Mortgage and Lender Complaints
Federal and State Regulatory Agencies
If you are unable to resolve your complaint directly (for example by using our sample lender complaint letter), you may
want to contact the appropriate federal or state regulators and
enforcement authorities. Depending
upon their authority under applicable state or federal law, regulators
may either attempt to help you resolve your complaint
or record your complaint and recommend other action.
National Banks
Office of
the Comptroller of the Currency (OCC)
OCC handles complaints and regulates National
Banks (which usually have "National" in their names
or "N.A." after
their names).
How to file a complaint with
OCC...
State Member Banks of the Federal Reserve System
The
Federal Reserve Board
The Fed handles complaints and regulates state-chartered
banks and trusts. It also administers the Truth-in-Lending,
Equal Credit Opportunity, and Fair Credit Reporting Acts.
How
to file a complaint with the Federal Reserve...
Federally Insured Non-Member State-Chartered Banks and Savings
Banks
Federal Deposit
Insurance Corporation (FDIC)
FDIC handles questions about deposit insurance coverage
and complaints about FDIC-insured state banks that are not
members of the Federal Reserve System.
How to
file a complaint with FDIC...
Federally Insured Savings and Loan Institutions and Federally
Chartered Savings Banks
Office of
Thrift Supervision (OTS)
OTS handles complaints about federal savings and loans and
federal savings banks.
How to file a complaint with OTS...
Federal Credit Unions
National Credit
Union Administration (NCUA)
The NCUA is the regulator for federal credit
unions.
How to file a complaint with NCUA...
State-Chartered Credit Unions
If your complaint is with a state-chartered credit union, you
should contact the
appropriate state regulatory agency for its credit unions.
Mortgage Companies and Other Lenders
Federal Trade
Commission (FTC)
The FTC handles complaints involving credit
reporting agencies or lenders other than credit unions,
banks or savings and loans.
How to file a complaint with FTC...
Entities in the Farm Credit System
Farm
Credit Administration (FCA)
FCA regulates banks, associations, and related entities that
comprise the Farm Credit System, including the Federal Agricultural
Mortgage Corporation (Farmer Mac).
How to file a complaint with FCA...
Housing Discrimination, Land Sales, or Manufactured (Mobile)
Homes
Department of Housing and Urban Development (HUD)
HUD handles complaints involving housing discrimination; fraud
and abuse when buying or leasing land from developers; and
the construction of manufactured (mobile) homes.
How
to file a complaint with HUD...
State Agencies / Regulators
You may also contact your state's consumer protection offices,
banking authorities, and offices of the attorney general to complain
against lenders doing business in your state.
The information provided in this website is
not legal advice and should not be interpreted as legal advice.
This website is intended to provide a basic understanding of this
information in summary form. This information may not be comprehensive,
is subject to change, and may not apply to all individual circumstances.
Any information received here should be confirmed with the appropriate
government agencies or with an attorney, particularly as it relates
to your individual circumstances. Your use of this website indicates
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