12 Federal Data Sources
Every data point traces to a federal source.
ComplaintRate scores 4,977 US financial institutions using data from 12 federal agencies. No proprietary scoring black boxes. No surveys or self-reported data. Every metric is derived from the public record — and every data point links back to the agency that produced it.
The chain of custody principle. Every institution rating on ComplaintRate is traceable through three steps: (1) the federal agency that collected the data, (2) the ComplaintRate methodology that normalised and processed it, and (3) the specific database column that stores it. No rating is ever based on inference, opinion, or proprietary judgement.
CFPB
Consumer Financial Protection Bureau
Primary complaint data source. 14M+ complaints 2011–2026.
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OCC
Office of the Comptroller of the Currency
National bank enforcement. Consent orders and civil money penalties.
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Federal Reserve
Federal Reserve System
Bank holding company enforcement. State member bank supervision.
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FDIC
Federal Deposit Insurance Corporation
Deposit insurance. Bank failure history. Call Report financial data.
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FTC
Federal Trade Commission
Non-bank financial company enforcement. Debt collector actions.
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FFIEC
Federal Financial Institutions Examination Council
HMDA mortgage denial rates. Racial disparity data for 217 institutions.
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DOJ
Department of Justice — Civil Rights Division
Fair lending enforcement. Redlining and racial discrimination cases.
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FinCEN
Financial Crimes Enforcement Network
AML and Bank Secrecy Act penalty tracking.
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FHFA
Federal Housing Finance Agency
GSE suspended counterparty list. Fannie/Freddie seller/servicer sanctions.
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HUD
Dept. of Housing and Urban Development — Mortgagee Review Board
FHA lender sanctions. Government-backed mortgage programme enforcement.
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NCUA
National Credit Union Administration
Credit union enforcement actions. Share deposit insurance.
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Treasury
U.S. Department of the Treasury — TARP & OFAC
TARP bailout recipients. OFAC sanctions penalties.
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How we use this data
Normalisation methodology, confidence tier thresholds, entity resolution process
ComplaintRate.com is an independent data publisher and is not affiliated with, endorsed by, or sponsored by any U.S. federal agency. All data sourced from publicly available government databases.