Privacy Policy
SA TRUCKING INC
650 S Eastwood Dr, Woodstock, IL 60098
Main Office Phone: 847–481–6103
Email: info@satruckinginc.com
HR Department: hr@satruckinginc.com
Website: https://cdl4sa.com
Last Updated: August 7, 2025

SA Trucking Inc. (“SA Trucking”, “we”, “our”, or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy applies to https://cdl4sa.com and governs data collection and usage. By using our website, you consent to the practices described in this Privacy Policy.

1. Information We CollectWe collect personal information that you voluntarily provide through the Site or our service provider Tenstreet, Inc. This may include:

- Name, phone number, email address
- Employment history and license information
- Documents such as a driver’s license, Social Security card, Med Card, and personal photos
- IP address, browser type, referring pages, and device information
- Site usage behaviors and cookies (see “Cookies” below)
2. Use of Personal InformationWe use your personal information to:

- Evaluate job applications
- Support onboarding processes
- Communicate via phone, email, or text
- Track user activity for improvement of services
- Comply with legal requirements and protect our business interests
3. Sharing Your InformationWe do not sell or lease your information. We share your data with:

- Tenstreet, Inc., our recruiting and onboarding software provider
- Third-party service providers (e.g., background check agencies)
- Legal advisors, when necessary
- Government authorities when required by law
4. Your Rights Under the Fair Credit Reporting Act (FCRA)SA Trucking complies with the FCRA. If consumer reports are used for hiring decisions, we will provide a clear disclosure and obtain your authorization. You have the right to dispute inaccurate information, and in the case of adverse action, you will be notified with a summary of your rights.
5. Use of CookiesWe use cookies to enhance user experience and track site navigation. You may disable cookies in your browser settings. Disabling cookies may affect some functionality of the Site.
6. Children Under ThirteenWe do not knowingly collect information from children under the age of 13. If you are under 13, do not use this site without parental consent.
7. Data SecurityWe implement SSL encryption and industry-standard security measures. However, no data transmission over the internet can be guaranteed to be 100% secure.
8. Data RetentionWe retain data for as long as necessary to fulfill business and legal obligations. You may request data deletion by contacting us.
9. Third-Party LinksOur site may link to external websites. We are not responsible for the content or privacy practices of these sites.
10. California Privacy RightsCalifornia residents may request information on how we share their personal data. Contact us at info@satruckinginc.com to exercise your rights.
11. Updates to This PolicyWe may update this Privacy Policy. Changes will be posted on this page with the updated date. Continued use of the Site constitutes your agreement to the new terms.
12. Contact UsIf you have questions about this Privacy Policy, contact us at:

SA Trucking Inc.
650 S Eastwood Dr
Woodstock, IL 60098
Email: info@satruckinginc.com or hr@satruckinginc.com
Phone: 847–481–6103


Notice to Users of Consumer Reports: Obligations of Users under the FCRAAll users of consumer reports must comply with all applicable regulations, including regulations
promulgated after this notice was first prescribed in 2004. Information about applicable regulations
currently in effect can be found at the Consumer Financia l Protection Bureau’s website,
www.consumerfinance.gov/learnmore .

NOTICE TO USERS OF CONSUMER REPORTS:
OBLIGATIONS OF USERS UNDER THE FCRA

The Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681-1681y, requires that this notice be provided to inform users of
consumer reports of their legal obligations.  State law may impose additional requirements. The text of the FCRA is
set forth in full at the Bureau of Consumer Financial Protection’s website at www. consumerfinance.gov/learnmore .
At the end of this document is a list of United States Code citations for the FCRA.Other information about user
duties is also available at the Bureau’s website. Users must consult the relevant provisions of the FCRA for
details about their obligations under the FCRA.

The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer
reports.The subsequent sections d iscuss the duties of users of reports that contain specific types of information, or
that are used for certain purposes, and the legal consequences of violations.  If you are a furnisher of information to
a consumer reporting agency (CRA), you have additio nal obligations and will receive a separate notice from the CRA
describing your duties as a furnisher.

I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS

A. Users Must Have a Permissible Purpose

Congress has limited the use of consumer reports to protec t consumers’ privacy.All users must have a permissible
purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under
the law.These are:

• As ordered by a court or a federal grand jury subpoena. Section 604(a )(1)
• As instructed by the consumer in writing. Section 604(a )(2)
• For the extension of credit as a result of an application from a consumer, or the review or collection of a
consumer’s account.  Section 604(a)(3)(A )
• For employment purpo ses, including hiring and promotion decisions, where the consumer has given
written permission.  Sections 604(a)(3)(B) and 604(b)
• For the underwriting of insurance as a result of an application from a consumer.Section 604(a )(3)(C)
• When there is a l egitimate business need, in connection with a business transaction that is initiated by the
consumer.Section 604 (a)(3)(F)(i)
• To review a consumer’s account to determine whether the consumer continues to meet the terms of the
account.Section 604(a)(3 )(F)(ii)
• To determine a consumer’s eligibility for a license or other benefit granted by a governmental
instrumentality required by law to consider an applicant’s financial responsibility or status.  Section
604(a )(3)(D)
• For use by a potential investo r or servicer, or current insurer, in a valuation or assessment of the credit or
prepayment risks associated with an existing credit obligation.  Section 604(a )(3)(E)
• For use by state and local officials in connection with the determination of child sup port payments, or
modifications and enforcement thereof.  Sections 604(a )(4) and 604(a)(5)

In addition, creditors and insurers may obtain certain consumer report information for the purpose of making
“prescreened” unsolicited offers of credit or insuranc e. Section 604(c).  The particular obligations of users of
“prescreened” information are described in Section VII below.

B. Users Must Provide Certifications

Section 604(f) prohibits any person from obtaining a consumer report from a consumer reportin g agency (CRA)
unless the person has certified to the CRA the permissible purpose(s) for which the report is being obtained and
certifies that the report will not be used for any other purpose.

C. Users Must Notify Consumers When Adverse Actions Are Take n

The term “adverse action” is defined very broadly by Section 603.  “Adverse actions” include all business, credit, and
employment actions affecting consumers that can be considered to have a negative impact as defined by Section
603(k) of the FCRA – such as denying or canceling credit or insurance, or denying employment or promotion.  No
adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the
consumer.

1. Adverse Actions Based on Information Obtain ed From a CRA

If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information
contained in a consumer report, Section 615(a) requires the user to notify the consumer. The notification may be
done in writin g, orally, or by electronic means. It must include the following:

• The name, address, and telephone number of the CRA (including a toll -free telephone number, if it is a
nationwide CRA) that provided the report.
• A statement that the CRA did not make the adverse decision and is not able to explain why the decision
was made.
• A statement setting forth the consumer’s right to obtain a free disclosure of the consumer’s file from the
CRA if the consumer makes a request within 60 days.
• A statement set ting forth the consumer’s right to dispute directly with the CRA the accuracy or
completeness of any information provided by the CRA.

2. Adverse Actions Based on Information Obtained From Third Parties Who Are Not Consumer
Reporting Agencies

If a perso n denies (or increases the charge for) credit for personal, family, or household purposes based either
wholly or partly upon information from a person other than a CRA, and the information is the type of consumer
information covered by the FCRA, Section 61 5(b)(1) requires that the user clearly and accurately disclose to the
consumer his or her right to be told the nature of the information that was relied upon if the consumer makes a
written request within 60 days of notification.  The user must provide the disclosure within a reasonable period of
time following the consumer’s written request.

3. Adverse Actions Based on Information Obtained From Affiliates

If a person takes an adverse action involving insurance, employment, or a credit transaction initi ated by the
consumer, based on information of the type covered by the FCRA, and this information was obtained from an entity
affiliated with the user of the information by common ownership or control, Section 615(b)(2) requires the user to
notify the consu mer of the adverse action. The notice must inform the consumer that he or she may obtain a
disclosure of the nature of the information relied upon by making a written request within 60 days of receiving the
adverse action notice.  If the consumer makes su ch a request, the user must disclose the nature of the information
not later than 30 days after receiving the request.  If consumer report information is shared among affiliates and
then used for an adverse action, the user must make an adverse action disc losure as set forth in I.C.1 above.

D. Users Have Obligations When Fraud and Active Duty Military Alerts are in Files

When a consumer has placed a fraud alert, including one relating to identifytheft, or an active duty military alert
with a nationwide consumer reporting agency as defined in Section 603(p) and resellers, Section 605A(h) imposes
limitations on users of reports obtained from the consumer reporting agency in certain circumstances, including the
establishment of a new credit plan and the iss uance of additional credit cards.For initial fraud alerts and active duty
alerts, the user must have reasonable policies and procedures in place to form a belief that the user knows the
identity of the applicant or contact the consumer at a telephone num ber specified by the consumer; in the case of
extended fraud alerts, the user must contact the consumer in accordance with the contact information provided in
the consumer’s alert.

E. Users Have Obligations When Notified of an Address Discrepancy

Section 605(h) requires nationwide CRAs, as defined in Section 603(p), to notify users that request reports when the
address for a consumer provided by the user in requesting the report is substantially different from the addresses in
the consumer’s file. Whenthis occurs, users must comply with regulations specifying the procedures to be followed,
which will be issued by the Consumer Financial Protection Bureau and the banking and credit union regulators.

The Consumer Financial Protection Bureau regulations will be available at www.consumerfinance.gov/learnmore/ .

F. Users Have Obligations When Disposing of Records

Section 628 requires that all users of consumer report information have in place proc edures to properly dispose of
records containing this information. The Consumer Financial Protection Bureau , the Securities and Exchange
Commission, and the banking and credit union regulators have issued regulations covering disposal.  The Consumer
Finan cial Protection Bureau regulations may be found at www. consumerfinance .gov/learnmore/ .

II. CREDITORS MUST MAKE ADDITIONAL DISCLOSURES

If a person uses a consumer report in connection with an appli cation for, or a grant, extension, or provision of, credit
to a consumer on material terms that are materially less favorable than the most favorable terms available to a
substantial proportion of consumers from or through that person, based in whole or inpart on a consumer report,
the person must provide a risk -based pricing notice to the consumer in accordance with regulations prescribed by the
Consumer Financial Protection Bureau.

Section 609(g) requires a disclosure by all persons that make or arrang e loans secured by residential real property
(one to four units) and that use credit scores. These persons must provide credit scores and other information about
credit scores to applicants, including the disclosure set forth in Section 609(g)(1)(D) (“Not ice to the Home Loan
Applicant”).

III. OBLIGATIONS OF USERS WHEN CONSUMER REPORTS ARE OBTAINED FOR EMPLOYMENT
PURPOSES

A. Employment Other Than in the Trucking Industry

If the information from a CRA is used for employment purposes, the user has speci fic duties, which are set forth in
Section 604(b) of the FCRA.  The user must:

• Make a clear and conspicuous written disclosure to the consumer before the report is obtained, in a
document that consists solely of the disclosure, that a consumer report m ay be obtained.
• Obtain from the consumer prior written authorization.  Authorization to access reports during the term of
employment may be obtained at the time of employment.
• Certify to the CRA that the above steps have been followed, that the infor mation being obtained will not
be used in violation of any federal or state equal opportunity law or regulation, and that, if any adverse
action is to be taken based on the consumer report, a copy of the report and a summary of the consumer’s
rights will b e provided to the consumer .
 Beforetaking an adverse action, the user must provide a copy of the report to the consumer as well as
the summary of consumer’s rights (The user should receive this summary from the CRA.) A Section 615(a)
adverse action notice should be sent after the adverse action is taken.

An adverse action notice also is required in employment situations if credit information (other than transactions and
experience data) obtained from an affiliate is used to deny employment. Section 615(b )(2).

The procedures for investigative consumer reports and employee misconduct investigations are set forth below.

B. Employment in the Trucking Industry

Special rules apply for truck drivers where the only interaction between the consumer and the po tential employer is
by mail, telephone, or computer. In this case, the consumer may provide consent orally or electronically, and an
adverse action may be made orally, in writing, or electronically.  The consumer may obtain a copy of any report
relied upo n by the trucking company by contacting the company.

IV. OBLIGATIONS WHEN INVESTIGATIVE CONSUMER REPORTS ARE USED

Investigative consumer reports are a special type of consumer report in which information about a consumer’s
character, general reputation, personal characteristics, and mode of living is obtained through personal interviews by
an entity or person that is a consumer reporting agency. Consumers who are the subjects of such reports are given
special rights under the FCRA. If a user intends to obtain an investigative consumer report, Section 606 requires the
following:

• The user must disclose to the consumer that an investigative consumer report may be obtained.  This
must be done in a written disclosure that is mailed, or otherwise delivere d, to the consumer at some time
before or not later than three days after the date on which the report was first requested.  The disclosure
must include a statement informing the consumer of his or her right to request additional disclosures of the
nature and scope of the investigation as described below, and the summary of consumer rights required by
Section 609 of the FCRA.  (The summary of consumer rights will be provided by the CRA that conducts the
investigation.)
• The user must certify to the CRA th at the disclosures set forth above have been made and that the user
will make the disclosure described below.
• Upon the written request of a consumer made within a reasonable period of time after the disclosures
required above, the user must make a compl ete disclosure of the nature and scope of the investigation.
This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later
than five days after the date on which the request was received from the consumer or the report was first
requested, whichever is later in time.

V. SPECIAL PROCEDURES FOR EMPLOYMEE INVESTIGATIONS

Section 603(x) provides special procedures for investigations of suspected misconduct by an employee or for
compliance with Federal, state or loca l laws and regulations or the rules of a self -regulatory organization, and
compliance with written policies of the employer. These investigations are not treated as consumer reports so long
as the employer or its agent complies with the procedures set for th in Section 603(x), and a summary describing the
nature and scope of the inquiry is made to the employee if an adverse action is taken based on the investigation.

VI. OBLIGATIONS OF USERS OF MEDICAL INFORMATION

Section 604(g) limits the use of medica l information obtained from consumer reporting agencies (other than payment
information that appears in a coded form that does not identify the medical provider).If the information is to be
used for an insurance transaction, the consumer must give consen t to the user of the report or the information must
be coded.If the report is to be used for employment purposes – or in connection with a credit transaction (except
as provided in regulations issued by the banking and credit union regulators) – the cons umer must provide specific
written consent and the medical information must be relevant.  Any user who receives medical information shall not
disclose the information to any other person (except where necessary to carry out the purpose for which the
inform ation was disclosed, or a permitted by statute, regulation, or order).

VII. OBLIGATIONS OF USERS OF “PRESCREENED” LISTS

The FCRA permits creditors and insurers to obtain limited consumer report information for use in connection with
unsolicited offers of credit or insurance under certain circumstances. Sections 603 (1), 604(c), 604(e), and 614(d).
This practice is known as “prescreening” and typically involves obtaining a list of consumers from a CRA who meet
certain preestablished criteria.If any per son intends to use prescreened lists, that person must (1) before the offer
is made, establish the criteria that will be relied upon to make the offer and grant credit or insurance, and (2)
maintain such criteria on file for a three -year period beginning o n the date on which the offer is made to each
consumer.In addition, any user must provide with each written solicitation a clear and conspicuous statement that:

• Information contained in a consumer’s CRA file was used in connection with the transactio n.
• The consumer received the offer because he or she satisfied the criteria for credit worthiness or
insurability used to screen for the offer.
• Credit or insurance may not be extended if, after the consumer responds, it is determined that the
consume r does not meet the criteria used for screening or any applicable criteria bearing on credit
worthiness or insurability, or the consumer does not furnish required collateral.
 The consumer may prohibit the use of information in his or her file in connectio n with future prescreened
offers of credit or insurance by contacting the notification system established by the CRA that provided the
report.The statement must include the address and toll -free telephone number of the appropriate
notification system.

In addition, the Consumer Financial Protection Bureau has established the format, type size, and manner of the
disclosure required by Section 615(d), with which users must comply. The regulation is 12 CFR 1022.54.

VIII. OBLIGATIONS OF RESELLERS

A. Disclosure and Certification Requirements

Section 607(e) requires any person who obtains a consumer report for resale to take the following steps:

• Disclose the identity of the end -user to the source CRA.
• Identify to the source CRA each permissible purp ose for which the report will be furnished to the end -user.
• Establish and follow reasonable procedures to ensure that reports are resold only for permissible
purposes, including procedures to obtain:
(1) the identify of all end -users;
(2) certificatio ns from all users of each purpose for which reports will be used; and
(3) certifications that reports will not be used for any purpose other than the purpose(s) specified to the
reseller.Resellers must make reasonable efforts to verify this information before selling the report.

B. Reinvestigations by Resellers

Under Section 611(f), if a consumer disputes the accuracy or completeness of information in a report prepared by a
reseller, the reseller must determine whether this is a result of an action o r omission on its part and, if so, correct or
delete the information. If not, the reseller must send the dispute to the source CRA for reinvestigation.When any
CRA notifies the reseller of the results of an investigation, the reseller must immediately c onvey the information to
the consumer.

C. Fraud Alerts and Resellers

Section 605A(f) requires resellers who receive fraud alerts or active duty alerts from another consumer reporting
agency to include these in their reports.

IX. LIABILITY FOR VIOLATIO NS OF THE FCRA

Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well
as private lawsuits. Sections 616, 617 , and 621 . In addition, any person who knowingly and willfully obtains a
consumer rep ort under false pretenses may face criminal prosecution.  Section 619 .

The Consumer Financial Protection Bureau website , www. consumerfinance.gov/learnmore , has more
information about the FCRA .

Citations for FCRA sections in the U.S. Code, 15 U.S.C. § 1618 et seq.:


Section 60315 U.S.C. 1681
15 U.S.C. 1681a
Section 60415 U.S.C. 1681b
Section 60515 U.S.C. 1681c
Section 605A 15 U.S.C. 1681c -1
Section 605B 15 U.S.C. 1681c -2
Section 606  15 U.S.C. 1681d
Section 60715 U.S.C. 1681e
Section 60815 U.S.C. 1681f
Section 609  15 U.S.C. 1681g
Section 61015 U.S.C. 1681h
Section 61115 U.S.C. 1681i
Section 612  15 U.S.C. 1681j
Section 61315 U.S.C. 1681k
Section 6 14 15 U.S.C. 1681l
Section 615  15 U.S.C. 1681m
Section 61615 U.S.C. 1681n
Section 61715 U.S.C. 1681o
Section 61815 U.S.C. 1681p
Section 61915 U.S.C. 1681q
Section 62015 U.S.C. 1681r
Section 62115 U.S.C. 1681s
Section 62215 U.S.C. 1681s -1
Section 62315 U.S.C. 1681s -2
Section 624  15 U.S.C. 1681t
Section 62515 U.S.C. 1681u
Section 62615 U.S.C. 1681v
Section 627  15 U.S.C. 1681w
Section 62815 U.S.C. 1681x
Section 62915 U.S.C. 1681y



A Summary of Your Rights Under the Fair Credit Reporting Act
 1Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la
Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

 The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and
privacy of information in the files of consumer reporting agencies. There are many types of
consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies
that sell information about check writing histories, medical records, and rental history records).
Here is a summary of your major rights under FCRA. For more information, including
information about additional rights, go to www.consumerfinance.gov/learnmore or write
to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

 You must be told if information in your file has been used against you.  Anyone who
uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you,
and must give you the name, address, and phone number of the agency that provided the
information.

 You have the right to know what is in your file.  You may request and obtain all the
information about you in the files of a consumer reporting agency (your “file
disclosure”). You will be required to provide proper identification, which may include
your Social Security number. In many cases, the disclosure will be free. You are entitled
to a free file disclosure if:

o a person has taken adverse action against you because of information in your
credit report;
o you are the victim of identity theft and place a fraud alert in your file;
o your file contains inaccurate information as a result of fraud;
o you are on public assistance;
o you are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon
request from each nationwide credit bureau and from nationwide specialty consumer
reporting agencies. See www.consumerfinance.gov/learnmore for additional
information.

 You have the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. You may request a
credit score from consumer reporting agencies that create scores or distribute scores used
in residential real property loans, but you will have to pay for it. In some mortgage
transactions, you will receive credit score information for free from the mortgage lender.

 You have the right to dispute incomplete or inaccurate information.  If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer

 2reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

 Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information. Inaccurate, incomplete, or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency
may continue to report information it has verified as accurate.

 Consumer reporting agencies may not report outdated negative information.In
most cases, a consumer reporting agency may not report negative information that is
more than seven years old, or bankruptcies that are more than 10 years old.

 Access to your file is limited.  A consumer reporting agency may provide information
about you only to people with a valid need – usually to consider an application with a
creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a
valid need for access.

 You must give your consent for reports to be provided to employers.  A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally
is not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore .

 You may limit “prescreened” offers of credit and insurance you get based on
information in your credit report.  Unsolicited “prescreened” offers for credit and
insurance must include a toll-free phone number you can call if you choose to remove
your name and address form the lists these offers are based on. You may opt out with the
nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).

 The following FCRA right applies with respect to nationwide consumer reporting
agencies:

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a “security freeze” on your credit report, which will
prohibit a consumer reporting agency from releasing information in your credit
report without your express authorization.  The security freeze is designed to prevent
credit, loans, and services from being approved in your name without your consent.
However, you should be aware that using a security freeze to take control over who gets
access to the personal and financial information in your credit report may delay, interfere
with, or prohibit the timely approval of any subsequent request or application you make
regarding a new loan, credit, mortgage, or any other account involving the extension of
credit.

As an alternative to a security freeze, you have the right to place an initial or extended
fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is

 3placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s
credit file, a business is required to take steps to verify the consumer’s identity before
extending new credit. If you are a victim of identity theft, you are entitled to an extended
fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection
agencies acting on behalf of the person or entity, with which you have an existing
account that requests information in your credit report for the purposes of reviewing or
collecting the account. Reviewing the account includes activities related to account
maintenance, monitoring, credit line increases, and account upgrades and enhancements.

 You may seek damages from violators.  If a consumer reporting agency, or, in some
cases, a user of consumer reports or a furnisher of information to a consumer reporting
agency violates the FCRA, you may be able to sue in state or federal court.

 Identity theft victims and active duty military personnel have additional rights.For
more information, visit www.consumerfinance.gov/learnmore .

States may enforce the FCRA, and many states have their own consumer reporting laws.
In some cases, you may have more rights under state law. For more information, contact
your state or local consumer protection agency or your state Attorney General.For
information about your federal rights, contact:

 4TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total
assets of over $10 billion and their affiliates


b. Such affiliates that are not banks, savings associations, or
credit unions also should list, in addition to the CFPB: a. Consumer Financial Protection Bureau
1700 G Street, N.W.
Washington, DC 20552

b. Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382 -4357
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal
branches and federal agencies of foreign banks


b. State member banks, branches and agencies of foreign banks
(other than federal branches, federal agencies, and Insured State
Branches of Foreign Banks), commercial lending companies
owned or controlled by foreign banks, and organizations
operating under section 25 or 25A of the Federal Reserve Act.

c. Nonmember Insured Banks, Insured State Branches of
Foreign Banks, and insured state savings associations

d. Federal Credit Unions a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050

b. Federal Reserve Consumer Help Center
P.O. Box 1200
Minneapolis, MN 55480


c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106

d. National Credit Union Administration
Office of Consumer Financial Protection (OCFP)
Division of Consumer Compliance Policy and Outreach
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations,
Federal Intermediate Credit Banks, and Production Credit
Associations Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102 -5090
9. Retailers, Finance Companies, and All Other Creditors Not
Listed Above Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382 -4357