Anyone who has problems with lenders is encouraged to file a complaint with the bank’s federal regulator.

Senator Boxer’s website has a page helping to identify the appropriate regulator.

The following sites are also helpful in identifying the regulator:

·         Administrator of National Banks

·         FDIC

·         Some of the lending institutions may be regulated by state departments instead so use this site to find that information.

A clear, sunny day in San Jose. It’s one of those idyllic days where nature’s charms are on full display. As if to illuminate the point, an 80-year-old woman gazes longingly at a thriving garden as she makes her way around it. Pointing to a patch with the aid of her cane, she struggles to hold back tears, muttering “I've nurtured every inch of that garden for the past 25 years. Tell me – how could I leave my flowers, my plants, my herbs?”

Mrs. X is facing the imminent prospect of having to say goodbye to her well-tended garden, her home, and the life she has built around it for the past 25 years.

Her “Home Sweet Home” would then be replacedwith a “Bank Owned” property sign. Like millions of Americans wading through the financial crisis - and the messy policies to deal with it – Mrs. X may see her home foreclosure.