All creditors are subject to the Equal Credit Opportunity

Act (ECOA) and Regulation B (issued by the Federal Reserve

Board), which contains specific rules governing credit

transactions. The following is a list of the federal agencies

that enforce the ECOA and Regulation B for particular classes of

financial institutions. Any questions concerning a particular

financial institution should be directed to its enforcement

agency.

State Member Banks of the Federal Reserve System

Division of Consumer and Community Affairs

Board of Governors of the Federal Reserve System

20th & Constitution Avenue, NW

Washington, D.C. 20551

(202) 452-3946

Non-Member Federally Insured Banks

Office of Consumer Affairs

Federal Deposit Insurance Corporation

550 Seventeenth Street, NW

Washington, D.C. 20429

(800) 424-5488

(202) 898-3536

National Banks

Compliance Management

Office of the Comptroller of the Currency

250 E Street, SW

Washington, D.C. 20219

(202) 874-4428

Federal Savings Association

Consumer Programs Division

Office of Thrift Supervision

1700 G Street, NW, Fifth Floor

Washington, D.C. 20552

(202) 906-6237

Small Business Investment Companies

U.S. Small Business Administration

409 Third Street, SW

Washington, D.C. 20416

(202) 205-6751

Federal Credit Unions

Office of Consumer Programs

National Credit Union Administration

1776 G Street, NW

Washington, D.C. 20456

(202) 682-9640

Finance Companies and Other Creditors Not Listed Above

Division of Credit Practices

Bureau of Consumer Protection

Federal Trade Commission

Washington, D.C. 20580

(202) 326-3224

Alternative Sources of Capital

The U.S. Small Business Administration (SBA), the federal

agency created specifically to assist and counsel small

businesses, suggests the following sources of capital in

addition to banks:

Friends, Relatives, Individuals

Savings and Loan Associations Insurance Companies

Finance Companies

Mortgage Companies

Small Business Investment Companies

Venture Capital Firms

State Government Financing Sources

Pension Funds

Government Agencies (such as SBA)

Private Foundations