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Texas Department of Savings and Mortgage Lending

Consumer Complaints

CONSUMER COMPLAINTS AGAINST
MORTGAGE RELATED COMPANIES AND INDIVIDUALS
DOING BUSINESS IN TEXAS

You have the right to file a complaint against Residential Mortgage Loan Originators, Mortgage Companies, Financial Services Companies, Auxiliary Mortgage Loan Activity Companies, and Independent Contractor Loan Processors and Underwriters licensed under Texas Finance Code Chapter 156, Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act;

or

Residential Mortgage Loan Originators and Mortgage Bankers under Texas Finance Code Chapter 157, Mortgage Banker Registration and Residential Mortgage Loan Originator License Act;

or

Residential Mortgage Loan Servicers Under Texas Finance Code Chapter 158, Residential Mortgage Loan Servicer Registration Act;

or

a state savings bank if you feel you have been wronged in any way regarding your financial dealings and or transactions.

To file a complaint, please read and follow the instructions below carefully. If you have any questions or if you need clarification please contact us.

Please note that the Department maintains the  Recovery Fund to assist consumers who have been financially harmed by a licensed individual referenced above. A Recovery Fund claims may be filed against individuals who were properly licensed at the time of the financial harm and who participated in the fund. For more information about the Recovery Fund, please consult subchapter F of the Residential Mortgage Loan Company and Residential Mortgage Loan Originator Licensing and Registration Act “Statutes and Regulations” link found under Statutes and Rules.

Notice in Spanish
Complaint Form and Instructions FORMAT
English Complaint Form and Instructions (ONLINE SUBMISSION) English Complaint Form and Instructions - HTML
English Complaint Form and Instructions (FAX/MAIL SUBMISSION) English Complaint Form and Instructions - PDF
Spanish Complaint Form and Instructions (EMAIL SUBMISSION) Spanish Complaint Form and Instructions - PDF
Spanish Complaint Form and Instructions (FAX/MAIL SUBMISSION) Spanish Complaint Form and Instructions - PDF

Investigation

Texas law requires the Department to receive a person's signed, written complaint before it may investigate the complaint. If you wish to file a complaint, please review the information above about the complaint process and use the complaint form as directed.

Consumer Complaints Contact Information

Below is the contact information of other state and federal governmental organization that may assist you with mortgage loan issues.

Financial Services

Activities Regulator Phone# Site
Federal Consumer Financial Laws Consumer Financial Protection Bureau (855) 411-2372 Consumer Financial Protection Bureau - Website

Banks

Activities/Entities Regulator Phone # Site
Bank or Financial Institution Federal Financial Institutions Examination Council Online Inquiry Federal Financial Institutions Examination Council - HTML
National Banks
Federal Savings Banks
Office of the Comptroller of Currency 214-720-0656
800-613-6743 (Toll-free)
Office of Controller of Currency - HTML
State Commercial Banks Texas Department of Banking 512-475-1300
877-276-5554 (Toll-free)
Texas Department of Banking - HTML
State Savings Banks Texas Department of Savings and Mortgage Lending 512-475-1350
877-276-5550 (Toll-free)
Texas Department of Savings and Mortgage Lending - HTML
Banks that no
longer exist
Federal Deposit Insurance Company (FDIC) – Dallas 800-568-9161 (Toll-free) Federal Deposit Insurance Company (FDIC) – Dallas - HTML

Mortgage Originators

Activities/Entities Regulator Phone # Site
First Lien/Second Lien
Mortgage Companies
and Mortgage Bankers
Texas Department of Savings and Mortgage Lending 512-475-1350
877-276-5550 (Toll-free)
Texas Department of Savings and Mortgage Lending - HTML

Other Related Areas

Activities/Entities Regulator Phone # Site
Housing and
Home Ownership
US Department of Housing and Urban Development 202-708-1112 US Department of Housing and Urban Development - HTML
Real Estate Brokers
and Salespersons,
Real Estate Inspectors,
Timeshare Developers
Texas Real Estate Commission 512-963-3000 Texas Real Estate Commission - HTML
Real Estate Appraisers Texas Appraiser Licensing And Certification Board 512-963-3001 Texas Appraiser Licensing And Certification Board - HTML
Land Surveyors Board of Professional Land Surveying 512-452-9427 Board of Professional Land Surveying - HTML
Manufactured Housing Texas Department of Housing and Community Affairs 512-475-2200 Texas Department of Housing and Community Affairs - HTML

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