{"data":{"id":"us/12-cfr-appendix-i-to-part-226","jurisdiction":"us","citation":"12 CFR Appendix I to Part 226","heading":"Appendix I to Part 226—Federal Enforcement Agencies","body":"The following list indicates which federal agency enforces Regulation Z for particular classes of businesses. Any questions concerning compliance by a particular business should be directed to the appropriate enforcement agency. Terms that are not defined in the Federal Deposit Insurance Act (12 U.S.C. 1813(s)) shall have the meaning given to them in the International Banking Act of 1978 (12 U.S.C. 3101).\nNational banks and federal branches and federal agencies of foreign banks\nDistrict office of the Office of the Comptroller of the Currency for the district in which the institution is located.\nState member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and insured state branches of foreign banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act\nFederal Reserve Bank serving the district in which the institution is located.\nNon-member insured banks and insured state branches of foreign banks\nFederal Deposit Insurance Corporation Regional director for the region in which the institution is located.\nSavings institutions insured under the Savings Association Insurance Fund of the FDIC and federally chartered savings banks insured under the Bank Insurance Fund of the FDIC (but not including state-chartered savings banks insured under the Bank Insurance Fund).\nOffice of Thrift Supervision Regional Director for the region in which the institution is located.\nFederal Credit Unions\nRegional office of the National Credit Union Administration serving the area in which the Federal credit union is located.\nAir Carriers\nAssistant General Counsel for Aviation Enforcement and Proceedings, Department of Transportation, 400 Seventh Street, SW., Washington, DC 20590.\nCreditors Subject to Packers and Stockyards Act\nNearest Packers and Stockyards Administration area supervisor.\nFederal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks and Production Credit Associations.\nFarm Credit Administration, 490 L'Enfant Plaza, SW., Washington, DC 20578.\nRetail, Department Stores, Consumer Finance Companies, All Other Creditors, and All Nonbank Credit Card Issuers (Creditors operating on a local or regional basis should use the address of the FTC Regional Office in which they operate.)\nDivision of Credit Practices, Bureau of Consumer Protection, Federal Trade Commission, Washington, DC 20580.","path":["Title 12—Banks and Banking","CHAPTER II—FEDERAL RESERVE SYSTEM","SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM","PART 226—TRUTH IN LENDING (REGULATION Z)"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"df0af20c9110622fdb47dde600c5619123b716fd12d8b2ebbfc6de8a8f8dae46","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-appendix-h-to-part-226","next":"us/12-cfr-appendix-j-to-part-226"},"notice":"GroundRules: Original legal text. Not legal advice."}