BANKS
National Banks are
supervised by -
Office
of the Comptroller of the Currency
1301 McKinney, Suite 3710
Houston, Texas 77010
(800) 613-6743
Ombudsman for the Office of the Comptroller of the
Currency, Samuel Golden - 713-336-4350 fax 713-336-4351
email samuel.golden@occ.treas.gov
Federally and
state-chartered savings associations are supervised by
-
Office of Thrift
Supervision / Consumer Program Division 1700 G Street, NW
Washington,
DC 20552
(800) 842-6929
Banks that belong to
the Federal Reserve System are supervised by -
Board of
Governors of The Federal Reserve System / Division of Consumer and
Community Affairs 20th
and C Streets, NW, MS 804
Washington, DC 20551
(202) 452-3667
Banks chartered in
Ohio are supervised by -
The
Ohio Department of Commerce
77 South High Street, 21st Floor
Columbus, OH 43266-0121 (614) 728-8400
Credit Unions are
supervised by -
The National Credit
Union Administration 1775 Duke
Street
Alexandria, VA 22314
(703) 518-6300
Consumer
Leasing Act
-
protects against incomplete or misleading information
regarding personal property leases, such as auto leases
Equal
Credit Opportunity Act -
prohibits discrimination in credit
transactions
Fair
Credit Billing Act -
requires prompt correction of errors on credit
accounts and prevents damage to credit ratings while settling credit
disputes
Fair
Credit Reporting Act -
requires prompt correction of mistakes on credit
reports and protects confidentiality of credit reports
Fair
Debt Collection Practices Act -
Fair
Housing Act
-
protects against discrimination in housing loan
transactions
Home
Mortgage Disclosure Act -
requires most lending institutions to disclose
mortgage and home improvement loan information
Truth
in Lending Act -
requires disclosure of costs and terms of credit,
including finance charges and annual percentage rate information.
Also places liability limits on owners of lost or stolen credit
cards.
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