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| Alaska - State Banking Department |
Purpose
The Division of Banking, Securities and Corporations which is under the states Department of Community and Economic Development, charters, licenses, and supervises state-chartered commercial banks , mutual savings banks, credit unions , trust companies, bank holding companies, small loan offices and premium finance offices.
Use the attached link to access the Alaska state banking department’s website.
http://www.dced.state.ak.us/bsc/banking.htm
Location and Contacts
Administrative Offices
Please Note: The U.S. Post Office will not deliver mail to the 150 3rd Street, Suite 217 address in Juneau, Alaska. You must use the P.O. Box appropriate for the section you are corresponding with in Juneau.
Express deliveries, such as those made by UPS, DHL, FED EXPRESS, and others will be accepted at the 150 3rd Street, Suite 217 address in Juneau, Alaska 99801.
The Banking Section, Securities Section, and Corporations Sections offices in Anchorage, Alaska do not utilize a post office box and you are asked to use the 550 West Seventh Avenue Suite 1940 Anchorage, AK 99501 address for correspondence and express shipments to these offices.
Juneau Mailing Address
P.O. Box 110807
Juneau, AK 99811-0807
907-465-2521 phone
907-465-1231 fax
Physical Address
150 Third Street, Suite 217
Juneau, AK 99801
Phone; 907-465-5437 tty/tdd "For Hearing Impaired"
Anchorage Mailing Address
550 West Seventh Avenue
Suite 1940
Anchorage, AK 99501
Phone; 907-269-8140
Fax; 907-269-8146
Complaints
There are many different places to lodge a complaint and it really depends on what financial institution you have a complaint against. The state and national chartered banks have different filing processes and there are also different processes for credit unions and security and investment institutions. Use the attached link which will help you identify the correct process to file a complaint.
http://www.dced.state.ak.us/bsc/complaints.htm
Mortgage Brokers
The state of Alaska does not regulate mortgage lending or mortgage brokering, regardless of lien position. Therefore, there is no application process or specific license to be issued to conduct these types of activities.
The legal rate of interest for the state of Alaska is found in Title 45, Chapter 45, Section 010 of the Alaska Statutes. This section of law also discusses allowable prepayment penalties on one to four family dwellings. All statutes and administrative code may be accessed at:
http://www.legis.state.ak.us/folhome.htm.
Regulations, Policies and Laws
The following link will take you to the Alaska Statutes and Regulations that are in effect and that the division regulates.
http://www.legis.state.ak.us/folhome.htm.
Banking - Directories
Banking departments generally have directories or listings of the financial institutions of which they supervise. Use the link attached to access the Banking Department’s listing for Alaska.
http://www.dced.state.ak.us/bsc/banking.htm.
Identity Theft
When it comes to identity theft, the old adage applies, an ounce of prevention is worth a pound of cure. The following are useful tips and information for consumers to avoid identity theft:
- Be careful about giving out your personal information. Don’t give out any personal information over the phone unless you initiate the call;
- Pay attention to your billing cycles. If you don’t get your bills in the mail, be suspicious;
- Be cautious about where you leave your information. Think of your bills as cash, don’t leave them lying around;
- Guard your mail from theft. Be vigilant about checking your mail promptly after it has been delivered. Don’t let it pile up while you are away;
- Watch what you throw away. What may be garbage to you can be stolen treasure to an identity thief;
- Travel light. Don’t carry more checks or credit cards than you need. That will minimize the damage if your wallet is lost or stolen; and
- Check your credit report on a regular basis. Order a copy of your credit report from the three major credit reporting agencies at least once a year and make sure that the information they have is correct.
- The agencies are:
- Experian 1-800-397-3742
- Equifax 1-800-525-6285
- Trans Union 1-800-680-7289
If a consumer is a victim of Identity theft, he/she should:
- Contact creditors by phone and by certified mail
- Stop payment on checks and close bank accounts
- Contact the Department of Motor Vehicles and your local postal inspector
- File a report with your local police department and
- Call the FTC’s fraud hotline at 1-877-IDTHEFT.
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