Do you have questions about:
- Your rights as a consumer?
- Banks' responsibilities under the federal consumer protection laws?
- Deposit Insurance?
The Federal Deposit Insurance Corporation (FDIC), through its Consumer Affairs Program, can answer many of your questions.
Call toll-free at 1-877-ASK-FDIC (1-877-275-3342) from 8 a.m. until 6 p.m. Eastern Time, Monday through Friday.
For Deaf or Hard of Hearing call 1-800-925-4618.
How to File a Written Complaint
- Determine the primary federal regulator of your bank by calling the FDIC's toll-free call center number at:
1-877-ASK-FDIC (1-877-275-3342)
Monday through Friday
From 8 am until 6 pm (Eastern Time)
Deaf or Hard of Hearing Line:
1-800-925-4618 - Or by accessing FDIC's Bank Find.
- Provide your complete name and mailing address as well as a day or evening phone number with the area code. You may also file a complaint via the FDIC's FDIC Information and Support Center.
- State your inquiry or complaint, making certain to include the name and street address of the bank.
- Provide a brief description of your complaint.
- Enclose copies of related documentation.
- State how you would like your matter resolved and the remedy you seek.
- If you are not the owner of the account, obtain and provide written permission from the owner in order to correspond on the owner's behalf.
- Remember to date and sign your letter.
What is the Role of Consumer Affairs?
Our statutory mandate is to promote and enforce compliance by FDIC supervised banks with federal consumer protection laws, including those relating to fair lending and unfair and deceptive practices. We carry out our mission by:
- Investigating consumer complaints involving the banks we supervise.
- Responding to inquiries from the public and from financial institutions about consumer protection and fair lending matters.
- Educating consumers about their rights under federal consumer protection laws and regulations through outreach.
- Monitoring the public's perception of banking and consumer protection matters, and identifying trends that may affect consumer rights and protections.
- Participating in the formulation of consumer related regulations, policies, and procedures.
If we determine, based on our review of an issue, that contacting an individual's bank is not required, one can expect a final response in approximately 14 days or less. If, however, a complaint necessitates contacting a bank to gather information about a complicated matter, or a matter involving illegal credit discrimination, a final response may take longer.
Is the Role of the Consumer Affairs Branch Limited in Any Way?
Our scope of authority does not ordinarily extend to the resolution of complaints involving factual disputes or contractual matters, or matters that have been or are in the process of being litigated.
How to File a Written Complaint
- Determine the primary federal regulator of your bank by calling the FDIC's toll-free call center number at:
1-877-ASK-FDIC (1-877-275-3342)
Monday through Friday
From 8 am until 6 pm (Eastern Time)
Deaf or Hard of Hearing Line:
1-800-925-4618 - Or by accessing FDIC's Bank Find.
- Provide your complete name and mailing address as well as a day or evening phone number with the area code. You may also file a complaint via the FDIC's FDIC Information and Support Center.
- State your inquiry or complaint, making certain to include the name and street address of the bank.
- Provide a brief description of your complaint.
- Enclose copies of related documentation.
- State how you would like your matter resolved and the remedy you seek.
- If you are not the owner of the account, obtain and provide written permission from the owner in order to correspond on the owner's behalf.member to date and sign your letter.
If Your Bank Is Supervised by the FDIC
Toll-free Call Center:
1-877-ASK-FDIC (1-877-275-3342)
Hours: M-F 8:00 am - 6:00 pm ET
Online at: FDIC Information and Support Center
Deaf or Hard of Hearing Line:
1-800-925-4618 or
(703) 562-2289
Regulatory Agencies
Three other federal regulatory agencies supervise federally insured banks and savings associations.
National Banks and Federally and State-Chartered Savings Associations:
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street - Suite 3450
Houston, TX 77010
1-800-613-6743
Monday through Thursday, 9 am to 4 pm, Central Time
Friday, from 9 am to 3 pm, Central Time.
Fax: 713-336-4301
Online at: www.occ.gov
Or by e-mail at: Customer.Assistance@occ.treas.gov
State Chartered Banks that are Members of the Federal Reserve System:
Federal Reserve Consumer Help
P.O. Box 1200
Minneapolis, MN 55480
(888)-851-1920
(877)-888-2520 Fax
ConsumerHelp@FederalReserve.gov
Banks With Assets Over $10 Billion
Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244
Mission Statement
The Consumer Response Center strives to offer optimal customer service by responding to consumer complaints and inquiries in an objective, knowledgeable, professional, accurate, and timely fashion.
