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What federal agency regulates mortgage lenders

what federal agency regulates mortgage lenders

If You Have a Complaint

For information regarding housing discrimination issues contact the Office of Fair Housing and Equal Opportunity (FHEO). U.S. Department of Housing and Urban Development

The Bureau of Consumer Protection of the Federal Trade Commission enforces a variety of consumer protection laws protect consumers against unfair, deceptive, or fraudulent practices.

List of federal agencies that review compliance by particular types of lenders:

  • The Board of Governors of the Federal Reserve System oversees state-chartered banks and trust companies that belong to the Federal Reserve System.
  • The Federal Deposit Insurance Corporation regulates state-chartered banks that do not belong to the Federal Reserve System.
  • The Office of the Controller of the Currency regulates banks that have the word "National" in or the letters "N.A." after their names.
  • The National Credit Union Administration regulates federally charted credit unions.
  • The Office of Thrift Supervision oversees federal

    savings and loans and federal savings banks.

  • Bureau of Consumer Protection handles other lenders.

If you need help in deciding whom to contact with your consumer problem, the Federal Citizen Information Center of the U.S. General Services Administration has compiled a list of Federal Agencies where you can document a complaint against a company.

State Insurance Regulators Each state has its own laws and regulations for all types of insurance, including car, homeowner and health insurance. Many of these offices can provide you with information to help you make informed insurance buying decisions.

To file a complaint with the National Do Not Call Registry. your phone number must have been on the registry for three months.

For other sources of assistance, please refer to the Consumer Action Website.

Related links:

Federal Agencies and State Government Links to federal, state and local government Internet sites.

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