In the U.S., lenders are regulated by federal and state agencies to protect borrowers and investors. If a lender cannot perform, misleads clients, or operates unethically, you have the right to report them. In serious cases, regulators can investigate and even revoke licenses.

Government Agencies to Contact

• Consumer Financial Protection Bureau (CFPB)
  📞 (855) 411-2372
  🌐 consumerfinance.gov/complaint
  → Handles complaints on unfair lending, mortgage servicing, and predatory practices.

• U.S. Department of Housing & Urban Development (HUD)
  📞 (800) 569-4287
  → For FHA-related loans and housing counseling. Can escalate lender violations tied to FHA programs.

• Office of the Comptroller of the Currency (OCC)
  📞 (800) 613-6743
  → Oversees national banks and federal savings associations.

• Federal Housing Finance Agency (FHFA)
  📞 (202) 649-3811
  → For lenders connected with Fannie Mae, Freddie Mac, or Federal Home Loan Banks.

• Federal Trade Commission (FTC)
  📞 (877) 382-4357
  → Report deceptive lending practices and financial fraud.

• State Banking & Financial Regulators
  📞 Numbers vary by state.
  🌐 Search “[Your State] Department of Banking & Finance.”
  → They oversee state-licensed mortgage lenders and can suspend or revoke licenses.

Private & Industry Resources

• Better Business Bureau (BBB)
  📞 (703) 276-0100 | 🌐 bbb.org
  → File a public complaint and check lender ratings.

• NMLS (Nationwide Multistate Licensing System & Registry)
  🌐 nmlsconsumeraccess.org
  → Verify lender licenses and file reports. States often use NMLS for license revocation investigations.

Steps You Can Take

1. Collect Evidence – Keep all contracts, emails, and communications.

2. File a Complaint – Start with the CFPB or your state regulator.

3. Escalate for License Review – If violations are serious, state regulators can suspend or revoke a lender’s license through the NMLS system.

4. Seek Housing Counselors or Legal Aid – HUD-approved agencies can help you understand your rights and next steps.

Remember: You are not powerless. If a lender cannot perform, you can protect yourself and others by reporting to the proper agencies. Regulators have the authority to investigate, fine, or revoke licenses when necessary.