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A borrower in Alabama wants to file a complaint against a mortgage loan officer. Where should the complaint be directed?

Uniform State Test (UST) · 11% of the SAFE exammedium

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Correct answer: The Alabama State Banking Department, Consumer Lending Division, which accepts complaints by mail with a formal complaint form

Mortgage complaints in Alabama are handled by the Alabama State Banking Department, Consumer Lending Division (P.O. Box 4600, Montgomery, AL 36103-4600, phone 334-242-3452). Consumers must complete a formal downloadable complaint form and submit it with supporting documentation by mail. While the CFPB also accepts federal complaints, the STATE regulator for Alabama-licensed MLOs is the Banking Department. The Attorney General handles general consumer fraud but is not the primary mortgage regulator.

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