Consumer Resources

Who We Regulate

The Department regulates Georgia state-chartered banks, credit unions, trust companies, bank holding companies and merchant acquirer limited purpose banks (MALPBs).  If they conduct business in Georgia, we also regulate mortgage brokers, mortgage lenders, mortgage processors, mortgage loan originators, check cashers, sellers/issuers of payment instruments, money transmitters, consumer installment lenders, and international banking organizations.

The Department does not regulate national banks (e.g. Bank of America, Wells Fargo, Chase, Citibank, PNC) or federal credit unions, whether operating in Georgia or elsewhere.  The Department also does not regulate out-of-state chartered banks (e.g. Truist, Regions) or credit unions, regardless of where they are operating.  A list of all banks with federal deposit insurance can be searched at https://research2.fdic.gov/bankfind/ (links off-site) while a list of all credit unions with federal deposit insurance can be searched at https://mapping.ncua.gov/ResearchCreditUnion.aspx (links off-site).

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/ (links off-site) for mortgage brokers, mortgage lenders, mortgage processors, mortgage loan originators, check cashers, sellers/issuers of payment instruments, and money transmitters; and

https://www.oci.ga.gov/IndustrialLoan/Search%20Licensees.aspx (links off-site) for consumer installment lenders. 

Resolving Disputes

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, you may wish to send via certified mail, return receipt requested, a brief letter stating the matter in dispute, along with supporting facts, and the requested corrective action.

File a Complaint

We do not intervene in disputes 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 Consumer Financial Protection Bureau, an agency of the federal government, at http://www.consumerfinance.gov/complaint/ (links off-site) or by telephone at (855) 411-2372.

Legal Assistance

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).

In addition, the Consumer Financial Protection Bureau has a resource page that focuses on key topics routinely encountered by consumers, which is available at https://www.consumerfinance.gov/consumer-tools/ (links off-site).

Finally, refer to the Index of Financial Topics page for additional topics related to financial services.