The Justice Department’s fair lending enforcement authority is focused on pattern or practice discrimination cases. Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [HUD] or one of the federal regulatory agencies listed below. Individuals may also file their own lawsuits under both the Fair Housing Act and ECOA.
Individuals who believe that they are the victims of other unfair credit transactions should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate are as follows:
Office of Thrift Supervision [OTS]: Savings associations and federally chartered savings banks (the word "Federal" or the initials "F.S.B." appear in federal institutions’ name).
Comptroller of Currency [OCC]: National banks and federal branches/agencies of foreign banks (the word "National" or the initials "N.A." appear in or after the bank’s name).
Federal Reserve Board [FRB]: Financial institutions that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks.
Federal Deposit Insurance Corporation [FDIC]: State chartered banks that are not members of the Federal Reserve System.
National Credit Union Association [NCUA]: Federal credit unions (the words "federal credit union" appear in the institutions’ name).
Federal Trade Commission: Retailers, finance companies, creditors (including most mortgage companies) that are not assigned to another agency.