Where to Complain About Mortgage Fraud

They have to know, or they can't help. Complain to officials at one or all of the sites listed below. Most government agencies are complaint driven. You must fill out an official complaint if you want action.

How to get attention to your complaint

If you are going to complain we suggest following these simple rules:

  1. Have a five (5) word explanation of your problem ready. Write it down.
  2. Follow with this wording: This is an X type of fraud case involving $x.
  3. This case involves X number of bad people.
  4. If you're making a phone call complaint, right here ask the person: Can we talk now or would another time be better?
  5. Write a four (4) paragraph summary of the problem. Keep it short, sell your problem, don't describe everything. If they want more.... they will ask.
  6. I have X as proof of the fraud.

(Per Dave Mclaughlin, Georgia's Prosecutor - fraud division)
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A simple way for professionals to complain to their state.

Pressure report log

For years, a notable appraisal company has used a lender request log to report suspicious activity to the state agency that oversees mortgage brokers and real estate agents. This has resulted in numerous investigations and prosecutions. If every appraiser and mortgage broker used this log, the mortgage pressure problem would stop.
How to use: Every time you have an illegal or unethical request, fill out the log. Once every 3 months, fax the log to appropriate state agencies. If multiple individuals complain, and the same person or company is on logs supplied by diverse people, the state usually launches an investigation. Perfect way to help your state identify problems.


Download, a free copy of our Lender Pressure Request Log.
Choose your preferred format: [PDF] [MS Excel]


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National Government Resources

  • Board of Governors of the Federal Reserve System - Complaint Section
  • Center for Responsible Lending
  • Department of Housing and Urban Development (HUD)
  • Federal Deposit Insurance Corporation (FDIC)
  • Federal Housing Finance Board
  • Federal Reserve Board
  • Federal Trade Commission
  • National Credit Union Administration
  • National Fraud Information Center
  • Office of Federal Housing Enterprise Oversight (OFHEO)
  • Office of the Comptroller of the Currency (OCC)
  • Office of Thrift Supervision (OTS)


    State Government Resources

    Alabama
    Alaska
    Arizona
    • Arkansas
    California
    Colorado
    Connecticut
    District of Columbia
    Delaware
    Florida
    Georgia
    Guam
    Hawaii
    Idaho
    Illinois
    Indiana
    Iowa
    Kansas
    Kentucky
    Louisiana
    Maine
    Maryland
    Massachusetts
    Michigan
    Minnesota
    Mississippi
    Missouri
    Montana
    Nebraska
    Nevada
    New Hampshire
    New Jersey
    New Mexico
    New York
    North Carolina
    North Dakota
    Ohio
    Oklahoma
    Oregon
    Pennsylvania
    Puerto Rico
    Rhode Island
    South Carolina
    South Dakota
    Tennessee
    Texas
    Utah
    Vermont
    Virgin Islands
    Virginia
    Washington
    West Virginia
    Wisconsin Department of Financial Institutions
    Wyoming 
     

    Private and Semi-Private Organizations