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A Consumer's Guide to Mortgage Lock-Ins. Illustration of a home with trees in the background.

State Agencies

State consumer protection offices, banking authorities, and offices of the attorney general can be contacted regarding complaints against many lenders doing business in the state. (Some states have enacted legislation to spe­cifically address complaints about mortgage lock-ins.)


Federal Agencies

In addition, some lenders are directly super­vised by federal regulatory agencies, as shown in the list that follows:

Mortgage Companies
Federal Trade Commission
Consumer Response Center - 240
600 Pennsylvania Avenue, NW
Washington, DC 20580
(877) FTC-HELP (877-382-4357)

Federal Savings Association
Office of the Comptroller of the Currency
Consumer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
(800) 613-6743

State Member Banks of the Federal Reserve System
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
888-851-1920 (Phone)
877-766-8533 (TTY)
877-888-2520 (Fax)
Email: ConsumerHelp@FederalReserve.gov
www.FederalReserveConsumerHelp.gov

National Banks
Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
(800) 613-6743

Federally Insured Non-Member State-Chartered Banks and Savings Banks
Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut Street, Box 11
Kansas City, MO 64106
(877) 275-3342

Federal Credit Unions
National Credit Union Administration
Office of Public and Congressional Affairs
1775 Duke Street
Alexandria, VA 22314
(800) 755-1030


A Consumer's Guide to Mortgage Lock-Ins