerable Adult Abuse (PDF) (HTML)

Credit & Personal Finance

ATM and Gas Pump Skimmers (PDF) (HTML)
Card Services Scams (PDF) (HTML)
Coronavirus Stimulus Payment FAQs (PDF) (HTML)
Cosigning a Loan (PDF) (HTML)
Credit Card Statements (PDF) (HTML)
Credit Handbook (PDF) (HTML)
Credit Report Security Freezes and Fraud Alerts (PDF) (HTML)
Credit Reports (PDF) (HTML)
Credit Scores (PDF) (HTML)
Debt Assistance Scams (PDF) (HTML)
Debt Buyers (PDF) (HTML)
Debt Collection Fact Sheet* (PDF) (HTML)
Fraudulent Coin Dealers (PDF) (HTML)
Gift Cards and Gift Certificates (PDF) (HTML)
Gift Cards: There's No Such Thing as a Free Lunch (PDF) (HTML)
How to Dispute Bogus Credit, Debit, and ATM Card Charges (PDF) (HTML)
Internet Loans (PDF) (HTML)
Living Trust Mills (PDF) (HTML)
Payday Loans (PDF) (HTML)
Pension Advance Schemes (PDF) (HTML)
Probate and Planning (PDF) (HTML)
Refinancing Scams (PDF) (HTML)
The Holder Rule: Loans on Defective or Fraudulent Products (PDF) (HTML)
Unwanted Credit Card Offers (PDF) (HTML)
When Debt Collectors Come Calling and You Don't Owe the Money* (PDF) (HTML)

Health Care

Dose of Reality: Prescription Painkiller Abuse (PDF) (HTML)
Health Care Credit Cards (PDF) (HTML)
Know Your Hospital Status (PDF) (HTML)
Long-Term Care Insurance (PDF) (HTML)
Managing Your Health Care (PDF) (HTML)
Medical Alert Scams (PDF) (HTML)
Medical Billing (PDF) (HTML)
Nursing Homes and Assisted Living (PDF) (HTML)
Unlicensed Health Plans (PDF) (HTML)

Housing & Utilities

Buying A Timeshare (PDF) (HTML)
Community Solar Gardens (PDF) (HTML)
Condominium and Townhome Associations (PDF) (HTML)
Disaster Information (PDF) (HTML)
Facing Mortgage Foreclosure (PDF) (HTML)
Hiring a Mover (PDF) (HTML)
Home Building and Remodeling (PDF) (HTML)
Home Buyer's Handbook (PDF) (HTML)
Home Improvement Scams (PDF) (HTML)
Home Seller's Handbook (PDF) (HTML)
Landlords and Tenants* (PDF) (HTML)
Manufactured Home Parks* (PDF) (HTML)
Mortgage Assistance Scams (PDF) (HTML)
Mortgage Fact Sheet (PDF) (HTML)
Moving into an Apartment (PDF) (HTML)
Out-of-State Companies Posing as Local Locksmiths (PDF) (HTML)
Propane Gas (PDF) (HTML)
Real Estate Deed Solicitation Scams (PDF) (HTML)
Rental Listing Scams (PDF) (HTML)
Television Service (PDF) (HTML)
Utility Disconnection (PDF) (HTML)
Vacating Your Apartment (PDF) (HTML)

Identity Theft & Protecting Personal Information

Equifax Data Breach (PDF) (HTML)
Guarding Your Privacy (PDF) (HTML)
Phishing (PDF) (HTML)
Protect Personal Information (PDF) (HTML)
Protect Yourself from Identity Theft (PDF) (HTML)
Public Information and the Internet (PDF) (HTML)
Spear Phishing (PDF) (HTML)
Tax Related Identity Theft and Other Tax Scams (PDF) (HTML)
What to Do When Your Personal Information is Breached (PDF) (HTML)
When in Doubt, Don't Give it Out (PDF) (HTML)


"Can You Hear Me?" Scam Calls (PDF) (HTML)
"Spoofed" Local Phone Numbers (PDF) (HTML)
Calls from Your Own Phone Number (PDF) (HTML)
Do Not Call Registry and Unwanted Calls (PDF) (HTML)
Do Not Dial "1" to Stop Bogus Calls (PDF) (HTML)
Do Not Get "Crammed" - Avoid Unwanted Charges on Your Phone Bill (PDF) (HTML)
Prepaid Calling Cards (PDF) (HTML)
Reducing Unwanted Calls and Mail (PDF) (HTML)
Smartphone Scams (PDF) (HTML)
Telephone Slamming (PDF) (HTML)
Text Message Phishing - or "Smishing" - Scams (PDF) (HTML)
The Phone Handbook (PDF) (HTML)
Understanding Your Telephone Bill (PDF) (HTML)
Voice Phishing - or "Vishing" - Calls (PDF) (HTML)
Wireless Phones (PDF) (HTML)

Scams & Schemes

Advance Fee Loan Schemes & Other Financial Scams (PDF) (HTML)
Business Compliance Solicitation Scams (PDF) (HTML)
Credit Card Processing Service Solicitations (PDF) (HTML)
Door-To-Door Security Alarm Sales (PDF) (HTML)
Employment Scams (PDF) (HTML)
Estate Sale Scams (PDF) (HTML)
Fake Check Scams (PDF) (HTML)
Fake Invoices Targeted at Businesses (PDF) (HTML)
Foreign Lotteries (PDF) (HTML)
Free Trial Offers Usually Have Strings Attached (PDF) (HTML)
How to Spot a Scam (PDF) (HTML)
Imposter Scams (PDF) (HTML)
Internet Escrow Scams (PDF) (HTML)
Intimidation Scams (PDF) (HTML)
IRS Imposters Continue to Call (PDF) (HTML)
Jamaican Lottery Scam (PDF) (HTML)
Magazine Subscription Solicitations (PDF) (HTML)
Modern Technology Fuels Old Scams (PDF) (HTML)
Online Dating and Romance Scams (PDF) (HTML)
Phony Debt Collection Scams (PDF) (HTML)
Phony Solicitations for Grants (PDF) (HTML)
Premature Magazine Renewal Notices (PDF) (HTML)
Prepaid Debit Card Scams (PDF) (HTML)
Real Deal on Rebates (PDF) (HTML)
Recovery Scams: Don't Be Scammed Again (PDF) (HTML)
Secret Shopper Scams (PDF) (HTML)
Small Business Advertising Scams (PDF) (HTML)
Survey Scams (PDF) (HTML)
Sweepstakes Scams (PDF) (HTML)
Tax Preparer Fees and "Tax Time" Financial Products (PDF) (HTML)
Tax Relief Scams (PDF) (HTML)
Timeshare Resale Scams (PDF) (HTML)
Utility Shut-Off Scams (PDF) (HTML)
Vacation Travel Packages (PDF) (HTML)
Work-at-Home Scams (PDF) (HTML)


Annuities: Unsuitable Investments for Seniors (PDF) (HTML)
Don't Throw Your Retirement Savings Down the Drain (PDF) (HTML)
Door-To-Door Sales and Telemarketers That Target Seniors (PDF) (HTML)
Financial Powers of Attorney (PDF) (HTML)
Medicare and Social Security Scams (PDF) (HTML)
Reverse Mortgages (PDF) (HTML)
Scams Targeting Grandparents (PDF) (HTML)
Seniors' Guide to Fighting Fraud (PDF) (HTML)
Seniors' Legal Rights (PDF) (HTML)
Unwanted Mail to Seniors (PDF) (HTML)


For-Profit Colleges: Do Your Homework (PDF) (HTML)
Scholarship and Financial Aid Scams (PDF) (HTML)
Student Loan Assistance Scams (PDF) (HTML)
Student Loan Handbook (PDF) (HTML)


Military Service Members Relief (PDF) (HTML)
Veterans and Service Members (PDF) (HTML)


¿Cómo Podemos Ayudar? (PDF)
Corte de Conciliación (Conciliation Court) (PDF)
Cuando los cobradores de deudas llaman Y usted no debe el dinero (When Debt Collectors Come Calling and You Don't Owe the Money) (PDF)
Dueños E Inquilinos (Landlords and Tenants) (PDF)
El Manual Del Auto (Car Handbook) (PDF)
Hoja de Datos de Colección de Deuda (Debt Collection Fact Sheet) (PDF)
La Seguridad Económica de las Mujeres en Minnesota (PDF)
Parques de Casas Moviles (Manufactured Home Parks) (PDF)
Robo de Salario (PDF)
Ser Mal Clasificado Como Contratista Independiente (PDF)


Consumer Assistance Request Form (PDF) (HTML)
Fraud Report Form (PDF) (HTML)
How We Can Help (PDF)


Independent Contractor Misclassification (PDF) (HTML)
Wage Theft (PDF) (HTML)
Women’s Economic Security in Minnesota (PDF) (HTML)