FHFA has no regulatory authority over banks (other than the 11 Federal Home Loan Banks), mortgage lenders, or servicers.
The term “lender” refers to an institution, such as a bank or other financial company, that issues a mortgage loan to a borrower. A lender may also be a servicer for the mortgage loan, but the servicing may be provided by a different institution.
The term “servicer” refers to an institution that provides servicing responsibilities for a mortgage loan such as collecting interest, principal, and escrow payments from a borrower.
If your issue involves any of these entities that FHFA does not regulate, please contact one or more of the regulatory federal agencies listed below:
- The Consumer Financial Protection Bureau
- The Office of the Comptroller of the Currency
- The Federal Trade Commission
page last updated: October 18, 2023