Consumer Services

The Department of Business Oversight (DBO) provides protection to consumers and regulates certain financial institutions, services and professionals. To learn more about the Department's licensees, please visit the List of Licensees and Industries Regulated by the Department. Visit the Who Regulates a Financial Institution page to learn whether a financial institution, such as a bank or credit union, is regulated by the state or federal government.

Your Privacy

Have a Complaint about a Department Licensee?

The Department of Business Oversight encourages the public to submit complaints if it is believed that a licensee of the Department is acting in violation of state law or has acted improperly.  The Department evaluates and reviews complaints for alleged violations of the laws we administer and take appropriate action as authorized under the law. See a List of Licensees and Industries Regulated by the Department.

When you submit a complaint to the Department of Business Oversight, we review it to determine whether it is a matter over which we have jurisdiction. If we are not the proper regulatory authority, we will attempt to direct you to the correct agency.

Please note that the Department does not provide legal or financial advice; we do not act as your private attorney; and we do not act as a court of law. You should seek the assistance of a private attorney if your complaint involves a sum of money you seek to recover or a contract you request cancelled.

You should always file your complaint with the Department, regardless of whether you are resolving your dispute through another forum. The Department relies upon complaints received from investors, borrowers and consumers to ensure that our Licensees are complying with the licensing laws, and to locate and stop investment fraud.

If you have a complaint, please choose a method to submit your information:

By Mail

Online Complaint Form

>> For A Faster Response We Recommend Filing Online <<

Complaint Form - PDF

Mailing Address

Department of Business Oversight
Attn: Consumer Services
1515 K Street, Suite 200
Sacramento, CA 95814

The Department will provide you with a letter or email acknowledging receipt of your complaint and a description of the next steps in the complaint process.

If you need assistance with the complaint form, please call 1-866-275-2677 or 1-800-622-0620. 

Information on DBO's Legal Authority

  • We facilitate communication between consumers and financial institutions, but we do not act as an advocate for either party.
  • We do not have the statutory authority to award damages, overturn fines or other charges, etc.
  • We are unable to act as a court of law or as a lawyer on your behalf.
  • We are unable to give you legal advice.
  • We are unable to become involved in complaints that are in litigation or have been litigated.
  • We are unable to resolve factual disputes or disagreements over the interpretation of contracts.

If your particular question requires legal interpretation or assistance please go to California Courts Free & Low-Cost Legal Help website for information on how to get free or low cost legal assistance.

Review Our FAQ’s

Questions and answers about the DBO and DBO licensees.

Locate Additional Resources on Our Consumer Education & Outreach Page

Information and resources on home ownership issues, institution closures, unclaimed property, lien issues, account insurance, financial literacy and more!

How do I file a complaint against a Mortgage Banker, Finance Company, Mortgage Loan Originator, Escrow Company, Payday Lender or Check Seller?

You may only file a complaint against one of the above companies or mortgage loan originators if they are licensed by the Department of Business Oversight. In order to determine if a company is licensed by the Department of Business Oversight's Division of Corporations you may call us or search through the Licensee Listing.  In order to determine if a mortgage loan originator is licensed by the Department of Business Oversight please review the NMLS Consumer Access website.

The Department of Business Oversight's toll-free telephone number for determining license status is (866) 275-2677. You may call this number to discuss your problem and determine if your concern is an issue over which the Department has jurisdiction. Once it is determined that your complaint falls within our jurisdiction, a complaint form will be sent to you, or you may download the complaint form from our website. When we receive the completed form, we contact the company and request the information and documents needed to complete an independent review of the complaint. The Department also requires the licensee involved to investigate and respond to both you and the Department regarding the concerns raised in the complaint.

Please keep in mind that as an administrative agency, the Department's authority is limited. We cannot litigate on your behalf, or act as your attorney. If the circumstances of your complaint require legal action, you may wish to consult an attorney. If the matter already involves litigation, the Department will generally not issue a letter of findings to you. However, the complaint will be reviewed on a confidential basis and any appropriate action will be taken.

If your particular question requires legal interpretation or assistance please go to California Courts Free & Low-Cost Legal Help website for information on how to get free or low cost legal assistance.