Who Regulates My Bank?
Check to make sure your financial institution is a national bank, federal savings association, or thrift.
Check the List of National Bank Operating Subsidiaries.
Operating subsidiaries are companies owned or controlled by a national bank and regulated by the OCC. The list contains these companies that do business directly with consumers and are not functionally regulated as defined in 5(c)(5) of the Bank Holding Company Act of 1956, as amended. An operating subsidiary does business directly with consumers if it provides products or services to individuals to be used primarily for personal, family, or household purposes.
If your bank is on one of these lists, the OCC can assist you with questions or concerns you may have. Start here.
What if my bank is not on the lists?
If your bank is not on one of the lists above, it is not regulated by the OCC. It may be a savings and loan, credit union, state-regulated financial institutions, or other type of institution. The links below can help you find the right regulator.
- The National Credit Union Administration supervises and insures Federal credit unions and insures State-chartered credit unions. Visit their Consumer Information page for information and assistance regarding credit unions.
Two Federal agencies share responsibility for State banks.
The Federal Deposit Insurance Corporation insures State-chartered banks that are not members of the Federal Reserve System. The FDIC also insures deposits in banks and savings associations in the event of bank failure. The FDIC's Consumer Protection page provides information and 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 to contact?
The OCC's Customer Assistance Group is ready to help you find out the correct agency to contact with your question or complaint. Call 1-800-613-6743 toll-free Monday through Friday, from 7:00 a.m. to 7:00 p.m. Central Time.
FDIC Institution Directory
The FDIC also offers a sophisticated directory of financial institutions that provides the primary regulator and other useful information. Visit the FDIC Institution Directory.