The Federal Reserve Bank has an internal appeals process for any institution examined by the Federal Reserve wishing to appeal an adverse supervisory determination in areas including, but not limited to, examination or inspection ratings, the adequacy of loan loss reserves, and significant loan classifications. The Reserve Bank and the Board of Governors continue to believe that objections to supervisory determinations are most effectively handled through the long-standing Federal Reserve practice of resolving problems informally during the course of the examination process. However, the attached procedures clarify the steps an institution should follow if that institution chooses to appeal a material supervisory determination, with the assurance that there will be no negative repercussions.
Appeals Process

The Federal Reserve's Ombudsman
The Federal Reserve's Ombudsman facilitates the resolution of questions and complaints related to the Federal Reserve's regulatory activities; ensures that complaints about Federal Reserve Board or Reserve Bank actions are addressed in a fair and timely manner; receives, reviews, and decides complaints that a member of Federal Reserve staff acted in a retaliatory manner against a supervised institution; and advises institutions regarding formal processes for resolving disputes, including procedures for appealing material supervisory determinations.

Contact information: The Ombudsman operates secure email and dedicated telephone and fax lines.


Phone: 1-800-337-0429

Office of the Ombudsman
Federal Reserve Board
20th & C Streets, NW, Mail Stop 28
Washington, D.C. 20551