Who We Regulate
The Department regulates Georgia state-charted banks, credit unions, trust companies, bank holding companies, and merchant acquirer limited purpose banks (MALPBs). In addition, the Department regulates mortgage brokers, mortgage lenders, mortgage processors, mortgage servicers, mortgage loan originators, check cashers, sellers/issuers of payment instruments, money transmitters, installment lenders, and international banking organizations to the extent that such entities conduct business in Georgia, with Georgia consumers, or on properties located in Georgia.
The Department does not regulate national banks (e.g., Bank of America, Wells Fargo, or Chase) or federal credit unions, whether operating in Georgia or elsewhere. The Department also does not regulate banks chartered in another state (e.g., Truist, Regions Bank) or credit unions chartered in another state, regardless of where they are operating. For more information on regulators for these institutions, please visit “Bank Regulators” or “Credit Union Regulators.”
You may visit the Department’s online portal to search Georgia state-charted banks, credit unions, trust companies, and bank holding companies. To search for mortgage brokers, mortgage lenders, mortgage processors, mortgage loan originators, check cashers, sellers/issuers of payment instruments, money transmitters, and installment lenders, please visit www.nmlsconsumeraccess.org.
Customer service disputes are best resolved by direct communication with the financial service provider. Disputes should be addressed to the provider, in writing, with confirmation of delivery. For example, you may wish to send a brief letter stating the matter in dispute via certified mail with return receipt requested. Please include supporting facts and the requested corrective action.
The Department does not actively intervene in disputes between consumers and financial service providers. However, if you have an issue you would like to report to the Department regarding an entity that we regulate, you may send a detailed account of the issue to [email protected]. The Department uses such information in regulating and supervising the entities we regulate.
In addition, you may wish to file a complaint with the Consumer Financial Protection Bureau (“CFPB”). For more information on the CFPB complaint process or to file a complaint online, please visit www.consumerfinance.gov/complaint.
Legal and Law Enforcement Resources
If you are unable to resolve a dispute directly with a financial service provider, you may wish to consult with a private attorney. The Department cannot provide you with legal advice. However, the following resources may be able to connect you with an attorney:
- State Bar of Georgia: www.zeekbeek.com/gabar
- Georgia Legal Aid: www.georgialegalaid.org
- Atlanta Legal Aid: www.atlantalegalaid.org
- Georgia Legal Service Program: www.glsp.org
If you believe that a financial services provider has defrauded you or otherwise committed a criminal act, you may wish to report them to the appropriate legal authority. The following resources may be useful:
- Prosecuting Attorneys’ Council of Georgia: www.pacga.org
- Federal Bureau of Investigation: www.fbi.gov/contact-us/field