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Why is the OCC referring me to the Consumer Financial Protection Bureau (CFPB) if my complaint is regarding a national bank or federal savings association?

The OCC is the prudential regulator for national banks and federal savings associations. However, since passage of the Dodd-Frank Act, certain rules and regulations were placed under the authority of the CFPB. If the OCC refers you to the CFPB it is because your concern(s) falls under the CFPB’s regulatory authority. If the complaint is forwarded to the CFPB, we will send a letter notifying you of the referral. The CFPB’s telephone number is 855-411-2372. Their website is

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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