If you didn't find your bank using the search tool, you should contact your bank to find out who the regulator is. It may be an operating subsidiary of a national bank or federal savings association.
Note: The Office of the Comptroller of the Currency (OCC) no longer posts the operating subsidiaries list on its websites. You may be able to find information about operating subsidiaries by searching the FDIC BankFind application.
The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.
What Agencies Oversee U.S. Financial Institutions?
Who Regulates Banks?
Banks in the United States are regulated on either the federal or state level, depending on how they are chartered. Some are regulated by both. The federal regulators are:
The Office of the Comptroller of the Currency (OCC) The Federal Reserve System The FDIC
Here is a look at each of those agencies and their responsibilities:
Office of the Comptroller of the Currency
The Office of the Comptroller of the Currency (OCC) is among the oldest of all the federal regulatory agencies, established in 1863 by the National Currency Act. Part of the Treasury Department, it regulates national banks, federal savings associations, and the operating subsidiaries of national banks and federal savings associations.1
Federal Reserve System
Probably the best-known of all the banking regulatory agencies in the U.S. is the Federal Reserve System, commonly referred to as the Fed. Its regulatory authority extends to certain state-chartered banks, bank and financial holding companies, foreign banking organizations, and some nonbank financial institutions.2 Because it has authority over bank holding companies, it is responsible for regulating many of the nation’s largest banks.3
Nationally chartered banks must be members of the Fed, although they are supervised by the OCC.
The Fed is the central bank of the United States, responsible for regulating the financial system and managing monetary policy. Its primary monetary policy tool is open market operations that control the buying and selling of U.S. Treasury and federal agency securities. Such purchases and sales determine the federal funds rate and, in turn, affect interest rates throughout the economy.
我有张现金卡被盗用了300， 现在银行知道盗刷使用的公司，让我和公司联系退钱。 公司说让银行停止转钱。银行说没办法停止，如果不是公司退钱。 变成死循环了。 我想看看银行上级机构能不能处理下这种问题。
我以前信用卡被室友盗窃，银行不管。我花了几个月的时间才找到美联储分行才解决了问题。银行现金卡（debit card?）以及信用卡丢失银行都应该赔偿的。我的信用卡协议上就有这一条。这只是我的经验。不知对你可否适用。
Search financial institutions
If you didn't find your bank using the search tool, you should contact your bank to find out who the regulator is. It may be an operating subsidiary of a national bank or federal savings association.
Note: The Office of the Comptroller of the Currency (OCC) no longer posts the operating subsidiaries list on its websites. You may be able to find information about operating subsidiaries by searching the FDIC BankFind application.
The OCC charters, regulates, and supervises all national banks and federal savings associations as well as federal branches and agencies of foreign banks. The OCC is an independent bureau of the U.S. Department of the Treasury.
What Agencies Oversee U.S. Financial Institutions?
Who Regulates Banks?Banks in the United States are regulated on either the federal or state level, depending on how they are chartered. Some are regulated by both. The federal regulators are:
The Office of the Comptroller of the Currency (OCC) The Federal Reserve System The FDICHere is a look at each of those agencies and their responsibilities:
Office of the Comptroller of the CurrencyThe Office of the Comptroller of the Currency (OCC) is among the oldest of all the federal regulatory agencies, established in 1863 by the National Currency Act. Part of the Treasury Department, it regulates national banks, federal savings associations, and the operating subsidiaries of national banks and federal savings associations.1
Federal Reserve SystemProbably the best-known of all the banking regulatory agencies in the U.S. is the Federal Reserve System, commonly referred to as the Fed. Its regulatory authority extends to certain state-chartered banks, bank and financial holding companies, foreign banking organizations, and some nonbank financial institutions.2 Because it has authority over bank holding companies, it is responsible for regulating many of the nation’s largest banks.3
Nationally chartered banks must be members of the Fed, although they are supervised by the OCC.
The Fed is the central bank of the United States, responsible for regulating the financial system and managing monetary policy. Its primary monetary policy tool is open market operations that control the buying and selling of U.S. Treasury and federal agency securities. Such purchases and sales determine the federal funds rate and, in turn, affect interest rates throughout the economy.
Federal Deposit Insurance Corp.The Federal Deposit Insurance Corp. (FDIC) is a U.S. government corporation created by the Emergency Banking Act of 1933 in the wake of the widespread bank failures during the Great Depression. It provides deposit insurance that guarantees depositor accounts up to certain limits at its member banks.4
The FDIC also supervises state-chartered banks that are not members of the Fed.2
我是没理解。 lululemon, 收了钱，发了货，对方说收到货，不就交易成功了吗？ 我都不知道盗用的人在哪个州买的东西。 只知道在美国。 lululemon 没有盗用者信息给我。 我没有任何order信息。 就是死循环了。
银行已经说的很清楚了，你的transaction 刚刚发生，可能还是pending 状态，银行做不了什么，所以要求你找商家让商家reverse 这个transaction，如果商家不肯或者不能，你就等几天，transaction post 之后再file dispute就可以了，现金卡和信用卡都是这个过程，只要是fraudulent charge 都可以拿回来的。不要紧张的什么似的银行不给你立刻解决就找人领导。
光了。礼品卡和debit好像还不一样。 大面积是追不回来了。 虽然我还有卡和购买发票在手。
孩子在网络上卖东西，太着急卖出东西出去，网友说要搭售个卡急用，孩子就照做了。催的非常急，就下午两个小时的事情，孩子太怕失去生意了，太急于证明自己能卖掉。卡信息给了以后，发现网友给孩子是假信息。 孩子非常懊恼。不过好在在家里出的事，我还能帮着想想办法。孩子早接受教训也总比晚点好。
Opportunity to blame himself. That will be a lesson learned.
以后如果同样的事情，反映的人多了，那么未来也许会改变一些规则。也许未来有更好的处理办法。