Where to Go for Help The following federal agencies are responsible for enforcing the federal Truth in Lending Act, the law that governs disclosure of terms for home equity lines of credit. Questions concerning compliance with the act by a particular financial institution should be directed to the institution’s enforcement agency.

State Banks that Are Members of the Federal Reserve System Division of Consumer and Community Affairs Mail Stop 801 Federal Reserve Board Washington DC 20551 (202) 452-3693 www.federalreserve.gov 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 Federal Credit Unions National Credit Union Administration Office of Public and Congressional Affairs 1775 Duke St. Alexandria, VA 22314 (703) 518-6330 www.ncua.gov Federally Insured Non-Member State-Chartered Banks and Savings Banks Federal Deposit Insurance Corporation Consumer Response Center 2345 Grand Boulevard Suite 100 Kansas City, Missouri 64108 (877) 275-3342 www.fdic.gov Federally Insured Savings and Loan Institutions and Federally Chartered Savings Banks Office of Thrift Supervision Consumer Programs 1700 G Street, NW, 6th Floor Washington, DC 20552 (202) 906-6237 or (800) 842-6929 www.ots.treas.gov Mortgage Companies and Other Lenders Federal Trade Commission Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580 (202) 326-3758 or (877) FTC-HELP www.ftc.gov

What You Should Know about Home Equity Lines of Credit | Glossary | Checklist