Consumers - Who Regulates a Financial Institution?
- Business and Industrial Development Corporations (BIDCO)
- California Finance Lenders
- California Residential Mortgage Lenders
- Capital Access Companies
- Check Sellers, Bill Payers and Proraters
- Corporate Securities Law of 1968
- Credit Unions
- Deferred Deposit Transactions - Payday Lenders
- Escrow Agents/ Escrow Laws
- Foreign (Other Nation) Banks
- Foreign (Other State) Banks
- Franchise Investment Law
- Industrial Banks
- Investment Advisers
- Local Agency Security Program (LASP)
- Money Transmitters
- Mortgage Loan Originators
- Premium Finance Companies
- Trust Companies and Departments
DBO Licenses and Regulates:
Other State and National Financial Institution Regulators
The OCC is responsible for national banks. National banks are distinguished by the words “national” or “national association” or the initials “N.A.”
Examples: Bank of America, N.A. Citibank, N.A., JPMorgan Chase Bank, N.A., Union Bank, N.A., U.S. Bank, N.A., and Wells Fargo Bank, N.A.
National banks sometimes omit the words "national association" or the initials "N.A." in their advertising. To determine if your bank is a national bank, you may wish to check your official bank documents, checks, loan documents, deposit agreement, etc.
Note: On July 21, 2011, supervisory responsibility for federal savings associations transferred from the OTS to the OCC.
The National Credit Union Administration is responsible for Federal credit unions. Federal credit unions are distinguished by the words “federal” or the initials “F.C.U.”
Examples: First Technology Federal Credit Union, Kinecta Federal Credit Union, Lockheed Federal Credit Union, Mission Federal Credit Union, Navy Federal Credit Union and Schools First Federal Credit Union (fka Orange County Teachers FCU)
Federal credit unions sometimes omit the word “federal credit union” or the initials “F.C.U.” in their advertising. To determine if your credit union is a Federal credit union, you may wish to check your official documents, checks, loan documents, deposit agreement, etc. for the exact legal title.
Other California Financial Service Regulators
The BRE is responsible for the administration and enforcement of the Real Estate Law and Subdivided Lands Law. Licensees include real estate brokers and salespersons, prepaid rental listing services and mineral, oil and gas brokers. Real estate brokers may also act as mortgage brokers.
OREA licenses real estate appraisers and ensures adherence to the national Uniform Standards of Professional Appraisal Practice (USPAP) and the California Real Estate Appraisers Licensing and Certification Law and Regulations.
Additional State Financial Service Contacts
The AG administers the Check Casher Permit Program. Every owner of a check cashing business in California is required by law to obtain a permit from the Attorney General's Department of Justice.
CDI licenses and regulates the rates and practices of insurance companies, agents, and brokers in California including title insurance companies and title insurance controlled escrows.
Note: If you don’t find your financial institution listed, please see the list of federal and other regulators below.
The National Information Center (NIC) is a central repository of data about banks and other institutions. To find an institution, go to the NIC Website, enter your criteria and click the "Submit" button.