Get Answers Regarding...

Other Topics - Banks: General Questions


Where are national banks licensed to do business?

National banks are chartered by the OCC. Generally they may do business anywhere in the United States.

How do I determine which agency regulates my bank?

National banks are regulated by the OCC. To find out if your bank is a national bank visit the Is My Bank a National Bank? page on this Web site.

If your bank is not a national bank, call the OCC Customer Assistance Group (1-800-613-6743) to find out which agency regulates it.

My bank has changed its name, but I'm not sure to what. How can I find out?

Please call the OCC Customer Assistance Group (1-800-613-6743) for more information.

My bank provides terrible customer service. What can I do?

If you are dissatisfied with the level of service, ask other banks how they would treat a customer under similar circumstances. Banks realize that they operate in a free market; they know that customers will compare factors such as interest rates and the quality and price of services offered.

No banking laws or regulations apply to levels of customer service.

I want to know how many complaints have been filed against my bank.

The OCC Customer Assistance Group does not provide consumer complaint information to the public. To request complaint information on a national bank, you will need to file a Freedom of Information Act (FOIA) request with the OCC.

You can access specific information about filing an OCC FOIA complaint by visiting How to Make a FOIA Request on the OCC Web site. You will find information on how to make a FOIA request, time frames, and fees. If you have questions, call 1-202-874-4700.

I want to access all the contents of my complaint file against my bank.

The OCC Customer Assistance Group does not provide consumer complaint information to the public. To request complaint information on a national bank, you will need to file a Freedom of Information Act (FOIA) request with the OCC.

You can access specific information about filing a FOIA complaint on the How to Make a FOIA Request page on the OCC Web site. You will find information on how to make a FOIA request, time frames, and fees. If you have questions, call 1-202-874-4700.

What is an operating subsidiary of a national bank?

A company that is owned by the bank and does business directly with consumers. An operating subsidiary provides products and services to individuals to be used primarily for personal, family, or household purposes. (Examples would be a mortgage company or auto finance corporation that is owned by the bank: "Bank X doing business as Ivy Auto Loans.")

To find out if a company is an operating subsidiary of a national bank visit Is My Bank A National Bank?

How can I find information on a particular bank?

You can obtain information about your bank directly from the bank or its Web site.

You can obtain the following types of information from the OCC by contacting the Communications Division at 1-202-874-4700. (There may be a charge for this service.)

How do I purchase foreclosed property from a bank?

Contact the bank directly. Sometimes banks hire a real estate agency and sell foreclosed homes in the traditional manner.

The bank has shut its doors and has not been taken over by another bank or regulatory agency. Who can I contact?

Questions about closed banks and asset sales should be directed to the FDIC toll-free number, 1-888-206-4662.

How can I find the registered agent of the bank?

National banks do not have registered agents. Any officer or director can accept service of process.

I am suing the bank. Should I serve the registered agent?

National banks do not have “registered agents.” Therefore, matters relating to registered agents should be directed to the specific bank’s president. Please contact the bank directly to obtain the name and business address of the president.

Do national banks have registered agents?

National banks do not have “registered agents.” Therefore, matters relating to registered agents should be directed to the specific bank’s president. Please contact the bank directly to obtain the name and business address of the president.

How can I contact the State bank examiners?

Generally, each State has its own State banking agency. You should refer to State government phone numbers or check the Internet at www.csbs.org for available information.







Copyright 2007 by Mark McCracken , All Rights Reserved