Government Agencies

THIS IS GUERILLA WARFARE

THIS IS NOT LEGAL ADVICE

Government Agencies

Resources For enforcement of: Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA & Regulation Z), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and the Home Mortgage Disclosure Act (HMDA) to name a few.

FEDERAL AGENCIES

Federal Trade Commission (FTC)
The FTC has enforcement authority in the case of mortgage companies for the following laws: Equal Credit Opportunity Act (interpretive questions may be addressed to the Federal Reserved Board (FRB)) Fair Credit Reporting Act Fair Debt Collection Practices Act Truth in Lending Act (interpretive questions may be addressed to the Federal Reserved Board) (Note that this act includes Regulation Z and "Section 32" loan disclosure requirements)
Website: http://www.ftc.gov
Telephone: (877) 382-HELP (4357)
FTC Headquarters/Financial Services Division
600 Pennsylvania Avenue NW
Washington, D.C. 20580 (202) 236-2222

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Federal Reserve Board (FRB)

Persons with questions about the meaning of any Regulation Z provision under the Truth in Lending Act, the Home Mortgage Disclosure Act, or the Equal Credit Opportunity Act may request formal board or unofficial staff interpretation.
The questions should be addressed to:
Director of the Division of Consumer and Community Affairs
Board of Governors of the Federal Reserve System
20th Street and Constitution Avenue NW
Washington, D.C. 20551
(202) 452-3000
Website: http://www.federalreserve.gov

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Department of Housing and Urban Development (HUD)

HUD has administrative authority for, among others, the following acts: Real Estate Settlement Procedures Act (RESPA) Home Mortgage Disclosure Act (HMDA)

Department of Housing and Urban Development
RESPA Division
451 7th Street SW, Suite 9146
Washington, DC 20410
(202) 708-1455
Website: http://www.hud.gov

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Office of the Comptroller of the Currency (OCC)

The OCC administers in whole or in part, and has enforcement authority over national banks for the following Acts: Community Reinvestment Act Equal Credit Opportunity Act Fair Credit Reporting Act Fair Housing Act Home Mortgage Disclosure Act Real Estate Settlement Procedures Act Truth in Lending Act For information regarding the consumer laws, contact the OCC at:

OCC
Consumer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010
(800) 613-6743 FAX (713) 336-4301
Website: http://www.occ.treas.gov

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Office of Thrift Supervision (OTS)

OTS administers in whole or in part and has enforcement authority over federally-chartered and state-chartered savings institutions for the following Acts: Community Reinvestment Act Equal Credit Opportunity Act Fair Credit Reporting Act Fair Debt Collection Practices Act Fair Housing Act Home Mortgage Disclosure Real Estate Settlement Procedures Act Truth in Lending Act For information regarding the consumer laws, contact:

Office of Thrift Supervision
1700 G. Street, N.W.
Washington, DC 20552

202-906-6000
Website: http://www.ots.treas.gov

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Federal Deposit Insurance Corporation (FDIC)
Central intake point for consumer complaints or inquiries about banks that are not members of the Federal Reserve System.

Federal Deposit Insurance Insurance Corporation
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108-2638

(800) 378-9581 FAX (703) 812-1020
Email: consumer@fdic.gov Website: http://www.fdic.gov
Electronic Customer Assistance Form Website: http://www.fdic.gov/consumers/consumer/ccc/index.html

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Federal Communications Commission

Among other things, may investigate complaints about unsolicited telephone marketing calls and faxes.

Federal Communications Commission Consumer &
Governmental Affairs Bureau
445 12th Street, SW
Washington, D.C. 20554

1-888-CALL-FCC (1-888-225-5322)
Website: www.fcc.gov/cgb

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HUD

http://www.hud.gov/offices/hsg/sfh/pred/predlend.cfm
HUD-OCC-OTS
Baltimore Field Office City Crescent Building
10 S. Howard Street, Fifth Floor
Baltimore, MD 21201-2505

Phone: (410) 962-2520 Fax: (410) 962-1849 TTY: (410) 962-0106
James Kelly, Field Office Director Office Hours: 8:00 a.m. to 4:30 p.m.,
Monday through Friday HUD 24 CFR Rules http://ciir.cs.umass.edu/ua/Spring2005/tables/DEPARTMENT_OF_HOUSING_AND_URBAN_DEVELOPMENT_(HUD).html

National Reverse Mortgage Lenders Association (NRMLA)

NRMLA
1400 16th Street, NW
Washington, D.C. 20036

(202) 939-1790
Website: http://www.reversemortgage.org

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American Association of Retired Persons (AARP)

AARP
601 E Street
Washington, DC 20049

(888) 687-2277
Website: http://www.aarp.org/scsep/