FDIC Address Changes for Adverse Action Notices


When an applicant is required to be given an adverse action notice under Regulation B, the notice must contain the name and address of the federal agency that administers compliance with the Equal Credit Opportunity Act for that lender. For state chartered nonmember insured banks, that agency is the FDIC. Effective July 1, 2011, the address for contacting the FDIC that must be provided on the adverse action form is:

FDIC Consumer Response Center

1100 Walnut Street

Box # 11

Kansas City, MO 64106

Although the final rule amending Regulation B to implement this change becomes effective July 1, 2011, compliance is optional until May 31, 2012.

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DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.

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