Consumer Complaint Form
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Consumer Complaint Form

Information About the Complaint Process

The Department of Savings and Mortgage Lending (the Department) may take disciplinary action against a person who is licensed or registered under its programs when the subject property is located in Texas, and anyone who has violated a law that is within the scope of the Department’s enforcement authority, regardless of license status.

The Department accepts complaints against the following entities:

  • Residential Mortgage Loan Originators
  • Mortgage Companies
  • Financial Services Companies
  • Auxiliary Mortgage Loan Activity Companies
  • Independent Contractor Loan Processors
  • Independent Underwriters
  • Mortgage Bankers
  • Residential Mortgage Loan Servicers
  • State Savings Banks / Thrifts

The Department does not regulate:

  • Federal or state banks
  • Real estate brokers or agents
  • Title insurance companies
  • Appraisers
  • Buyers or sellers who are not licensed by the Department
  • Income or investment properties

The Department does not:

  • Resolve commission or employment disputes between its licensees.
  • Give legal advice, opinions or act as your personal legal representative.

Below is an online complaint form. All complaints must be signed and in writing. The Department does not accept complaints over the telephone or unsigned complaints by electronic mail. Be sure to enclose copies of all relevant supporting documents when returning the complaint form to the Department. PLEASE DO NOT SEND ORIGINAL DOCUMENTS.

If you are disabled and need help completing this form, please call us toll free at (877) 276-5550.

If you do not want your identity revealed, or do not sign your complaint, we will not be able to process it. If an investigation is opened, the person or entity against whom the complaint is filed will receive a copy of the complaint. You may be required to testify as a witness in a hearing in Austin, Texas

File a Complaint Form

What to Expect After Submitting a Complaint:

  • You will be notified by mail or email that your complaint has been received within 10 business days.
  • We will determine whether your complaint states facts which could establish a violation of one or more of the laws that the Department administers and enforces.
  • If so, the Department will open an investigation of your complaint.
  • If not, the Department will let you know that we will not take further action on your complaint.

To check the status of your complaint after 10 business days, you may contact the Complaint Intake Assistant toll free at (877) 276-5550.

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