STATE BANKING GUIDE

Know who regulates banking in your state.

National banks apply the same policies everywhere. Your state banking regulator and local credit unions are where you have the most leverage. Here is the complete guide.

Updated quarterly. Regulator contact information sourced from official state government websites.

51 states

Alabama

AL · Southeast
CAUTION
State regulatorAL Banking Department
Complaint portalbanking.alabama.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Alaska

AK · West
MIXED
State regulatorAK Division of Banking and Securities
Complaint portalcommerce.alaska.gov/web/dbs
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Arizona

AZ · Southwest
MIXED
State regulatorAZ Department of Financial Institutions
Complaint portaldifi.az.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Arkansas

AR · Southeast
CAUTION
State regulatorAR State Bank Department
Complaint portalbanking.arkansas.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

California

CA · West
MIXED
State regulatorCA Department of Financial Protection and Innovation
Complaint portaldfpi.ca.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawPartial

State has active consumer protection laws. DFPI handles state bank complaints.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Colorado

CO · West
MIXED
State regulatorCO Division of Banking
Complaint portaldora.colorado.gov/division-banking
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Connecticut

CT · Northeast
MIXED
State regulatorCT Department of Banking
Complaint portalportal.ct.gov/dob
Credit union findermycreditunion.gov/profiles/search
State fair banking lawPartial

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Delaware

DE · Northeast
MIXED
State regulatorDE Office of the State Bank Commissioner
Complaint portalbanking.delaware.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

District of Columbia

DC · Northeast
MIXED
State regulatorDC Department of Insurance, Securities and Banking
Complaint portaldisb.dc.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawPartial

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Florida

FL · Southeast
MIXED
State regulatorFL Office of Financial Regulation
Complaint portalflofr.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Mixed environment following 2024 age verification law changes.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Georgia

GA · Southeast
CAUTION
State regulatorGA Department of Banking and Finance
Complaint portaldbf.georgia.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Restrictive environment. Credit unions are the primary recommendation.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Hawaii

HI · West
MIXED
State regulatorHI Division of Financial Institutions
Complaint portalcca.hawaii.gov/dfi
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Idaho

ID · West
MIXED
State regulatorID Department of Finance
Complaint portalfinance.idaho.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Illinois

IL · Midwest
MIXED
State regulatorIL Department of Financial and Professional Regulation
Complaint portalidfpr.illinois.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Chicago market has alternatives. File state complaints here.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Indiana

IN · Midwest
MIXED
State regulatorIN Department of Financial Institutions
Complaint portalin.gov/dfi
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Iowa

IA · Midwest
MIXED
State regulatorIowa Division of Banking
Complaint portalidob.iowa.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Kansas

KS · Midwest
MIXED
State regulatorKS Office of the State Bank Commissioner
Complaint portalosbc.ks.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Kentucky

KY · Southeast
MIXED
State regulatorKY Department of Financial Institutions
Complaint portalkfi.ky.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Louisiana

LA · Southeast
CAUTION
State regulatorLA Office of Financial Institutions
Complaint portalofi.la.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Conservative environment. New Orleans market slightly more accommodating.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Maine

ME · Northeast
MIXED
State regulatorME Bureau of Financial Institutions
Complaint portalmaine.gov/pfr/financialinstitutions
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Maryland

MD · Northeast
MIXED
State regulatorMD Office of Financial Regulation
Complaint portaldllr.maryland.gov/finance
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Massachusetts

MA · Northeast
MIXED
State regulatorMA Division of Banks
Complaint portalmass.gov/orgs/division-of-banks
Credit union findermycreditunion.gov/profiles/search
State fair banking lawPartial

Dancers are legally employees here. Banking environment is mixed.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Michigan

MI · Midwest
MIXED
State regulatorMI Department of Insurance and Financial Services
Complaint portalmichigan.gov/difs
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Minnesota

MN · Midwest
MIXED
State regulatorMN Department of Commerce
Complaint portalmn.gov/commerce
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Mississippi

MS · Southeast
CAUTION
State regulatorMS Department of Banking and Consumer Finance
Complaint portaldbcf.ms.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Missouri

MO · Midwest
MIXED
State regulatorMO Division of Finance
Complaint portalfinance.mo.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Montana

MT · West
MIXED
State regulatorMT Division of Banking and Financial Institutions
Complaint portalbanking.mt.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Nebraska

NE · Midwest
MIXED
State regulatorNE Department of Banking and Finance
Complaint portalndbf.nebraska.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Nevada

NV · West
CREATOR-FRIENDLY
State regulatorNevada Financial Institutions Division
Complaint portalfid.nv.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Strong adult industry presence. Most accommodating major market.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

New Hampshire

NH · Northeast
MIXED
State regulatorNH Banking Department
Complaint portalbanking.nh.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

New Jersey

NJ · Northeast
MIXED
State regulatorNJ Department of Banking and Insurance
Complaint portalstate.nj.us/dobi
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

New Mexico

NM · Southwest
MIXED
State regulatorNM Financial Institutions Division
Complaint portalrld.nm.gov/financial-institutions
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

New York

NY · Northeast
MIXED
State regulatorNY Department of Financial Services
Complaint portaldfs.ny.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawPartial

DFS has been active on fair banking. File complaints here for state-chartered banks.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

North Carolina

NC · Southeast
MIXED
State regulatorNC Commissioner of Banks
Complaint portalnccob.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

North Dakota

ND · Midwest
MIXED
State regulatorND Department of Financial Institutions
Complaint portalnd.gov/dfi
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Ohio

OH · Midwest
MIXED
State regulatorOH Department of Commerce, Division of Financial Institutions
Complaint portalcom.ohio.gov/divisions/financial-institutions
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Oklahoma

OK · Southwest
MIXED
State regulatorOK State Banking Department
Complaint portalbanking.ok.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Oregon

OR · West
MIXED
State regulatorOR Division of Financial Regulation
Complaint portaldfr.oregon.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Pennsylvania

PA · Northeast
MIXED
State regulatorPA Department of Banking and Securities
Complaint portaldobs.pa.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Mixed. 2025 wage theft ruling shows legal enforcement is active.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Rhode Island

RI · Northeast
MIXED
State regulatorRI Division of Banking
Complaint portaldbr.ri.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

South Carolina

SC · Southeast
MIXED
State regulatorSC Board of Financial Institutions
Complaint portalscbfi.sc.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

South Dakota

SD · Midwest
MIXED
State regulatorSD Division of Banking
Complaint portaldlr.sd.gov/banking
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Tennessee

TN · Southeast
CAUTION
State regulatorTN Department of Financial Institutions
Complaint portaltn.gov/tdfi
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Texas

TX · Southwest
CAUTION
State regulatorTX Department of Banking
Complaint portaldob.texas.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Conservative banking environment. Credit unions are the primary recommendation.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Utah

UT · West
CAUTION
State regulatorUT Department of Financial Institutions
Complaint portaldfi.utah.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Vermont

VT · Northeast
MIXED
State regulatorVT Department of Financial Regulation
Complaint portaldfr.vermont.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Virginia

VA · Southeast
MIXED
State regulatorVA Bureau of Financial Institutions
Complaint portalscc.virginia.gov/pages/Bureau-of-Financial-Institutions
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Washington

WA · West
MIXED
State regulatorWA Department of Financial Institutions
Complaint portaldfi.wa.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

Generally more progressive banking environment.

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

West Virginia

WV · Southeast
CAUTION
State regulatorWV Division of Financial Institutions
Complaint portalwvdfi.gov
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Wisconsin

WI · Midwest
MIXED
State regulatorWI Department of Financial Institutions
Complaint portalwdfi.org
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

Wyoming

WY · West
MIXED
State regulatorWY Division of Banking
Complaint portalaudit.wyo.gov/banking
Credit union findermycreditunion.gov/profiles/search
State fair banking lawNo

National banks follow federal rules here. State regulator covers state-chartered banks and credit unions.

How to file a state banking complaint

01

Document the closure

Get it in writing. Request the specific reason. Screenshot everything before access is removed.

02

File federally first

OCC (helpwithmybank.gov) for national banks. CFPB (consumerfinance.gov/complaint) for all institutions.

03

File with your state regulator

Use the contact above for your state. State complaints cover state-chartered banks and credit unions that federal agencies don't cover.

04

Keep records of everything

Date filed, confirmation numbers, all correspondence. This is your documentation if the complaint leads anywhere.

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Legal Disclaimer: Siren System provides legal information, not legal advice. No attorney-client relationship is created by using this site or purchasing a guide. Laws vary by jurisdiction and change frequently. Nothing on this site or in any guide constitutes legal, tax, or financial advice. Tax content is general information only \u2014 consult a CPA or enrolled agent for advice specific to your situation. Consult a licensed attorney for legal advice specific to your situation.