Other Frequently Asked Questions
Q: Who does the Office of the Commissioner of Banks regulate?
A: The Office of the Commissioner of Banks regulates financial industries including state-chartered banks, mortgage companies, check cashers, money transmitters, consumer finance companies, and refund anticipation lenders. It does not regulate national banks (Office of the Comptroller of the Currency), federally chartered thrifts (Office of Thrift Supervision) or credit unions (North Carolina Credit Union Division and National Credit Union Administration).
Q: What if I have a problem with one of the companies the Office of the Commissioner of Banks regulates?
A: Many of your questions may be answered in the Consumer Assistance FAQ section. Also, you may submit a complaint online by completing a complaint form .
Q: How do I find out if any enforcement actions have been taken against a mortgage lender/broker or loan officer?
A: Enforcement actions are posted on our website under the "Mortgage" section or by clicking here.
Q: What if I need legal advice?
A: The Office of the Commissioner of Banks does not give legal advice. However, we have a "Legal and Compliance References" section under "Researchers" that provides many legal references that may be helpful to you.
Q: What is the Maximum Rate of Interest permitted on certain loans?
A: The Maximum Rate of Interest permitted on certain loans may be found in "Publications and Reports" (which is found under "Researchers").