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 -------------------------------------------------------------------------------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 -------------------------------------------------------------------------------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 -------------------------------------------------------------------------------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 -------------------------------------------------------------------------------Office of Thrift Supervision (OTS) OTS administers in whole or in part and has enforcement authority over federallychartered 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 -------------------------------------------------------------------------------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 -------------------------------------------------------------------------------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 HUD 24 CFR Rules http://ciir.cs.umass.edu/ua/Spring2005/tables/DEPARTMENT_OF_HOUSING_AND_URBAN_ DEVELOPMENT_(HUD).html

FTC http://www.ftc.gov/bcp/conline/pubs/buspubs/creditad.shtm#openend