Who We Regulate
Georgia state-chartered banks, credit unions, trust companies, and merchant acquirer limited purpose banks (MALPBs). If they conduct business in Georgia, we also regulate mortgage brokers, lenders, processors, mortgage loan originators, check cashers, sellers-issuers of payment instruments, money transmitters, international banking organizations, and bank holding companies.
The Department does not regulate national banks (examples: Bank of America, Wells Fargo, Chase, Citibank, PNC) or federal credit unions, whether operating in Georgia or elsewhere.
Who we regulate is searchable at:
https://dbfweb.dbf.state.ga.us/WebBkData.html for banks and trust companies;
https://dbfweb.dbf.state.ga.us/WebHCData.html for bank holding companies;
https://dbfweb.dbf.state.ga.us/WebCUData.html for credit unions; and
http://www.nmlsconsumeraccess.org/ for mortgage brokers/lenders/processors, mortgage loan originators, check cashers, sellers-issues of payment instruments, and money transmitters.
Customer service disputes are best resolved by direct communication with the financial service provider. Disputes should be addressed to the provider directly, in writing, with confirmation of delivery. For example, a brief letter stating the matter in dispute, supporting facts, and corrective action requested sent certified mail with return receipt.
File a Complaint
We do not intervene between consumers and financial service providers, but we do use complaint information in the regulatory process. To file a complaint with the regulators, you may securely do so with the federal agency Consumer Financial Protection Bureau at http://www.consumerfinance.gov/complaint/ (links off-site) or by telephone at (855) 411-2372.
If you are unable to resolve the dispute directly with the financial service provider and believe that the actions may be illegal, legal assistance and law enforcement resources that may be of assistance to you are available here Legal-Law Enforcement Resources.
Additional Consumer Resources
For a comprehensive consumer resource, check out the Consumer Ed website, provided by the Georgia Department of Law's Consumer Protection Unit at http://www.consumered.com (links off-site).
Refer to the Index of Financial Topics page for additional topics related to financial services.