Missouri consumers stand to receive $13.1-Million in restitution through a consent judgment with Household Finance Company. Missouri and several other states had alleged that HFC violated state laws by misrepresenting loan terms and failing to disclose material information to borrowers. The investigation focused on real-estate loans. Consumers complained the company charged far higher rates than promised, charged costly prepayment penalties, and deceived consumers about insurance policies. Under the settlement, Household will change its practices. It’s paying a total of $484-Million in consumer restitution nationwide.