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Some
"Consumer Beware"
Borrowing Advice:
Before signing any loan agreement
with
any "licensed lender"... Protect yourself
from fraud and other lending abuses. Make sure the lender actually has a
license to do business in Vermont. To find out, call the Banking Division at
802-828-3307.
> See how to
get your
Free Credit Report online, as now provided
for by law.
> Check Unlicensed
Entities,
a list of suspicious lending activities and related scams
> The FDIC's website allows you to search
a database of
unclaimed funds
from failed financial
institutions. It contains details and claim forms.
>
Civil
Unions: common questions relating to personal finance
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Banking Division
www.vermontbanking.info
![BISHCA logo](../images/logos/bishcadome_block_small.gif)
802-828-3307
Thomas J. Candon, Deputy Commissioner
Consumer
Resources & Assistance
Publications and Product Surveys for Consumers
Banking
Division Publications include consumer guides to banking services, and
comparative surveys of checking and savings account services and
rates.
Making Consumer Complaints:
The proper place to get help depends on who
regulates your bank or licensee: the State of Vermont, or the federal
government. How do you know which regulator it is? You may check charter designations in the Annual Report of the Banking
Commissioner: Banks and financial
institutions doing business in Vermont, or
Credit unions ,
OR Contact the Vermont Banking Division at 802-828-3307 for assistance.
FOR STATE CHARTERED
INSTITUTIONS/LICENSEES:
The Vermont Banking Division
is an agency of the Vermont Department of Banking, Insurance, Securities &
Health Care Administration. Vermont has regulatory authority over Vermont
state-chartered financial institutions and licensed lenders. These may
include banks, savings and loan companies, credit unions, mortgage brokers
and other individuals or companies called "licensed lenders." If your
problem or complaint involves an entity under Vermont's authority, please see further details
about how to
MAKE A COMPLAINT .
FOR NATIONAL AND FEDERAL
INSTITUTIONS
There are numerous national and federal
banks doing business in Vermont. Even though they are headquartered here,
or operate branches in Vermont, the State of Vermont does not regulate
them. Therefore, we have no authority over them with regard to consumer
complaints. If your complaint involves a federal or national institution,
you must contact the federal agency which regulates it. See
on-line list of federal agency
complaint contacts.
OR, IF you
need help contacting banking regulators in another state, you can contact
the consumer services unit of the Vermont Banking
Division for assistance.
Ways to
Contact the
Vermont Banking Division:
You may TELEPHONE with an inquiry:
(802)-828-3307 You may WRITE to:
Vermont Banking Division BISHCA 89 Main St. Drawer 20 Montpelier, VT 05620-3101
To E-mail Us
at the Banking Division please
TYPE the following into the "TO" line of your e-mail.
bankdiv(at)bishca.state.vt.us
Be sure to replace the (at) with the symbol @ in your e-mail address.
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