[Code of Federal Regulations]
[Title 12, Volume 3, Parts 220 to 299]
[Revised as of January 1, 2001]
From the U.S. Government Printing Office via GPO Access
[CITE: 12CFR227.2]

[Page 452-453]
 
                       TITLE 12--BANKS AND BANKING
 
                   CHAPTER II--FEDERAL RESERVE SYSTEM
 
PART 227--UNFAIR OR DECEPTIVE ACTS OR PRACTICES (REGULATION AA)--Table of Contents
 
                     Subpart A--Consumer Complaints
 
Sec. 227.2  Consumer complaint procedure.

    (a) Submission of complaints. (1) Any consumer having a complaint 
regarding a State member bank is invited to submit it to the Federal 
Reserve System. The complaint should be submitted in writing, if 
possible, and should include the following information:
    (i) A description of the act or practice that is thought to be 
unfair or deceptive, or in violation of existing law or regulation, 
including all relevant facts;
    (ii) The name and address of the bank that is the subject of the 
complaint; and
    (iii) The name and address of the complainant.
    (2) Consumer complaints should be made to:
    (i) The Director, Division of Consumer Affairs, Board of Governors 
of the Federal Reserve System, Washington, DC 20551; or
    (ii) The Federal Reserve Bank of the District in which the bank is 
located. The addresses of the Federal Reserve Banks are as follows:

Federal Reserve Bank of Boston, 30 Pearl Street, Boston, MA 02106.
Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045.
Federal Reserve Bank of Philadelphia, 100 North 6th Street, 
Philadelphia, PA 19105.

[[Page 453]]

Federal Reserve Bank of Cleveland, 1455 East Sixth Street, Cleveland, OH 
44101.
Federal Reserve Bank of Richmond, 100 North Ninth Street, Richmond, VA 
23261.
Federal Reserve Bank of Chicago, 230 South La Salle Street, Chicago, IL 
60690.
Federal Reserve Bank of St. Louis, 411 Locust Street, St. Louis, MO 
63166.
Federal Reserve Bank of Minneapolis, 250 Marquette Street, Minneapolis, 
MN 55480.
Federal Reserve Bank of Kansas City, 925 Grand Avenue, Kansas City, MO 
64198.
Federal Reserve Bank of Dallas, 400 South Akard Street, Dallas, TX 
75222.
Federal Reserve Bank of Atlanta, 104 Marietta Street NW., Atlanta, GA 
30303.
Federal Reserve Bank of San Francisco, 400 Sansome Street, San 
Francisco, CA 94120.

    (b) Response to complaints. Within 15 business days of receipt of a 
written complaint by the Board or a Federal Reserve Bank, a substantive 
response or an acknowledgment setting a reasonable time for a 
substantive response will be sent to the individual making the 
complaint.
    (c) Referrals to other agencies. Complaints received by the Board or 
a Federal Reserve Bank regarding an act or practice of an institution 
other than a State member bank will be forwarded to the Federal agency 
having jurisdiction over that institution.

[Reg. AA, 41 FR 44362, Oct. 8, 1976, as amended at 42 FR 2950, Jan. 14, 
1977]