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No central agency oversees, inspects cruise ships

A maze of maritime regulations and fragmented oversight of the cruise industry make it tough for consumers to assess the health and safety record of ships they're about to board for vacation.

No one entity or country oversees or regulates the industry. There's no central database for passengers seeking ship information.

The Coast Guard and Centers for Disease Control and Prevention offer some ship safety and health information online.

In the case of the Carnival Triumph ship that spent days disabled at sea after an engine fire, vacationers could have gone to those agencies' websites before boarding, but they would have found mostly clean marks and few red flags.

And when something goes wrong, as it did on Triumph, there are limits to how much the Coast Guard can investigate.

Bank Rates

Loan Type Graph Rate +/- Last Week
30 Y Fixed Graph 4.30% dw 4.43%  
15 Y Fixed Graph 3.30% up 3.27%  
30 Y Fixed Jumbo Graph 4.60% up 4.57%  
5/1 ARM Graph 3.34% dw 3.46%  
5/1 Jumbo ARM Graph 3.58% up 3.51%  
Loan Type Graph Rate +/- Last Week
$30K HELOC Graph 4.38% dw 4.47%  
$50K HELOC Graph 4.11% dw 4.17%  
$30K Loan Graph 4.99% dw 5.11%  
$50K Loan Graph 4.40% dw 4.56%  
$75K Loan Graph 4.40% dw 4.51%  
Loan Type Graph Rate +/- Last Week
36 M New Graph 2.90% dw 2.91%  
36 M Used Graph 3.40% dw 3.44%  
48 M New Graph 3.16% dw 3.19%  
48 M Used Graph 2.90% dw 2.97%  
60 M New Graph 3.17% dw 3.22%  
Loan Type Graph Yield +/- Last Week
6 month Graph 0.35% up 0.34%  
1 yr Graph 0.67% dw 0.68%  
5 yr Graph 1.38% -- 1.38%