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Borrower rights and how to file a complaint

(en Español)

As an FCS borrower, you have the following rights:

Please note that these rights do not extend to agricultural cooperatives that borrow from an FCS institution.

For additional information, please see Frequently asked questions about borrower rights.

What to do if you believe your rights have been denied or violated

If you believe your rights have been denied or violated, you should inform the institution and make a good faith effort to resolve the problem. You may also submit a complaint to FCA by sending us the following information:

Send your correspondence to this address:

Director
Office of Congressional and Public Affairs
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090

As the regulator of the Farm Credit System, we have the authority to enforce borrower rights. However, please keep in mind that FCA does not have the authority to interfere in the management or business decisions of an FCS institution unless federal laws or regulations have been violated or unless the decisions affect the safety and soundness of the institution. We do not mediate disputes between borrowers and FCS institutions, and we do not intervene in legal proceedings between borrowers and FCS institutions.

The borrower complaint process is an informal process in which we investigate complaints against FCS institutions regarding noncompliance with the laws and regulations over which we have enforcement authority. These investigations are not designed to provide financial restitution to borrowers or to be an administrative adjudication of the dispute between the borrower and the institution.

If, in the course of these investigations, we identify any violations of law or regulation, these findings are handled under our examination and enforcement authorities, which include the authority to issue borrower rights directives.

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Page updated: July 31, 2020