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I have an inquiry or complaint about my mortgage lender, originator or servicer - Financial Regulation

The Office of the Commissioner of Financial Regulation ("Commissioner") is responsible for regulating those who are licensed (or who should be licensed) to do business in the residential mortgage industry in Maryland. If you are uncertain as to whether a company is licensed in Maryland, please review our licensing search page. If you have a complaint against a mortgage lender, originator or servicer that is licensed or a company that should be licensed by the Commissioner, please review the directions on how to file a complaint with this office.

Federally chartered depository institutions or insured depository institutions chartered in states other than Maryland are not regulated or supervised by the Commissioner. These include several national mortgage servicers such as Bank of America, Citibank, JP Morgan Chase and Wells Fargo. If you are having difficulty paying your mortgage, please contact the MD Hope Hotline at (1-877-462-7555) or visit MDHOPE. See our advisory "Attention Homeowners Facing Mortgage Difficulties" (Word) for more information and how to avoid being victimized by mortgage scams.

Mortgage Entities that are NOT Regulated by the Maryland Office of the Commissioner of Financial Regulation.

Please refer to the following list of companies as we DO NOT regulate these entities. This list is not exhaustive. Follow the link to the primary regulator for that company/institution so that you may ask a question or file your complaint.

Company Name Subsidiary/Affiliate/Parent Home State Primary Regulator
Bank of America, N.A. National Bank NC Office of the Comptroller of the Currency (OCC)
Branch Banking & Trust Co. (BB&T) Out-of-State Bank NC FDIC
Capital One Bank, N.A. National Bank VA Office of the Comptroller of the Currency (OCC)
Chase Mortgage acquired by JPMorgan Chase Bank, NA OH Office of the Comptroller of the Currency (OCC)
Citibank, N.A. National Bank NV Office of the Comptroller of the Currency (OCC)
HSBC Bank USA, NA National Bank DE Office of the Comptroller of the Currency (OCC)
JP Morgan Chase Bank, N.A. National Bank OH Office of the Comptroller of the Currency (OCC)
Regions Bank Out-of-State Bank AL State of Alabama
Wells Fargo Bank, N.A. National Bank SD Office of the Comptroller of the Currency (OCC)
Wells Fargo Home Mortgage Part of Wells Fargo Bank SD Office of the Comptroller of the Currency (OCC)