Office of the Commissioner of Financial Regulation
 

I have an inquiry or complaint about my mortgage lender, originator or servicer...
 

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."

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. Please check the following list of names as we DO NOT regulate these entities. Please follow the link to the primary regulator for that company/institution so that you may ask a question or file your complaint. (Note: There is also a link to the entity's website if you click on the company's name.)

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" 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 

 
Company Name Subsidiary/Affiliate/Parent Home State Primary Regulator
America's Servicing Company Subsidiary of Wells Fargo IA Office of the Comptroller of the Currency (OCC)
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, N.A. National Bank VA Office of the Comptroller of the Currency (OCC)
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)
Chevy Chase Bank, FSB Federal Savings Bank VA Office of the Comptroller of the Currency (OCC)>
Citibank, N.A. National Bank NV Office of the Comptroller of the Currency (OCC)
Countrywide Home Loans acquired by Bank of America, N.A. NC Office of the Comptroller of the Currency (OCC)
IndyMac Federal Bank, FSB Federal Savings Bank CA In receivership: see FDIC website for information
Greenpoint Mortgage Funding, Inc. Subsidiary of Capital One CA 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)
Midland Mortgage Company Subsidiary of MidFirst Bank OK Office of the Comptroller of the Currency (OCC)
RBC Bank (USA) f/k/a RBC Centura Out-of-State Bank NC State of North Carolina
Regions Bank Out-of-State Bank AL State of Alabama
Wachovia Bank, N.A. acquired by Wells Fargo and Company NC Office of the Comptroller of the Currency (OCC)
Washington Mutual Bank (WAMU) acquired by JPMorgan Chase & Co. NV/UT Office of the Comptroller of the Currency (OCC)
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)
 
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Questions or comments regarding the Commissioner of Financial Regulation may be directed to finreg@dllr.state.md.us.
Questions or comments regarding the DLLR website may be directed to webmaster@dllr.state.md.us.

Updated January 4, 2012