Protecting and educating Kansas consumers is an important part of the work we do every day at the Office of the State Bank Commissioner (OSBC). We offer personal assistance to help navigate your individual situation with an OSBC-regulated financial institution through our consumer assistance process, information and education on our website, and OSBC grant sponsored programs throughout the state.
Consumer Assistance Process
If you have a complaint or need assistance regarding a financial institution or transaction, you can submit a Consumer Assistance Form to our agency. Our Consumer Affairs department will review the form and supporting documentation and open a case. If the company is within our regulatory authority, we will begin our investigation, if not we will refer it to the proper authority. You will receive a letter informing you of the status. The consumer assistance form and documentation you submit may be provided to the company for review. We are unable to determine up front how long it will take to investigate, but when our review is complete, we will advise you of the findings.
The Kansas Office of the State Bank Commissioner cannot act as your attorney or provide you with any legal advice. If you choose to pursue a lawsuit against a company, you will need to hire your own attorney. Your own attorney can investigate and may be able to take action on your behalf even if this office is unable to assist. Please remember the law may limit the time for legal action, and the cost of any private attorney would be your responsibility.
Most cases are resolved by a written company explanation providing increased communication, essential transaction details, or other non-monetary assistance. However, our consumer affairs process has returned an average of $47,795 per year to consumers over the last five years through refunds and savings.
You will find the following educational features on our website:
- Frequently Asked Questions
- Educational Resources
- Additional contacts for consumer assistance
- Links to OSBC Sponsored Consumer Education Programs
Consumer Education Grant Program
Each year, grant funds are awarded to organizations that provide financial literacy (money management skills) to Kansas consumers. Qualifying applicants must submit an application to be considered. The grant process is competitive, and recipients must provide measurable results. Consumer education funds come from fines and settlements with companies within the regulatory jurisdiction of the Consumer and Mortgage Lending Division of the OSBC; therefore, available grant funds can fluctuate from year to year. No taxpayer monies are used for these grants.
Over the last 5 years the OSBC has reached over 100,000 consumers
using Consumer Education Grant funds to sponsor local programs.
Who We Regulate
- Residential Mortgage Lenders and Brokers
- Loan Originators
- Kansas State Chartered Banks
- Kansas State Chartered Trust Companies
- Finance Companies
- Payday Lenders
- Title Loan Companies
- Debt Buyers
- Auto Dealers Who Extend Credit
- Consumer Credit Sales
- Credit Counseling Companies
- Debt Management Companies
- Money Transmitters