State-Chartered Banks - Financial Regulation
The Office of the Commissioner of Financial Regulation supervises all Maryland-chartered banks. We work to ensure that consumers can conduct their financial business in well-managed and sound institutions. We can also assist you with general banking questions or complaints that involve any of the banks we charter. If you have a question or a complaint, you will first need to determine if your bank is a Maryland state-chartered institution. You can do that by checking to see if it is included on our directory of state-chartered institutions. This directory includes the banks we supervise. For questions about any of these banks, please contact us at 410-230-6022 or send an e-mail to Teresa Louro.
For complaints, because you and your bank are most familiar with your account(s), we ask that you start by dealing directly with your bank to resolve any problems. Make sure that you talk with someone who is at a high enough level of authority at the bank. If you are still unable to resolve the problem and you want to file a complaint against your bank, please contact our Consumer Services Unit.
You should be aware that not all banks operating branches in our state are Maryland-chartered institutions. Some banks are federally chartered and some banks are chartered by other states. These institutions are supervised by other regulatory agencies and our office does not have jurisdiction over them. If you have a question or complaint involving one of these banks, you will need to contact the appropriate regulator. The easiest way to determine which agency you should contact is to simply ask your bank who its state or federal regulator is.
Generally, you can also determine which agency to contact by looking at the full name of your bank. If your institutions has "National," "National Association," or "NA" included in its name, it is a national bank and is regulated by the Office of the Comptroller of the Currency (OCC). You can reach the OCC's Customer Assistance Group at 800-613-6743.
If your bank has "Federal," "Federal Savings and Loan," "Federal Association," "FSB," "FSLA," or "FA" included in its name, it is a federal savings bank or thrift and is also regulated by the Office of the Comptroller of the Currency (OCC). You can reach the OCC's Customer Assistance Group at 800-613-6743.
If your bank is chartered by another state, you will need to contact the banking department of the state where your institution is headquartered. For a list of other state banking departments, see the Conference of State Bank Supervisors (CSBS) website.
Find answers to frequently asked questions related to banking.
What to do if you suspect fraud at any institution we supervise (Word)