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Consumer Assistance - Financial Literacy

 

Banking Industry and Regulation


Federal Deposit Insurance Corporation (FDIC): http://www.fdic.gov/consumers

  • The FDIC is an independent agency created by Congress to maintain stability and public confidence in the nation's financial systems by insuring deposits, examining and supervising financial institutions for safety and soundness and consumer protection, and managing receiverships.
    This website contains resources provided by the FDIC to educate and protect consumers, revitalize communities, and promote compliance with the Community Reinvestment Act and fair lending laws.

Office of the Comptroller of the Currency (OCC): http://www.helpwithmybank.gov

  • The OCC charters, regulates, and supervises all national banks and federal savings associations. It also supervises the Federal branches and agencies of foreign banks.
    This website contains information designed to help consumers find answers to their national banking questions.

Federal Reserve Board: http://www.federalreserve.gov

  • The Federal Reserve's duties fall into four general areas:
  • conducting the nation's monetary policy by influencing the monetary and credit conditions in the economy in pursuit of maximum employment, stable prices, and moderate long-term interest rates
  • supervising and regulating member banking institutions to ensure the safety and soundness of the nation's banking and financial system and to protect the credit rights of the consumers
  • maintaining the stability of the financial system and containing systemic risk that may arise in financial markets
  • providing financial services to depository institutions, the United States government, and foreign official institutions, including playing a major role in operating the nation's payments system
  • This website contains various resources provided by the Federal Reserve to educate consumers about the role of the Federal Reserve and provides tools designed to help consumers deal with their financial needs.
  • The ABA represents banks of all sizes and charters and is the voice for the nation's $13 trillion banking industry and its 2 million employees. The ABA's finance resources and programs are offered to help consumers better understand their financial choices and responsibilities.

Bank of North Dakota (BND): http://banknd.nd.gov

  • As the only state-owned bank in the nation, BND acts as a funding resource in partnership with other financial institutions, economic development groups, and guaranty agencies. BND has four established business areas: student loans, lending services, treasury services, and banking services.

Independent Community Bank of North Dakota (ICBND): http://www.icbnd.com

  • The ICBND is a statewide association that represents the independent community banks in North Dakota. Their mission is to "enable the independent member banks to profitably and competitively provide quality financial services to the communities and citizens of North Dakota."

North Dakota Bankers Association (NDBA): http://www.ndba.com

  • NDBA is the professional trade association organized to effectively represent the common interest and welfare of banks in North Dakota and to promote the professional development of its members.
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