States have a number of consumer protection laws to help those who have been defrauded or treated unfairly by a creditor. Creditors, realizing you are trying to fix your credit, might begin to employ unfair and desperate measures to try to squeeze as much money as they can from you before it is too late. These methods may include harassing phone calls and letters and possibly calling your place of employment or your friends.
In order to protect consumers, the Federal Trade Commission (FTC) has enacted numerous laws to help to protect consumers from unfair practices and the Bureau of Consumer Protection conducts investigations, sues companies who violate these laws, develops rules to protect consumers, and educates consumers and businesses about their rights and responsibilities.
If you have been treated unfairly by a creditor, here is a listing of the United States regulatory agencies to contact. If you feel that your credit rights have been violated or if you feel that you have been treated unfairly, contact one of these agencies below.
| Type of Creditor | Who to Contact |
| National Banks | Office of the Comptroller of the Currency Customer Assistance Unit 1301 McKinney St. Suite 3710 Houston, TX 77010 (800) 613-6743 www.occ.treas.gov |
| State Member Banks of the Federal Reserve System | Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington, D.C. 20551 (202) 452-3693 www.federalreserve.gov |
| Non-Member Federally Insured State Banks | Federal Deposit Insurance Corporation Office of Compliance and Consumer Affairs 550 Seventeenth St., N.W. Washington, D.C. 20429 (202) 942-3100 www.fdic.gov |
| Savings and Loan Associations | Office of Thrift Supervision Consumer Programs 17010 G Street, N.W., 6th Floor Washington, D.C. 20552 (202) 906-6237 www.ots.treas.gov |
| Federal Credit Unions | National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke Street Alexandria, VA 22314 (703) 518-6330 www.ncua.gov |
| Other Lenders | Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, N.W. Washington, D.C. 20580 (202) 326-3758 www.ftc.org |
