With the rate of non-English speaking minorities growing so rapidly, many banks, financial institutions and financial professionals are offering bilingual publications, bilingual and multilingual staff, and even unique products tailored to meet the needs of every consumer. For example, if you are a Spanish speaker, look for banks that offer Spanish language materials, Spanish-speaking tellers, customer service and account representatives and seminars or classes for Spanish-speaking customers on financial topics like investing, saving for retirement, etc.

Consumers' rights are protected by a host of federal and state laws covering a wide variety of services offered by financial institutions. For example, under the Equal Credit Opportunity Act (ECOA), people applying for credit cannot be discriminated again because of race, color or national origin. The Federal Trade Commission Act requires federal financial regulatory agencies to resolve consumer complaints. If you suspect that you're being treated unfairly, ask to meet with the employee's supervisor or file a complaint with the organization that oversees the bank or financial institution. And don't give up. Keep asking questions of people to help you. Jot down the answers you're getting and keep track of any issues you need help on.

With a little work you will be able to find the help you need and be treated equally and fairly.