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 Federal Reserve directly supervises state-chartered banks that choose to become members as well as foreign banking offices and Edge Act corporations. The Federal Reserve is also the primary supervisor and regulator of bank holding companies and financial holding companies.
How do I complain about a bank in the USA? ›
File banking and credit complaints with the Consumer Financial Protection Bureau. If contacting your bank directly does not help, visit the Consumer Financial Protection Bureau (CFPB) complaint page to: See which specific banking and credit services and products you can complain about through the CFPB.
Who enforces banking regulations? ›
Banking Applications & Legal Developments
The Federal Reserve also takes formal enforcement actions against regulated institutions for violations of laws, rules, or regulations, unsafe or unsound practices, breaches of fiduciary duty, and violations of final orders.
What federal agency regulates banks? ›
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.
What company oversees banks? ›
DFPI Licenses and Regulates | The Department of Financial Protection and Innovation.
Can you sue a bank for not refunding your money? ›
As a consumer, you are entitled to file a lawsuit against any bank, credit union or other creditor who violates your rights under the EFTA. In short, the EFTA allows a consumer to recover their actual damages, statutory damages of up to $1,000 and their attorney's fees and costs.
How to check if a bank is regulated? ›
You can check our Financial Services Register (FS Register) to make sure a firm or individual is authorised. It will also tell you the activities the firm has permission for. Search for the firm by name, or by using its firm reference number (FRN).
How do I report a bank to 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.
Does filing a complaint with the CFPB do anything? ›
Consistent with applicable law, we securely share complaints with other state and federal agencies to, among other things, facilitate: supervision activities, enforcement activities, and. monitor the market for consumer financial products and services.
America's Worst Banks at a Glance
| Bank | Total complaints | Complaints per $1 billion deposited |
|---|
| Wells Fargo | 117,173 | 84.43 |
| Citibank | 85,462 | 113.08 |
| Bank of America | 128,404 | 67.47 |
| Capital One | 83,945 | 225.88 |
6 more rowsApr 23, 2024
Yes. Your bank may hold the funds according to its funds availability policy. Or it may have placed an exception hold on the deposit.
Who has the power to regulate banks? ›
There are numerous agencies assigned to regulate and oversee financial institutions and financial markets in the United States, including the Federal Reserve Board (FRB), the Federal Deposit Insurance Corp. (FDIC), and the Securities and Exchange Commission (SEC).
What laws regulate banks? ›
- Five Important U.S. Banking Laws.
- National Bank Act of 1864.
- Federal Reserve Act of 1913.
- Glass-Steagall Act of 1933.
- Bank Secrecy Act of 1970.
- Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
- The Bottom Line.
National banks and federal savings associations are regulated by the Office of the Comptroller of the Currency (OCC). To find out if your bank is regulated by the OCC, visit the Who Regulates My Bank? page on this website.
How to find out if a bank is regulated? ›
You can check our Financial Services Register (FS Register) to make sure a firm or individual is authorised. It will also tell you the activities the firm has permission for.
Who regulates my bank FDIC? ›
The FDIC is the primary federal regulator of banks that are chartered by the states that do not join the Federal Reserve System. In addition, the FDIC is the back-up supervisor for the remaining insured banks and savings associations.
What two agencies regulate banks? ›
There are numerous agencies assigned to regulate and oversee financial institutions and financial markets in the United States, including the Federal Reserve Board (FRB), the Federal Deposit Insurance Corp. (FDIC), and the Securities and Exchange Commission (SEC).
