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All creditors are subject to the Equal Credit Opportunity Act (ECOA) and Regulation B (issued by the Federal Reserve Board), which contains specific rules governing credit transactions. The following is a list of the federal agencies that enforce the ECOA and Regulation B for particular classes of financial institutions. Any questions concerning a particular financial institution should be directed to its enforcement agency.
State Member Banks of the Federal Reserve System
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
888-851-1920 (toll free)
877-766-8533 (TTY) (toll free)
877-888-2520 (fax) (toll free)
e-mail:
ConsumerHelp@FederalReserve.gov
www.FederalReserveConsumerHelp.gov
National Banks
Office of the Comptroller of the Currency
Consumer Assistance Group
1301 McKinney Street
Suite 3450
Houston, TX 77010
(800) 613-6743 (toll free)
www.occ.treas.gov
Non-Member Federally Insured Banks
Federal Deposit Insurance Corporation
Consumer Response Center
2345 Grand Boulevard
Suite 100
Kansas City, MO 64108
(877) ASK-FDIC (877-275-3342) (toll free)
e-mail:
consumeralerts@fdic.gov
www.fdic.gov/consumers/consumer/ccc/index.html
Savings and Loan Associations
Office of Thrift Supervision
Consumer Programs
1700 G Street, NW, 6th Floor
Washington, DC 20552
(800) 842-6929 (toll free)
www.ots.treas.gov
Federal Credit Unions
National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314
(800) 755-1030 (toll free)
(703) 518-6409 (fax)
www.ncua.gov
Small Businesses
Small Business Administration
Consumer Affairs
409 Third Street, SW
Washington, DC 20416
(800) U-ASK-SBA (800-827-5722) (toll free)
www.sba.gov
Other Lenders
Federal Trade Commission
Consumer Response Center - 240
600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) FTC-HELP (877-382-4357) (toll free)
www.ftc.gov
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