Consumer Protection

The Federal Reserve is responsible for enforcing many federal laws—including the Truth in Lending Act, the Community Reinvestment Act, and the Home Ownership and Equity Protection Act—that protect consumers in their dealings with state-chartered banks that are members of the Federal Reserve System.

Consumers have the right to file a complaint against a financial institution they believe has acted unfairly or deceptively or has violated a law or regulation. A complaint may be filed with the Federal Reserve if it is the federal regulator of the financial institution in question; otherwise, the Fed will help by directing consumers to the appropriate regulatory agency.

For further guidance in filing a complaint, visit the Federal Reserve Consumer Help website.

Consumer Help