Consumer Financial Protection Bureau
The Dodd-Frank Act established the Consumer Financial Protection Bureau (CFPB) in 2010 to bring the rule-making, supervision and enforcement for Federal consumer financial protection laws under one roof for the first time. Its duties include restricting unfair, deceptive, or abusive acts or practices; taking consumer complaints; promoting financial education; researching consumer behavior; and monitoring financial markets for new risks to consumers.
Acting Director: Russ Vought
Website: www.consumerfinance.gov
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Commodity Futures Trading Commission
Congress created the Commodity Futures Trading Commission (CFTC) in 1974 as an independent agency with the mandate to regulate commodity futures and option markets in the United States. The agency's mandate has been renewed and expanded several times since then, most recently by the Dodd-Frank Act.
Chairman: Michael S. Selig
Website: www.cftc.gov
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Federal Deposit Insurance Corporation
The Federal Deposit Insurance Corporation (FDIC) is an independent agency created by the Congress to maintain stability and public confidence in the nation's financial system by insuring deposits; examining and supervising financial institutions for safety; and soundness and consumer protection, and managing receiverships.
Acting Chairman: Travis Hill
Website: www.fdic.gov
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Federal Housing Finance Agency
The Federal Housing Finance Agency (FHFA) was created on July 30, 2008, when the President signed into law the Housing and Economic Recovery Act of 2008. FHFA's mission is to provide effective supervision, regulation and housing mission oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks to promote their safety and soundness, support housing finance and affordable housing, and support a stable and liquid mortgage market.
Director: William "Bill" Pulte
Website: www.fhfa.gov
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Federal Reserve Board
The Federal Reserve System is the central bank of the United States. It was founded by Congress in 1913 to provide the nation with a safer, more flexible and more stable monetary and financial system. Its duties include conducting the nation's monetary policy; supervising and regulating banking institutions; maintaining the stability of the financial system and containing systemic risk; and providing financial services to depository institutions, the U.S. government, and foreign official institutions.
Chair: Jerome Powell
Website: www.federalreserve.gov
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Federal Trade Commission
The FTC was created in 1914 to prevent unfair methods of competition in commerce as part of the battle to "bust the trusts." Its mission is to prevent business practices that are anticompetitive or deceptive or unfair to consumers; to enhance informed consumer choice and public understanding of the competitive process; and to accomplish this without unduly burdening legitimate business activity.
Chairman: Andrew N. Ferguson
Website: www.ftc.gov
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Financial Stability Oversight Council
As established under the Dodd-Frank Act, the Financial Stability Oversight Council (FSOC) is charged with identifying threats to the financial stability of the United States; promoting market discipline; and responding to emerging risks to the stability of the United States financial system. The Council consists of 10 voting members and 5 nonvoting members and brings together the expertise of federal financial regulators, state regulators, and an insurance expert appointed by the President.
Chairman: Scott Bessent
Website: www.treasury.gov
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Department of Housing and Urban Development
HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes: utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
Director: Scott Turner
Website: www.hud.gov
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National Credit Union Administration
The National Credit Union Administration (NCUA) regulates, charters and supervises federal credit unions. With the backing of the full faith and credit of the U.S. Government, NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF), insuring the deposits of nearly 92 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
Chairman: Kyle S. Hauptman
Website: www.ncua.gov
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Office of the Comptroller of the Currency (Treasury)
The OCC was established in 1863 as an independent bureau of the U.S. Department of the Treasury. The OCC's primary mission is to charter, regulate, and supervise all national banks and federal savings associations, as well as supervise the federal branches and agencies of foreign banks. The OCC's goal is to ensure that they operate in a safe and sound manner and in compliance with laws requiring fair treatment of their customers and fair access to credit and financial products.
Comptroller of the Currency: Thomas Curry
Website: www.occ.treas.gov
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Office of Financial Research (Treasury)
The Dodd-Frank Act established the Office of Financial Research (OFR) within the Treasury Department to improve the quality of financial data available to policymakers and facilitate more robust and sophisticated analysis of the financial system.
Website: www.financialresearch.gov
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Federal Insurance Office
The Federal Insurance Office, which is under the auspices of the Department of the Treasury, is tasked with identifying issues or gaps in the regulation of insurers that could contribute to a systemic crisis in the insurance industry or the United States financial system.
Website: www.treasury.gov
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Securities and Exchange Commission
Congress passed the Securities Act in 1933 and the Securities Exchange Act in 1934, which created the SEC, in order to restore investor confidence in the capital markets by providing investors and the markets with more reliable information and clear rules of honest dealing. The mission of the U.S. Securities and Exchange Commission is to protect investors, maintain fair, orderly and efficient markets, and facilitate capital formation
Chairman: Paul S. Atkins
Website: www.sec.gov
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Office of the Treasury
The Treasury Department is the executive agency responsible for promoting economic prosperity and ensuring the financial security of the United States. The Department is responsible for a wide range of activities such as advising the President on economic and financial issues, encouraging sustainable economic growth, and fostering improved governance in financial institutions.
Secretary: Scott Bessent
Website: www.treasury.gov
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