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APPENDIX B—Federal Enforcement Agencies

The following list indicates which federal agency enforces Regulation E for particular classes of institutions. Any questions concerning compliance by a particular institution should be directed to the appropriate enforcing agency. Terms that are not defined in the Federal Deposit Insurance Act (12 USC 1813(s)) shall have the meaning given to them in the International Banking Act of 1978 (12 USC 3101).
National banks, and federal branches and federal agencies of foreign banks
District office of the Office of the Comptroller of the Currency where the institution is located
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 Bank serving the District in which the institution is located
Nonmember insured banks and insured state branches of foreign banks
Federal Deposit Insurance Corporation regional director for the region in which the institution is located
Savings institutions insured under the Savings Association Insurance Fund of the FDIC and federally chartered savings banks insured under the Bank Insurance Fund of the FDIC (but not including state-chartered savings banks insured under the Bank Insurance Fund).
Office of Thrift Supervision regional director for the region in which the institution is located
Federal credit unions
Division of Consumer Affairs National Credit Union Administration 1775 Duke Street Alexandria, VA 22314-3428
Air carriers
Assistant General Counsel for  Aviation Enforcement and Proceedings Department of Transportation 400 Seventh Street, S.W. Washington, DC 20590
Brokers and dealers
Division of Market Regulation Securities and Exchange Commission Washington, DC 20549
Retailers, consumer finance companies, certain other financial institutions, and all others not covered above
Federal Trade Commission Electronic Fund Transfers Washington, DC 20580

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