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Office of Thrift Supervision

September 22, 2009

In the second half of 2011, a new agency called the Consumer Financial Protection Bureau will be created to respond to complaints about all financial products.  Also during that year, the Office of Thrift Supervision will cease to exist.

Until then, the Office of Thrift Supervision (OTS) regulates your lender if your lender is a Savings Association or a Federally Chartered Savings Bank.  If the words “Federal” or the initials “FSB” appear in the title of your lender, it is a Federally Chartered Savings Bank, and you should complain with the OTS.

Our Suggestion

If you cannot figure out who regulates your lender, we suggest filing your complaint with the Office of the Comptroller of the Currency (OCC)The Federal Reserve Board (FRB), and your State Banking Office.  Both the OCC and the FRB promise to reroute complaints mistakenly filed with them.

How to File a Complaint

Use the OTS’s online complaint form (PDF) to file your complaint, or send them a letter.

If sending a letter, include the following information in your complaint:

  • Your name, home address, e-mail address, telephone number, in addition to your signature and date the complaint is submitted to the OTS;
  • The association’s full name and address.
  • The city and state of the association’s home office will also be helpful, since that determines the association’s supervisory region;
  • Type of account involved in the complaint – checking, savings, certificate of deposit, money market or loan – and account numbers, if applicable;
  • Description of the complaint, including specific dates and the association’s actions; copies of related documents or correspondence are also helpful;
  • Dates of contact and, if possible, the names of individuals contacted at the association with their responses.
  • The letter must contain your signature.

OTS Contact Information

Office of Thrift Supervision
Consumer Affairs Division
1700 G. Street, NW
Washington, DC 20552

TOLL-FREE PHONE: 1-800.842.6929 (Monday through Friday 8:00 a.m. – 5:30 p.m., Eastern Standard Time)
TTY Users: 1-800-877-8339
FAX: (202) 906-7342

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