Federal Enforcement Agencies
All credit institutions are subject to the Equal Credit Opportunity Act (ECOA) and Regulation B (issued by the Federal Reserve Board), which contains specific rules governing the operations of credit. Here below is a list of federal agencies responsible for implementing the ECOA and Regulation B for specific categories of financial institutions. Any question about a financial institution should be directed to its enforcement agency.
- State Member Banks of the Federal
Reserve System
Division of Consumer and Community Affairs
Mail Stop 800
Board of Governors of the Federal Reserve System
20th & C Streets, N.W.
Washington, D.C. 20551
(202) 452-3693
www.federalreserve.gov
- National Banks
Office of the Comptroller of the Currency
Consumer Assistance Unit
1301 McKinney Street
Suite 3710
Houston, Texas 77010
(800) 613-6743
www.occ.treas.gov
- Non-Member Federally Insured
Banks
Federal Deposit Insurance Corporation
Office of Compliance and Consumer Affairs
550 17th Street, N.W.
Room PA-1730, 7th Floor
Washington, D.C. 20429
(202) 942-3100 or
(800) 934-FDIC (934-3342)
www.fdic.gov
- Savings and Loan Associations
Office of Thrift Supervision
Consumer Programs
1700 G Street, N.W., 6th Floor
Washington, D.C. 20552
(202) 906-6237 or
(800) 842-6929
www.ots.treas.gov
- Federal Credit Unions
National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, Virginia 22314
(703) 518-6330
www.ncua.gov
- Small Business Investment
Companies
Consumer Affairs
Small Business Administration
409 Third Street, S.W.
Washington, D.C. 20416
(800) U-ASK-SBA (827-5722)
www.sba.gov
- Other Lenders
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, D.C. 20580
(202) 326-3758 or
(877) FTC-HELP ?toll free (877-382-4357)
www.ftc.gov
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