The following federal agencies are responsible for enforcing the federal Truth in Lending Act, the law that governs credit term disclosure for home equity lines. Any questions concerning compliance with the act by a particular financial institution should be directed to its enforcement agency.

State Member Banks of the Federal Reserve System

Division of Consumer and Community Affairs
Board of Governors of the Federal reserve System
20th Street and Constitution Avenue, N.W.
Washington, D.C. 20551
2(202) 452-3000
www.bogfrb.fed.us

National Banks

Community and Consumer Policy
Office of the Comptroller of the Currency
250 E. Street, S.W.
Washington, D.C. 20219
(202) 874-4428
www.occ.treas.gov

Federal Credit Unions

National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
(703) 518-6300
www.ncua.gov

Federally Insured Non-Member State Chartered Banks

Office of Consumer Affairs
Federal Deposit Insurance Corporation
550 Seventeenth Street, N.W.
Washington, D.C. 20429
(800) 934-3342; (202) 942-3100
www.fdic.gov

Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks

Office of Thrift Supervision
1700 G. Street, N.W.
Washington, D.C. 20552
(202) 906-6000
www.ots.treas.gov

Mortgage Companies

Consumer Response Center
Bureau of Consumer Protection
Federal Trade Commission
6th Street & Pennsylvania Avenue, N.W.
Washington, D.C. 20580
(202) 326-3761
www.ftc.gov