Farm Credit Administration (FCA)
Consumer Complaints


The Farm Credit Administration (FCA) is responsible for the regulation and examination of the banks, associations, and related entities that collectively comprise what is known as the Farm Credit System, including the Federal Agricultural Mortgage Corporation (Farmer Mac).

Many of the inquiries received by FCA relate to the borrower rights provisions enacted by the Agricultural Credit Act of 1987. These are rights which Farm Credit System institutions must extend to borrowers during the application process, servicing, or collection of certain loans. Alleged violations of certain other Federal laws and Federal regulations also are reviewed by FCA.

FCA encourages borrowers and Farm Credit System institutions to maintain communication with each other and to make a good faith effort at negotiating a settlement of their differences. FCA has observed that this often results in an outcome that is agreeable and less costly to all parties involved.

How to File a Complaint

If a Farm Credit System borrower with an agricultural or aquatic loan believes his/her borrower rights may have been violated, FCA needs specific information in order to review these violations. Borrowers should provide the following minimum information in their correspondence:

  • Name(s) of the borrower(s)
  • Loan number(s)
  • Name and address of the lending institution servicing the loan
  • The specific allegation of statutory or regulatory violation, including dates
  • Other supporting documentation

This information should be mailed to:

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

FCA does not mediate disputes between a borrower and a Farm Credit System (System) institution. In those cases, it is up to the borrower to seek legal counsel or other means for resolving the issue. Some states have loan mediation programs certified by the Secretary of Agriculture under requirements established by the Agricultural Credit Act of 1987. If a borrower initiates mediation under one of these programs, System institutions are required by regulation to cooperate with requests for information and to explore debt restructuring proposals. In some instances, concerns raised by borrowers or other interested parties fall outside the authority of an arm's-length regulator. FCA does not have authority to interfere in the daily management or business decisions of System institutions unless Federal law or regulations have been violated, or such decisions affect the safety and soundness of the institution. FCA does not intercede in or provide comment on litigation between a borrower and a System institution.

FCA does not determine specific interest rates charged by System institutions. These rates are set by the individual boards of directors, which are elected by the member-borrowers. Disputes concerning the interest rate charged an individual borrower should be addressed to the management or board of directors of the institution. The FCA does have the responsibility of ensuring that System institutions price their loans at levels that are consistent with safe and sound banking practices.

For further information, visit the FCA's website.

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