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Consumer Compliance

Information for Consumers

The OCC enforces compliance with consumer protection laws in national banks and federal savings associations.  We do not have regulatory oversight for other types of financial institutions. If you have a concern or question about a compliance-related matter in national banks, see the Consumer Protection page, and visit Answers & Solutions for Customers of National Banks where you will find a wealth of consumer-friendly resources.

Not sure if your bank is a national bank?

To learn if your bank is a national bank or to find out if your mortgage company is associated with a national bank Read Is Your Financial Institution a National Bank?

Who regulates the other types of financial institutions?

If your financial institution isIt is regulated by
A credit unionThe National Credit Union Association
A state-chartered bank that is not a member of the Federal Reserve SystemThe Federal Deposit Insurance Corporation
Conference of State Bank Supervisors
A state-chartered bank that is a member of the Federal Reserve System

The Federal Reserve
Conference of State Bank Regulators

Want your voice heard on Capitol Hill?

Visit to comment on proposed legislation, see what others are saying about upcoming laws, and more

Resources for Bankers

OCC Handbooks
Access a complete list of OCC’s Comptroller’s Handbooks on consumer compliance and other legislation related to national banks.

Laws and Regulations
Find information about the laws and regulations administered by OCC, as well as those under the purview of other federal agencies.
Search for proposed and final rules, submit and read comments, and more

Related News and Issuances
Publish DateIdentifierTitle
08/04/2015  OCC 2015-36, Tax Refund-Related Products: Risk Management Guidance
05/01/2015  OCC 2015-27, Consumer Compliance: Revised Interagency Examination Procedures for Consumer Compliance
04/14/2015  OCC 2015-25, Real Estate Settlement Procedures Act: Revised Comptroller's Handbook Booklet and Rescissions