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Where to report ECOA violations

If you suspect a creditor has violated your rights under the Equal Credit Opportunity Act, you'll want to contact the appropriate federal enforcement agency. Here's a roundup.

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For retail stores, department stores, small loan and finance companies, mortgage companies, oil companies, public utilities, state credit unions, government lending programs and travel and expense credit card companies, file complaints with the Federal Trade Commission.

The mailing address is:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, D.C. 20580

For a nationally chartered bank, file a complaint with the Office of the Comptroller of the Currency.

The mailing address is:
Comptroller of the Currency
Compliance Management
Mail Stop 7-5
Washington, D.C. 20219

For a state-chartered bank that is insured by the Federal Deposit Insurance Corporation but is not a member of the Federal Reserve System, file a complaint with the Federal Deposit Insurance Corporation.

The mailing address is:
Federal Deposit Insurance Corporation
Consumer Affairs Division
Washington, D.C. 20429

For a federally chartered or federally insured savings and loan association, file a complaint with the Office of Thrift Supervision.

The mailing address is:
Office of Thrift Supervision
Consumer Affairs Program
Washington, D.C. 20552

For a federally chartered credit union, file a complaint with the National Credit Union Administration.

The mailing address is:
National Credit Union Administration
Consumer Affairs Division
Washington, D.C. 20456

In addition, you can file a complaint against any kind of creditor by contacting the U.S. Department of Justice.

The mailing address is:
Department of Justice
Civil Rights Division
Washington, D.C. 20530


-- Posted: Feb. 27, 2004




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