Provides assistance and education to protect consumers from financial fraud, and offers help with filing complaints. Regulates state-chartered banks, credit unions, and lenders, and can answer related questions and concerns. Provides information about mortgage assistance programs, approved reverse mortgage counselors, and foreclosure filing. Also enables consumers to check to see if their lender is licensed. Banking Division does NOT distribute funds to distressed mortgage holders. Complaints about national banks should be directed to the Federal Office of the Comptroller of the Currency (OCC). Federal credit union complaints should be directed to National Credit Union Administration (NCUA).

Receives and addresses consumer complaints regarding national banks and federal savings associations for individuals who have been unable to resolve an issue with the bank directly. Complaint forms may be requested via telephone. Complaints also may be filed by fax or mail. There is a time limit of 30 minutes to complete the online complaint form. Otherwise, information may be lost. Gather information and materials before filing. Send mailed complaints to: Comptroller of the Currency, Customer Assistance Group, P. O. Box 53570, Houston, Texas 77052. Complaints regarding STATE-chartered banks must be directed to the Vermont Department of Financial Regulation, Banking Division.

Receives and addresses consumer complaints regarding financial institutions' services and products, including mortgages, student loans, payday loans, auto loans and leases; as well as complaints about credit reporting agencies; credit card companies; debt collectors; and a variety of other consumer financial products. Individuals may also browse an online database of past consumer complaints. The Consumer Financial Protection Bureau (CFPB) will forward a complaint to the company in question, and work to get a response. Most companies respond to the consumer and the CFPB within 15 Days after a complaint is filed; more complex cases may take up to 60 days.