We can only assist customers of national banks, federal savings associations, and operating subsidiaries of national banks and federal savings associations regulated by the Office of the Comptroller of the Currency (OCC). There are other types of banks that are regulated by other agencies. It is important to make sure that your bank is regulated by the OCC before seeking our assistance.
Search for Your Bank
Use the search tool below to find out who regulates your bank. Note: This tool does not work on Internet Explorer. If the page doesn’t load, please try a different web browser.
Search financial institutions
If you didn't find your bank using the search tool, you should contact your bank to find out who the regulator is. It may be an operating subsidiary of a national bank or federal savings association.
Note: The Office of the Comptroller of the Currency (OCC) no longer posts the operating subsidiaries list on its websites. You may be able to find information about operating subsidiaries by searching the FDIC BankFind application.
If you found your bank and it is regulated by the OCC, then the OCC Customer Assistance Group can assist you with questions or concerns you may have.
What If I Couldn't Find My Bank Above?
If you couldn't find your bank using the steps above, it is not regulated by the OCC. It may be a credit union, state-regulated bank, or other type of institution.
Credit Unions
The National Credit Union Administration (NCUA) supervises and insures federal credit unions and insures state-chartered credit unions. Visit their Consumer Assistance Center for information and assistance regarding credit unions.
State-Chartered Banks
Two federal agencies share responsibility for state banks:
- Federal Deposit Insurance Corporation (FDIC) - The FDIC insures state-chartered banks that are not members of the Federal Reserve System. The FDIC also insures deposits in banks and federal savings associations in the event of bank failure. The FDIC's Consumer Protection page provides information and assistance.
- Federal Reserve Board - The Federal Reserve Board supervises state-chartered banks that are members of the Federal Reserve System. Visit the Consumer Information page for assistance.
State banks are also supervised by state banking regulators. Visit the Conference of State Bank Supervisors website for links to state banking departments.
Still Not Sure Who Regulates Your Bank?
Contact Us
FAQs
Who regulates my bank?
- Office of the Comptroller of the Currency: 800-613-6743.
- Federal Reserve Board: 888-851-1920.
- Federal Deposit Insurance Corporation: 877-275-3342.
- National Credit Union Administration: 800-755-1030.
- Consumer Financial Protection Bureau: 855-411-2372.
The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.
How do I complain about a bank in the USA? ›
Contact your bank directly first. It is most likely to have the specific information you need and is in the best position to resolve your problem. Visit HelpWithMyBank.gov where you will find answers to frequently asked questions and other resources. Fill out the Online Customer Complaint Form.
What federal department regulates banks? ›
The Office of the Comptroller of the Currency (OCC) is an independent bureau of the U.S. Department of the Treasury. The OCC charters, regulates, and supervises all national banks, federal savings associations, and federal branches and agencies of foreign banks.
How to file a complaint against a bank with the FDIC? ›
You can submit your complaint or inquiry online at the FDIC Information and Support Center at https://ask.fdic.gov/fdicinformationandsupportcenter/s/. Alternatively, you can submit a complaint via mail to the Consumer Response Unit at 1100 Walnut Street, Box#11, Kansas City, MO 64106.
Can you sue a bank for not refunding your money? ›
You Have A Right To Sue Any Bank That Unlawfully Keeps Your Money, Or Who Fails to Follow Your Instructions For Disbursing It. Banks owe you a duty to only give out funds that you authorize, and to only give out funds in the manner that you instruct them.
Who supervises banks? ›
The Federal Reserve is responsible for supervising--monitoring, inspecting, and examining--certain financial institutions to ensure that they comply with rules and regulations, and that they operate in a safe and sound manner.
What two agencies regulate banks? ›
State-Chartered Banks
- Federal Deposit Insurance Corporation (FDIC) - The FDIC insures state-chartered banks that are not members of the Federal Reserve System. ...
- Federal Reserve Board - The Federal Reserve Board supervises state-chartered banks that are members of the Federal Reserve System.
DFPI Licenses and Regulates | The Department of Financial Protection and Innovation.
Do banks take CFPB complaints seriously? ›
The complaints may be vague and unsupported but banks have to take them seriously, he said. If the CFPB decides to take an enforcement action based on complaints, legal costs for banks defending action can be tens of millions of dollars a month.
The FTC's Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ...
Can a bank deny you access to your money? ›
A bank account freeze means you can't take or transfer money out of the account. Bank accounts are typically frozen for suspected illegal activity, a creditor seeking payment, or by government request. A frozen account may also be a sign that you've been a victim of identity theft.
Who holds banks accountable? ›
The regulatory agencies primarily responsible for supervising the internal operations of commercial banks and administering the state and federal banking laws applicable to commercial banks in the United States include the Federal Reserve System, the Office of the Comptroller of the Currency (OCC), the FDIC and the ...
Does the FTC control banks? ›
The noncompete ban applies only to entities covered by the FTC Act, and banks, savings and loan institutions, and credit unions are excluded from FTC jurisdiction. In other contexts, federal banking regulators are authorized by the Federal Deposit Insurance Act to enforce Section 5 of the FTC Act against banks.
What determines who regulates a bank? ›
For example, in California, financial institutions are regulated by: Department of Financial Institutions.
Who are the regulators of banks? ›
Reserve Bank of India has been empowered under Banking Regulation Act, 1949 to conduct the inspection of banks and regulate them in the interest of banking system, banking policy and depositors/public.
Can the government control my bank account? ›
The government can seize money from your checking account only in specific circ*mstances and with due process. The most common reason for the government to seize funds from your account is to collect unpaid taxes, such as federal taxes, state taxes, or child support payments.
