The Oklahoma State Banking Department regulates state-chartered banks, credit unions, savings and loans, trust companies, money transmitter companies and money order companies. (Please refer to our institution listing pages)

National-chartered institutions usually contain "National" within the name or end with ",N.A.". Our listing pages contain the Oklahoma state chartered institutions.

The Comptroller of the Currency (800-643-6743) regulates national banks and the National Credit Union Administration (800-755-1030) regulates national credit unions.

The Department of Consumer Credit (405-521-3653) can assist you with these issues.

The Unclaimed Property Division at the State Treasurer''s Office (405-521-4273).

The Federal Trade Commission (877-FTC-HELP [382-4357]).

There is no state law in Oklahoma regarding the limit on overdraft fees. You should refer to your account agreement for a disclosure of the fee that is charged and any circumstances that will limit the fee amount.

Questions relating to securities (such as stocks and bonds) are best answered by the Oklahoma State Securities Department at www.securities.ok.gov or 405-280-7700. That agency maintains jurisdiction over the issuance of securities and those individuals and companies that must maintain appropriate licenses necessary to deal in securities.

The Federal Expedited Funds Availability Act prescribes the time period that a financial institution must make your deposit available to you. In general, a financial institution must make $200 of your deposit available to you on the business day following your deposit. Depending on the circumstances, certain large deposits or new accounts may result in longer holds (up to 9 days).

Oklahoma law found at Title 41 Okla. Stat. section 1110 describes the procedure for getting the lien released on your vehicle.

Oklahoma law found at Title 46 Okla. Stat. section 15 describes the procedure for getting the lien released on your home.

The Federal Trade Commission (www.ftc.gov).

If a financial institution is offering “bank or trust-related activities” to residents of Oklahoma in a public manner, it must file a registration statement with the Oklahoma State Banking Department. Please review O.A.C. 85:10-3-20 for more information.

If the institution is a state-chartered institution, you may use this form [link] to file a complaint.

The primary purpose of the complaint procedure is to assist consumers in obtaining a formal response from a financial institution under the jurisdiction of the Department. If the undisputed facts indicate that an institution has violated state or federal law with respect to the complaining party, the Commissioner may notify both the complaining party and the institution and recommend a resolution to the complaint. The Banking Commissioner does not have jurisdiction to decide questions of fact raised by the parties to a complaint and does not have authority to enforce, interpret, or avoid the provisions of a contract between the parties. The Banking Department also cannot force a financial institution to settle a private dispute with a consumer.

If a bank or credit union does not return the actual checks to the customer, it must either retain them or, if they have been destroyed, maintain the capacity to furnish legible copies of them for 7 years.

You may research information relating to your individual loan officer at www.nmlsconsumeraccess.org.

Answer to Industry question 1