Consumer News & Views - American Consumer Council
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SEPT. 2021 FALL
Consumer News & Views
THE OFFICIAL MONTHLY NEWSLETTER OF THE AMERICAN CONSUMER COUNCIL
In This Issue
Consumer confidence
"deteriorated"
Consumer confidence fell sharply in August, according to
COVID TRAVEL The Conference Board’s Consumer Confidence Index®,
RULES BY STATE P2 which was just released Tuesday, August 31.
The index now stands at 113.8 (1985=100), down from 125.1
BUYING A CAR? THINGS points in July, which was a downward revision of the
TO CONSIDER P4 originally published index.
This was its lowest level since February 2021, when the
CHECK-FRAUD TIPS P7 results—at the start of the new administration the availability
of a COVID-19 vaccine—where just 95.2. In the months in
between February and July, confidence had risen
considerably.
CREDIT UNIONS P8
The Present Situation Index—based on consumers’
assessment of current business and labor market conditions
—fell 10 points in August, to 147.3, from 157.2 points in July.
ACC WRAP UP P10
And the Expectations Index—based on consumers’ short-
term outlook for income, business, and labor market
conditions—fell to 91.4 from 103.8 last month.
——See CONFIDENCE, P4
NEWS & VIEWS PAGE 1
SEPTEMBER 2021 FALL
Consumer COVID-19 travel restrictions state-by-state
(CNN, August 4, 2021) — Alabama
Total cases of Covid-19 There are no statewide travel
reached around the 35.2 restrictions in Alabama. You
million mark in the United can check here for updates.
States by early August 2021. Alaska
Domestic US travel picked up There are no statewide travel
considerably in the summer restrictions in Alaska. All
of 2021. Very few states had travelers to Alaska can get a
travel restrictions as we free COVID-19 vaccine at
entered August. (Note: As of participating airports. Check
Aug. 25, total deaths in the here for updates. Florida
U.S. were 631,000.) Arizona There are no statewide
Despite all the eliminated There are no statewide travel travel restrictions in Florida.
restrictions, new troubles restrictions in Arizona. Check Keep in mind Florida is in the
have emerged. The here for updates. Here's a grips of a COVID surge
combination of unvaccinated direct link for information on because of the Delta variant.
people and the more Native American lands in the Check here for updates.
contagious Delta strain of state. Georgia
coronavirus has led to a new Arkansas There are no statewide
COVID-19 surge in the United There are no statewide travel travel restrictions in Georgia.
States. restrictions in Arkansas. Check Check here for updates.
As of August 4, the Centers here for updates. Hawaii
for Disease Control and California As of August 4, Hawaii still
Prevention still warned California is fully open except had some of the strictest entry
against non-essential travel for restrictions on large events requirements in the United
for people who are not fully (10,000 outdoors and 5,000 States. People who aren't fully
vaccinated. Fully vaccinated indoors). You can click here to vaccinated still need a
travelers do not need to self- find out local travel negative COVID-19 test to
quarantine, and they don't information. Masks are enter. When the state reaches
need to test negative before required for everyone in indoor a 70% vaccination rate, all
or after their travels unless public settings in some travel restrictions will be
the destination requires it, counties, including Los dropped. Check here for more
CDC guidance says. Angeles. You can check here information. UPDATE Aug.
[Those vaccinated] are still for updates on California more 24: New visitor rules
required to wear masks on generally. https://www.hawaii-
public transportation and in Colorado guide.com/hawaii-travel-
transportation hubs such as There are no travel restrictions.
airports and are advised to restrictions in Colorado. You Idaho
wear masks in indoor public can check here for general There are no statewide
places with significant COVID updates about the state. You travel restrictions in Idaho.
transmission. If you do decide can click here for regional Check here for updates.
to travel to another state or information about what's open. Illinois
territory, you should still Part of Interstate 70 is closed
check out the latest local There are no statewide
because of mudslides. travel restrictions in Illinois.
guidance before you go. Connecticut
Make sure to take your CDC Check here for updates.
Connecticut no longer has Chicago has a separate
vaccination card with you travel restrictions. COVID-19
everywhere you go, just in system that advises COVID-19
tests and quarantines for non- testing or quarantine if the
case you are asked for proof vaccinated travelers are now
of vaccination. unvaccinated visitor comes
just recommended but not from a state with a significant
Even though almost all required. Travelers are asked to
states have dropped their infection rate. As of August 4,
follow CDC travel guidelines. there were 19 states and two
travel restrictions, their official Please check here for updates.
websites have important territories on the "orange list"
Delaware that asks for testing or
COVID-19 safety information. There are no statewide travel
The following list is quarantine.
restrictions in Delaware. Check
alphabetical and includes here for updates.
links to state websites.
——See TRAVEL, P3
NEWS & VIEWS PAGE 2
SEPTEMBER 2021 FALL
Travel, cont' Minnesota
There are no official
New York
As of June 25, New York
statewide travel restrictions in state dropped all travel
Indiana Minnesota. Find out more: restrictions but check here for
There are no statewide Explore Minnesota | Minnesota updates, as they have a new
travel restrictions in Indiana. Department of Health. governor as of August 25.
Check here for updates. Mississippi North Carolina
Iowa There are no statewide travel There are no statewide
There are no statewide restrictions in Mississippi. travel restrictions in North
travel restrictions in Iowa. Check here for updates. Carolina. Check for updates.
Check here for updates. Missouri North Dakota
Kansas There are no statewide travel There are no statewide
While mostly open, Kansas restrictions in Missouri. Check travel restrictions in North
has had some rather specific here for updates. Dakota. Click here for updates.
quarantine requirements Montana Ohio
based on previous travel There are no statewide travel There are no statewide
destinations and when you restrictions in Montana. Please travel restrictions in Ohio. The
went there. They are subject check here for updates. Check state encourages travelers to
to frequent change. Check here for information on Native follow CDC guidance. Check
here for updates and more American reservations. here for details.
details. Nebraska Oklahoma
Kentucky There are no statewide travel There are no statewide
Leisure travel is discouraged restrictions in Nebraska. Check travel restrictions. Check here
unless you're fully vaccinated, here for updates. for updates.
but Kentucky has no official Nevada Oregon
travel restrictions. Kentucky's There are no statewide travel There are no longer any
travel advisory is located here. restrictions in Nevada. Check travel restrictions in Oregon.
Louisiana here for updates. Check here for updates.
There are no statewide New Hampshire Pennsylvania
travel restrictions in Louisiana. Domestic visitors to New There are no statewide
Check here for updates. Hampshire no longer need to travel restrictions in
Maine quarantine or take a COVID-19 Pennsylvania. Check here for
Visitors from all states are test to travel to New updates.
exempt from travel Hampshire, but it is still Rhode Island
restrictions unless recommended to get tested Domestic travelers – fully
determined otherwise by the three to five days after arrival. vaccinated or not – do not
Maine CDC. Travelers must However, people who have had need to quarantine if it's been
quarantine for 10 days upon traveled internationally within at least 14 days since your final
arrival and fill out a travel 10 days of arriving in New vaccine, and you have not
protocol form if they are Hampshire or have been on a showed symptoms of COVID-
arriving from a nonexempt cruise ship do need to follow 19 before traveling to Rhode
state. Check here for updates testing and quarantine Island. International travelers
and here for FAQs. protocols unless they meet must follow US testing
Maryland certain exceptions. Check here guidelines. You can check
There are no statewide for important details. here for updates.
travel restrictions in Maryland. New Jersey South Carolina
Find out more at There are no statewide travel There are no statewide
VisitMaryland guide. restrictions in New Jersey. travel restrictions in South
Massachusetts Please click here for details and Carolina. Check here for
Massachusetts encourages updates. updates.
only fully-vaccinated people New Mexico South Dakota
to travel, but it has no formal There are no statewide travel No statewide travel
travel restrictions. Check here restrictions in New Mexico. restrictions in South Dakota.
for updates. More information: New Mexico Check here for updates.
Michigan Department of Health | New Tennessee
There are no statewide Mexico Travel Advisory. There are no statewide
travel restrictions in Michigan. New York travel restrictions in
Check here for updates and As of June 25, New York state Tennessee. Check for updates.
this PDF on Michigan travel dropped all travel restrictions.
safety. Check here for updates. ——See MORE TRAVEL, P7
NEWS & VIEWS PAGE 3
SEPTEMBER 2021 FALL
Thinking of buying a car?
Keep these credit considerations in mind
A car is one of the biggest
purchases you’ll ever make,
and it can be a serious
financial commitment. It’s
worth the effort to shop for the
right car at the right price, but
that’s not the only important
consideration.
Taking the time to prepare
your credit for the purchase
may help you save significant
money on your loan terms.
When buying a car, credit
health is very important. Here
are some tips to get your
credit as healthy as possible as
you start your car search:
Know what’s in your
credit report
An important first step before shows you should be able to While it may result in
making a major purchase is handle the additional car multiple hard inquiries, some
knowing where you stand. Get payments each month. credit scoring models will
your credit report and read Make all payments on time recognize you’re making a
through it to make sure it’s an Late payments are another smart credit move and only
accurate representation of major factor that can have a count them as one inquiry in
your history with credit. significant negative impact on score calculations. This is
Although rare, inaccuracies your credit health. If you’ve sometimes referred to as
can happen. You can dispute missed a payment in the past, bunching.
items that are inaccurate or there’s no way to get it removed Credit scoring models handle
the result of fraud. from your report if it’s accurate. bunching differently. Some
Check to be sure you But going forward, be mindful require all inquiries to occur
recognize your personal to prevent more negative marks within a 14-day span, while
information and that account from appearing on your report. others allow up to 45 days for
information is accurate. Setting up automatic payments rate shopping.
Lenders tend to provide or creating reminders for What if I have a short or no
updates once a month. If you yourself can help. A history of credit history?
recently made a payment on a on-time payments can give It’s possible to buy a car even
credit account and don’t see it lenders confidence you’re if you have a limited credit
reflected on your report, it may capable of consistently paying history or credit in need of
just take some time for it to bills promptly. improvement. In this case,
show up. Limit new inquiries as lenders and dealers will have
Pay down credit card much as possible specific requirements to
balances It may be a good idea to avoid approve a loan, which may
Your utilization rate, which seeking out any additional require a cosigner or a large
measures how much of your credit as you start looking for an down payment.
available credit limit you’re auto loan. Hard inquiries, which Being mindful of your credit
actively using, is an important can appear on your report when and making sound decisions in
factor for your credit health. you apply for new credit, aren’t advance of a car purchase can
Paying down your revolving as impactful to your credit help save some serious money.
credit balances, like credit health as your payment history Remember, your credit is a part
cards, is a smart move before or utilization rate. But they of your larger financial story. If
any major purchase. could be a signal that you’re you continue to practice
Getting below 30% utilization seeking out additional credit, healthy habits like keeping
is a good start, but the lower which may give some lenders your debt load as low as
the better. While there’s no pause. Limiting new inquiries is possible and making all
true “quick fix” for your credit, smart, but comparing auto loan payments on time, not only will
this is one of the easiest ways options is important too. When it reflect positively in your day-
to better your credit health in rate shopping for a loan, try to to-day finances, but your credit
the short term as you complete your applications with health should follow.
anticipate your car purchase. different lenders in a short
Keeping your balances low time frame.
NEWS & VIEWS PAGE 4
SEPTEMBER 2021 FALL
Confidence, cont'
curtailing their spending in the The Conference Board
With come unemployment months ahead." publishes the Consumer
and rental security support Confidence Index® at 10 a.m.
programs ending in This monthly report details ET on the last Tuesday of every
September, concerns rose, consumer attitude, buying month. Subscription
despite President Biden's intentions, vacation plans and information and the technical
confidence that the economy consumer expectation for notes to this series are
is rebounding. inflation, stock prices and available on The Conference
interest rates. Data are Board website.
“Consumer confidence available by age, income,
retreated in August to its region and the top 8 states. In their recent "Year in
lowest level since February Review" report, available on
2021 (95.2),” said Lynn Franco, The monthly Consumer their website, The Conference
Senior Director of Economic Confidence Survey®, based Board touted numbers they
Indicators at The Conference on an online sample, is produced during 2020; with
Board, in a press release. conducted for The Conference 394 reports, 65 podcasts, 41
“Concerns about the Delta Board by Toluna, a technology conferences, 605 expert
variant—and, to a lesser company that delivers real- briefings, 106 councils, 100
degree, rising gas and food time consumer insights and webcasts, 121,698 unique
prices—resulted in a less market research through its visitors to the COVID-19 hub,
favorable view of current innovative technology, and 300 new member
economic conditions and expertise, and panel of over companies.
short-term growth prospects. 36 million consumers. The
cutoff date for the preliminary To learn more or become a
"Spending intentions for results was August 25. member, visit conference-
homes, autos, and major board.org/us.
appliances all cooled Additional metrics are
somewhat; however, the available here. The next Consumer
percentage of consumers Confidence Survey report is
About The Conference due Tuesday, September 28,
intending to take a vacation
Board at 10 a.m. (ET).
in the next six months
continued to climb. While The Conference Board is
the resurgence of COVID-19 the member-driven think tank
and inflation concerns have that delivers trusted insights
dampened confidence, it is for what’s ahead. Founded
too soon to conclude this in 1916, they are a non-partisan,
decline will result in not-for-profit entity holding
consumers significantly 501(c)(3) tax-exempt status in
the United States.
NEWS & VIEWS PAGE 5
SEPTEMBER 2021 FALL
Amazon SMILE
Program Benefits
As an eligible nonprofit,
ACC recently registered with
Amazon’s SMILE program,
which donates 0.5% of the
price of eligible purchases to
the charities selected by
Amazon customers.
There are no fees or extra
GIVE BACK TO ACC
costs involved.
When customers like you go
to Amazon on any given day
American Airlines Consumer Flight Benefits to shop, you can select from
over a million registered
Now you can help ACC travel documents: charities, but we hope you
accrue travel miles for the Phone: Call American Airlines at will pick ours as your charity
organization, which they can 1-800-433-1790 and ask the of choice. As a result, we
eventually use when staff agent to add the ACC Business want to make it even easier
must travel to area affiliates or ExtrAA account number for you, by providing the link
voting members need to (878585) to each eligible ticket. you need to donate to us.
attend annual meetings. All Online: While logged into your Here is the link:
you need to do is include American Airlines account on https://smile.amazon.com/ch/
ACC’s “Business ExtrAA” www.aa.com, input ACC’s 33-0718596.
number: 878585 whenever Business ExtrAA account
you travel with American number (878585) in the spot on Since starting the program
Airlines and or any of their One the Passenger Details page in 2013, Amazon’s Foundation
World airline, hotel and rental during your booking process. has seen donations of $266
car partners. Ticket Counter: Just provide million through the SMILE
ACC’s Business ExtrAA account program. These donations
While this program allows number (878676) to the AA from Amazon are at no cost
you to contribute air miles to agent at the ticket counter when to you, so please consider
ACC, please note that you will purchasing your ticket or even ACC the next time you go
not lose any of your own when checking in. shopping. online.
frequent flyer miles. It’s a WIN
Thank you for supporting To learn more, visit
WIN TO PARTICIPATE!
ACC with these consumer flight smile.amazon.com.
There are a few different discount benefits.
ways you can accomplish
making sure our Business
——See MORE NEWS, P7
ExtrAA number gets on your
NEWS & VIEWS PAGE 6
SEPTEMBER 2021 FALL
The instructions say to deposit
More Travel, cont' the check and transfer it to the
company’s local installer to pay
them if you are interested in
Texas being a part of their marketing
There are no statewide travel plan with the promise of
restrictions in Texas. Check here advertising payment each month.
for updates. Long story short, the fund
Utah transfer goes into the scammer’s
There are no statewide travel account, and you are out that
restrictions in Utah. Check here cash once the check bounces.
for updates. Winning Money – Winning is
Vermont More News, cont' so exciting, especially with a short
window to claim your money.
Vermont no longer has testing
or quarantine requirements for Whatever you “won,” can only be
domestic visitors. Check here Is check fraud still claimed by first paying taxes,
service charges, or some other
for updates, gathering limitations a thing? Why check very legit sounding fees before
and mask rules for fraud is still a thing they send you the big check.
unvaccinated people. Spoiler alert, you won’t ever get
Virginia By Resource One Credit Union, that big check.
There are no statewide travel August 2021 Not that all unexpected money
restrictions in Virginia. Check is a scam, but in most cases, if it
here for updates. If you search when checks sounds too good to be true, it
Washington, DC started being used, you might find definitely is. And companies will
Travelers who aren’t fully a lot of conflicting results. Some never ask you to send payment
vaccinated and coming from a scholars argue that evidence of to someone, yourself, involve you
high-risk area or those staying checks can be dated back as far in advertising without a contract,
more than a day are still asked as the 12th century. So with or ask you to send them payment
to take a COVID-19 test. Check hundreds of years of using this in the form of money orders/gift
here for that list, updates and type of system, you might cards to receive something from
wonder, “How are check scams them or pay them back for the
important details. And you can even happening”? overpayment.
click here for the status of Like most scams, it requires Even if you are savvy to the
tourist-oriented sites. minimal effort and depends upon scam, don’t attempt to out scam
Washington state the person’s financial knowledge, the scammer. In many cases,
There are no travel gullibility, and desperation for even if you deposit the check and
restrictions in Washington cash. do not send funds back, it’s likely
state. Check here for details. For this check scam, more than that the check will bounce,
West Virginia likely, the victim will receive the causing you a fee and a negative
There are no statewide travel check by mail. In the envelope, mark on your account record.
you will receive a check and Always do your research and
restrictions in West Virginia. instructions on how to claim your try to contact the companies
Check here for updates. funds. Here are a few examples name being used (do not use any
Wisconsin of instructions we have seen our numbers listed on the possible
There are no statewide travel membership receive in order to scam letter). The company will be
restrictions. However, the state get the promised funds: able to tell you if the payment is
is discouraging nonessential Overpayment – You, for some legitimate, and if it isn’t, they will
travel unless you're fully reason, are receiving a refund be made aware their name is
from somewhere you can being used to steal from their
vaccinated. Check here for recognize locally. The seemly customers.
updates. reputable business has If the check you have received
Wyoming accidentally sent you too much is legitimate, the good news is
There are no statewide travel money for your refund, and that many credit unions offer
restrictions in Wyoming. instead of sending you a correct mobile deposits, making that rare
Check here for updates. amount, they will ask that you check you receive easy and
deposit the check and mail back convenient to post into your
the overage in the form of a account.
Remember, circumstances money order.
with the Delta variant are Advertising Installment
changing almost daily, so make Payment – You will receive a
sure you check the links above check to do something such as
to ensure you are following getting your car branded with a
proper guidelines when traveling company’s logo.
across state lines.
NEWS & VIEWS PAGE 7
SEPTEMBER 2021 FALL
Welcome our credit union partner!
As a nonprofit consumer education organization, ACC has developed partnerships
with credit unions across the country. These partnerships allow ACC members
eligibility with our credit unions. If approved, our members gain access to a
member-owned financial institution, with products and services designed to make
banking more affordable, simple and convenient, and to offer additional resources
that can help our members identify and achieve their financial dreams.
“Best Credit Union in Alabama”
two years in a row.
Kicks For Kids works like this:
First, they pick a school in the
Listerhill Alabama-Tennessee region that
Credit Union is most in need; they might give
to just one grade or an entire
4790 E. Second Street school. Then they coordinate
Muscle Shoals, AL 35661 with the school to choose a
256-383-9204 date—during the school year
when the kids need them most
listerhill.com
—to deliver the shoes.
Listerhill even encourages
community organizations to Once they’ve coordinated with
Listerhill Credit Union, which apply for these opportunities the chosen school, they collect
is located in Muscle Shoals, through their website, so they all the shoe sizes, so that in
Alabama, but has properties can continue to pro-actively Listerhill’s words, each child
throughout Alabama and impact projects in their local gets that “Cinderella slipper
Tennessee, does all the things communities and students. moment” when they slide on
that a typical credit union the new pair. They encourage
In addition, their foundation—
does; they offer low-interest the school to have a dance
a 501(3)(c) nonprofit—partners
rates on auto and home loans, party following the shoe
with the California-based
checking and savings ceremony, so each child can
nonprofit “Shoes That Fit” to
accounts, financial assistance, “strut” their new shoes, each pair
support Listerhill’s own “Kicks
cash-back credit cards, and chosen from a variety of name-
for Kids” initiative.
much more, but they’ve also brand athletic shoes.
chosen to step up and really Kicks for Kids benefits the
So why shoes? Their website
engage in their local thousands of children in the
tells that story.
communities. Alabama-Tennessee region
who live in poverty by providing “Shoes are expensive, and kids
Listerhill not only encourages brand new shoes to those kids outgrow them quickly. Because
their employees to give back in need. of this, shoes are often the most
by volunteering for local visible sign of poverty.
“It’s all about we,” their
charity events and at nonprofit Unfortunately, this creates a
website states. "Listerhill Credit
organizations, they also invest disparity among kids which can
Union exists today because of
monetarily—through be divisive, embarrassing, and a
the principle of ‘people helping
scholarships or sponsorships— pretext for bullying.
people.’”
conducting over 300
transactions per year, half of That principle has no doubt
which benefit local schools. helped them land on Forbes’ ——See CREDIT UNION P9
NEWS & VIEWS PAGE 8
SEPTEMBER 2021 FALL
We are proud to share
ACC's consumer council
affiliates in the
State of Alabama.
Alabama
Consumer Council
Wells Fargo Center
420 20th Street North,
Suite 2200
Birmingham, AL 35203
Birmingham (AL)
Consumer Council
Wells Fargo Center
420 20th Street North,
Credit Union, cont' Suite 2200
About the Listerhill Birmingham, AL 35203
By providing a child with a Foundation
new pair of athletic shoes, we The purpose of the Listerhill Huntsville (AL)
increase their self-esteem, Foundation is charitable, Consumer Council
encourage school which includes improving the 7027 Madison Pike,
participation, reduce lives of adults, youth and Suite 108
prejudice, and give them an children in the northwestern Huntsville, AL 35806
opportunity to reach their region of Alabama. It seeks to
highest potential.” do so by providing financial Mobile (AL)
support for local schools, Consumer Council
What can one simple
tangible and intangible 11 North Water Street,
pair of shoes do?
support for underprivileged 10th Floor,
By providing needy children
youth, and helping adults, Mobile, AL 36602
with a brand new pair of
youth and children improve
brand name shoes, Listerhill
financial health and overcome Montgomery (AL)
Foundation hopes to:
the consequences of poverty. Consumer Council
improve self esteem;
empower children and give 445 Dexter Avenue,
The Listerhill Foundation is
them a boost in confidence; Suite 4050
an Alabama nonprofit
promote positive behavior; Montgomery, AL 36104
corporation with a 501(c)(3)
boost physical activity (what tax-exempt status.
better way to break in a new
pair of shoes than to run and You can help Listerhill
play in them?); lift the achieve its goals by donating
weekday blues and bring to the Kicks For Kids
positivity to each and every initiative.
student; increase attendance;
and spark the motivation Welcome, Listerhill !!
needed to take on yet
another day of being in class
or on campus.
NEWS & VIEWS PAGE 9
SEPTEMBER 2021 FALL
ACC Wrap Up
THE OFFICIAL MONTHLY NEWSLETTER OF THE AMERICAN CONSUMER COUNCIL
Friend of the
Consumer
Is your business
consumer-friendly?
Does your business deserve
greater recognition for its
service to consumers?
If so, you should apply for
Green C the American Consumer
Council's Friend of the Financial Education
Certifcation Consumer Award. ACC is honored to have a
If your company or partnership with Kim Curtis —
organization would like to author, speaker, and CEO of
increase its credibility with The Wealth Legacy Institute in
consumers, you should Denver, Colorado — who
consider applying for ACC's produces, writes and hosts our
"Green C" Certification. financial education video
Applications for the series.
Winter cycle are now being This free video series is
Each year, ACC awards
accepted through Dec 15. designed to help consumers,
numerous "Friend of the
It's a proven fact that including Millennials and
Consumer" awards to deserving
consumers prefer to do Gen Y individuals, to better
manufacturers, retailers, and
business with companies that manage their finances, feel
other businesses that produce
are eco-friendly, implement more confident about their
or sell products in the United
green initiatives and that financial dealings, and get
States, and which meet or
practice Corporate Social access to financial services.
exceed federally-mandated
Responsibility. The process is Video topics include,
standards, and have
straight-forward and all "How to Have a Great Vacation
"demonstrated a commitment
applicants are recognized by on the Cheap," "Paying the
to American consumers by
the ACC and the Green USA Cost of College," "Money Topics
providing products or services
Institute. Every Couple Must Discuss,"
that foster consumer
All applicants should review "Home-Buying Mistakes to
confidence and market
the criteria, then complete Avoid," "Goals to Reach by Age
acceptance."
and submit their applications 30," and others with advice
To apply, complete the
to ACC's Green Consumer about timeshares, paying off
online application found here
Council for review, assessment debt, identify theft, and more.
bit.ly/3w6jE1N and return it to
and feedback. Program details To peruse and view Kim's
ACC with the application fee.
and the Green C Certification many resourceful videos, visit
Applicants will be notified
criteria can be viewed online bit.ly/3snW661.
within five days of receipt of
at bit.ly/3d45Con.
their application. Thereafter, a
For more information, call
panel of independent judges ACC
1-800-544-0414 or visit ACC's
will review your application 11251 Rancho Carmel Dr.
website here.
and make a formal #503016
recommendation within 20 San Diego, CA 92150-3016
days of your submission. (800) 544-0424
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