- Consumer Financial Protection Bureau (CFPB)
Congress established the CFPB to protect consumers by carrying out federal consumer financial laws. The CFPB does the following:
- Writes rules, supervises companies, and enforces federal consumer financial protection laws
- Restricts unfair, deceptive, or abusive acts or practices
- Takes consumer complaints
- Promotes financial education
- Researches consumer behavior
- Monitors financial markets for new risks to consumers
- Enforces laws that outlaw discrimination and other unfair treatment in consumer finance
- Customer Assistance Group, Office of the Comptroller of the Currency (OCC)
Investigates complaints against national banks (banks with the words "national" or "national association" or the initials "N.A." in their names).
OCC Customer Assistance Group provides answers to common questions:
- Federal Trade Commission (FTC)
Investigates complaints involving credit reporting agencies.If you have a complaint about a particular company or organization, use the secure FTC complaint form.
- Department of Housing and Urban Development (HUD)
Complaints involving mortgage lending discrimination based on race, color, religion, sex, handicap, familial status, or national origin are covered by the Fair Housing Act (FHAct). HUD is the federal agency that handles these complaints.
HUD also investigates alleged violations of the federal Real Estate Settlement Procedures Act (RESPA), which prohibits the payment of kickbacks by mortgage loan settlement service providers and also regulates certain mortgage escrow account practices. Suspected RESPA violations may be reported to HUD at:
- Federal Reserve Board (FRB)
Investigates complaints against state-chartered banks which are members of the Federal Reserve System.
- Federal Deposit Insurance Corporation (FDIC)
Investigates complaints against state-chartered banks which are not members of the Federal Reserve System. Also maintains data on failed, closed and merged state and federal banks and savings institutions.
- U.S. Dept. of the Treasury - Debt Management Services (DMS)
Investigates complaints against federally licensed private collection agencies (PCAs).
- U.S. Securities and Exchange Commission (SEC)
SEC oversees: securities exchanges, securities brokers & dealers, investment advisors, and mutual funds.
- Federal Financial Institutions Examination Council (FFIEC)
FFIEC's Consumer Help Center directs consumers with complaints and questions about their bank or financial institution to the appropriate federal bank regulatory agency that can help them with their concerns.
- North Carolina Attorney General's Office - Consumer Protection Division
Investigates complaints of alleged violations of various consumer protection laws.
- North Carolina Department of Insurance
Investigates complaints against state licensed collection agencies and complaints against insurance companies and agents.
- North Carolina Bar Association
Charters and regulates North Carolina state chartered credit unions.
205 W. Millbrook Road, Suite 105
Raleigh, NC 27609
Investigates complaints against federally chartered credit unions.
Phone: 1-800-755-1030 - Consumer Hotline
4807 Spicewood Springs Road
Austin, Texas 78759-8490