Frequently Asked Questions
How can I file a Complaint about my Financial Institution?
- has been unfair or misleading,
- discriminated against you in lending,
- violated a federal consumer protection law or regulation, or
- if you have any other dispute
with a bank or credit union, you will want to contact the entity that supervises or regulates that institution. Knowing what entity that is (or are), though, can be a challenge, to say the least.
The following table should serve as a guide, but bear in mind, you do not have to limit yourself to one agency:
In addition to insuring all banks, the FDIC supervises State-chartered banks that are NOT members of the Federal Reserve System.
Hearing Impaired 800.925.4618
Office of the Comptroller of the Currency
Or OCC, is the primary regulator for National Banks and Federal Savings Associations.
The Federal Reserve supervises State-chartered banks that are members of the Federal Reserve System.
National Credit Union Administration
Or NCUA supervises and regulates all Federal Credit Unions.
Consumer Financial Protection Bureau
The CFPB is the secondary regulator for all of the aforementioned and in addition to taking your complaints, it offers a wide variety of help on money topics.
In addition to the Federal Regulator, State-chartered banks and credit unions are all regulated by the Department of Financial Institutions for their state. You can find the state regulatory agencies by doing an internet search on “department of banking” or “department of financial institutions” + the “state” name.