Here's where to turn for information about your rights or if you have a complaint you can't resolve directly with your financial institution.

Deposits and loans issued by federally insured depository institutions: Contact that institution's primary federal regulator. If you have questions about FDIC insurance, including what is or is not covered, you may contact the FDIC directly.

Insurance products, such as life insurance policies and annuities: If you bought these products from a depository institution, you may contact its primary federal regulator with questions or concerns. For insurance purchases from any source, you also may contact your state's insurance regulator (look in the government pages of your telephone book or go to www.naic.org, the Web site of the National Association of Insurance Commissioners).

Stocks, bonds, mutual funds and other securities: If you bought the investment from a depository institution or an affiliate, contact the appropriate federal banking regulator. For matters involving securities brokers and brokerage firms, start with the U.S. Securities and Exchange Commission (Office of Investor Education and Assistance, 450 5th Street, NW, Washington, DC 20549; www.sec.gov) or your state securities regulator (in your phone book or from the North American Securities Administrators Association at 202-737-0900 or www.nasaa.org).