I have a question or complaint about my bank...

The Georgia Department of Banking and Finance does not regulate banks that are federally chartered (e.g., Wells Fargo, Bank of America, JPMorgan Chase) or headquartered in another state (e.g., Regions Bank, BB&T).

Georgia is host to offices of national and state-chartered banks that are headquartered in other states. National banks are chartered and regulated by the Office of the Comptroller of the Currency (OCC). The regulator of the state where the bank is chartered/headquartered, the “home state” regulator, retains the primary responsibility for the chartering, regulation and examination of the out-of-state state bank.

If you have a question about whether an entity is regulated by the Georgia Department of Banking and Finance, use our Bank Search Page. If you do not see your bank when using our state-chartered bank search, please utilize the Federal Deposit Insurance Corporation's Bank Find database to determine what type of charter (state or national) your bank has and who the appropriate regulator is.

Do You Have a Complaint About a Bank? - (links off-site to the FDIC)

Please utilize the information below to determine the proper agency to contact for assistance.

State Banks

If your institution is a state non-member bank, chartered (headquartered) in Georgia, you should send your complaint or inquiry to the Federal Deposit Insurance Corporation (FDIC). The FDIC is the primary Federal regulator responsible for state-chartered banks not members of the Federal Reserve System and state chartered savings banks. You may also contact the FDIC at:

If your institution is a state member bank, chartered (headquartered) in Georgia, you should send your complaint or inquiry to the Federal Reserve Board (FRB). You can submit your complaint or inquiry online at: https://www.federalreserveconsumerhelp.gov/complaint/formcomplaint.cfm?. You may also contact the FRB at:

If your institution is a state bank, chartered (headquartered) in a state other than Georgia, you should send your complaint or inquiry to the home state regulator. The Conference of State Bank Supervisors provides contact information and website links for all State Banking Departments at: CSBS State Banking Department Links.

National Banks and Federal Savings Banks/Thrifts

If your bank is a national bank (which has the word National in its name, for example First National Bank or has N.A. after its name), you should contact the Comptroller of the Currency (OCC).  The OCC is the primary Federal regulator responsible for nationally chartered commercial banks.

If your bank is a federal savings and loan association, federal savings bank or federal thrift (which has the word "Federal" in its name, for example First Federal Savings and Loan Association, Anytown Federal Bank or has FSB or FA after its name), you should contact the Comptroller of the Currency (OCC).  NOTE: Effective July 21, 2011, the Office of Thrift Supervision (OTS) became part of the Office of the Comptroller of the Currency (OCC).

Answers and Solutions for Customers of National Banks (links to the Comptroller of the Currency's website)

The OCC's Customer Assistance Group (CAG) is ready to help customers of national banks and federal savings banks/thrifts with questions or complaints they have about their financial institution. The OCC has a website HelpWithMyBank.gov, designed specifically to provide answers and assistance to national bank/federal savings bank customers.

Complaints about credit cards, mortgages and other consumer financial products can also be handled by the Consumer Financial Protection Bureau (CFPB). 

Consumer Financial Protection Bureau (CFPB)
The CFPB is a federal agency established by Congress to protect consumers by carrying out Federal consumer financial laws. Among other things, the CFPB:

• Takes consumer complaints
• Restricts unfair, deceptive, or abusive acts or practices
• Promotes financial education
• Researches consumer behavior
• Monitors financial markets for new risks to consumers
• Enforces laws that outlaw discrimination and other unfair treatment in consumer finance

Contact the CFPB: (855) 411-CFPB (2372) or Español (855) 411-CFPB (2372), Fax (855) 237-2392
8 a.m.–8 p.m. Eastern, Monday–Friday

Consumer Financial Protection Bureau
P.O. Box 4503
Iowa City, Iowa 52244

Submit a Complaint Online to the Consumer Financial Protection Bureau
Ask CFPB - Get Answers to Your Financial Questions