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Appendix A—Federal Agencies to be Listed in Adverse Action Notices*

There are amendments below to this section in this color that are effective April 19, 2023, but with a mandatory compliance date of 3/20/2024 to allow affected entities sufficient time to implement changes to forms.


There are amendments below to this section in this color that are effective September 25, 2023, but with a mandatory compliance date of 3/20/2024 to allow affected entities sufficient time to implement changes to forms.


The following list indicates the Federal agency or agencies that should be listed in notices provided by creditors pursuant to §1002.9(b)(1). Any questions concerning a particular creditor may be directed to such agencies. This list is not intended to describe agencies' enforcement authority for ECOA and Regulation B. Terms that are not defined in the Federal Deposit Insurance Act (12 U.S.C. 1813(s)) shall have the meaning given to them in the International Banking Act of 1978 (12 U.S.C. 3101).

1. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates: Bureau of Consumer Financial Protection, 1700 G Street NW., Washington DC 20006. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the Bureau: FTC Regional Office for region in which the creditor operates or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 1 is amended to read:

1. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates: Bureau of Consumer Financial Protection, 1700 G Street NW, Washington DC 20552. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the Bureau: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.

2. To the extent not included in item 1 above:

a. National banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks: Office of the Comptroller of the Currency, Customer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010–9050

Editor's note: OCC Bulletin 2021-35 (8/5/2021) updated this address to Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box 53570, Houston, TX 77052. The notices should be updated with this address by November 3, 2021.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 2.a. is amended to read:

a. National banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks: Office of the Comptroller of the Currency, Customer Assistance Group, P.O. Box 53570, Houston, TX 77052

b. State member banks, branches and agencies of foreign banks (other than Federal branches, Federal agencies, and insured state branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act: Federal Reserve Consumer Help Center, P.O. Box 1200, Minneapolis, MN 55480.

c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and Insured State Savings Associations: FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 2.c. is amended to read:

c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and Insured State Savings Associations: Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106.

d. Federal Credit Unions: National Credit Union Administration, Office of Consumer Protection, 1775 Duke Street, Alexandria, VA 22314.

Editor's Note: Effective September 25, 2023 (compliance by March 30, 2024), paragraph 2.d. is amended to read:

d. Federal Credit Unions: National Credit Union Administration, Office of Consumer Financial Protection (OCFP), 1775 Duke Street, Alexandria, VA 22314.

3. Air carriers: Assistant General Counsel for Aviation Enforcement and Proceedings, Department of Transportation, 400 Seventh Street SW., Washington, DC 20590.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 3. is amended to read:

3. Air carriers: Assistant General Counsel for Office of Consumer Aviation Protection, Department of Transportation, 1200 New Jersey Avenue SE, Washington, DC 20590.

4. Creditors Subject to Surface Transportation Board: Office of Proceedings, Surface Transportation Board, Department of Transportation, 1925 K Street NW., Washington, DC 20423.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 4. is amended to read:

4. Creditors Subject to Surface Transportation Board: Office of Public Assistance, Governmental Affairs, and Compliance, Surface Transportation Board, 395 E Street SW, Washington, DC 20423.

5. Creditors Subject to Packers and Stockyards Act: Nearest Packers and Stockyards Administration area supervisor.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 5. is amended to read:

5. Creditors Subject to Packers and Stockyards Act: Nearest Packers and Stockyards Division Regional Office.

6. Small Business Investment Companies: Associate Deputy Administrator for Capital Access, United States Small Business Administration, 409 Third Street SW., 8th Floor, Washington, DC 20416.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 6. is amended to read:

6. Small Business Investment Companies: Associate Administrator, Office of Capital Access, United States Small Business Administration, 409 Third Street SW, Suite 8200, Washington, DC 20416.

7. Brokers and Dealers: Securities and Exchange Commission, Washington, DC 20549.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 7. is amended to read:

7. Brokers and Dealers: Securities and Exchange Commission, 100 F Street NE, Washington, DC 20549.

8. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations: Farm Credit Administration, 1501 Farm Credit Drive, McLean, VA 22102–5090.

9. Retailers, Finance Companies, and All Other Creditors Not Listed Above: FTC Regional Office for region in which the creditor operates or Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.

Editor's Note: Effective April 19, 2023 (compliance by March 30, 2024), paragraph 9. is amended to read:

9. Retailers, Finance Companies, and All Other Creditors Not Listed Above: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580.

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