Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Financial Consumer 
Hotline Act of 2007’’. 
SEC. 2. CENTRALIZED INTAKE OF CONSUMER COMPLAINTS 
AND INQUIRIES MADE TO FEDERAL FINAN-
CIAL INSTITUTION REGULATORY AGENCIES. 
The Federal Financial Institutions Examination 
Council Act of 1978 (12 U.S.C. 3301 et seq.) is amended 
by inserting after section 1009A the following new section: 
‘‘SEC. 1009B. CONSUMER COMPLAINTS AND INQUIRIES. 
‘‘(a) SINGLE TOLL-FREE TELEPHONE NUMBER FOR 
CONSUMER COMPLAINTS AND INQUIRIES.— 
‘‘(1) CALL INTAKE SYSTEM.—The Federal fi-
nancial institution regulatory agencies, coordinating 
through the Council, shall establish a single, toll-free 
telephone number for consumer complaints and in-
quiries concerning institutions regulated by such 
agencies and a system for routing such calls to the 
Federal financial institution regulatory agency that 
primarily supervises the financial institution, or that 
is otherwise the appropriate agency to address the 
subject of the complaint or inquiry.
‘‘(2) ROUTING CALLS TO STATES.—To the ex-
tent practicable, State agencies may receive appro-
priate call transfers from the system established 
under paragraph (1) if— 
‘‘(A) the State agency’s system has the 
functional capacity to receive calls routed by the 
system; and 
‘‘(B) the State agency has satisfied any 
conditions of participation in the system that 
the Council, coordinating with State agencies 
through the chairperson of the State Liaison 
Committee, may establish. 
‘‘(b) REPORT TO THE CONGRESS.—Not later than 6 
months after the date of the enactment of the Financial 
Consumer Hotline Act of 2007, the Federal financial insti-
tution regulatory agencies shall submit a report to the 
Committee on Financial Services of the House of Rep-
resentatives and the Committee on Banking, Housing, and 
Urban Affairs of the Senate describing the agencies’ ef-
forts to establish— 
‘‘(1) a public interagency Web site for directing 
and referring Internet consumer complaints and in-
quiries concerning any financial institution to the 
Federal financial institution regulatory agency that 
primarily supervises the financial institution, or to
the Federal financial institution regulatory agency 
or State agency that is otherwise the appropriate 
agency to address the subject of the complaint or in-
quiry; and 
‘‘(2) a system to expedite the prompt and effec-
tive rerouting of any misdirected consumer com-
plaint or inquiry documents between or among the 
agencies, with prompt referral of any complaint or 
inquiry to the appropriate Federal financial institu-
tion regulatory agency, and to participating State 
agencies.’’. 
Passed the House of Representatives April 29, 2008. 
Attest: 
Clerk.
110TH CONGRESS 
2D SESSION 
H. R. 4332 
AN ACT 
To amend the Federal Financial Institutions Exam-
ination Council Act to require the Council to es-
tablish a single telephone number that consumers 
with complaints or inquiries could call and be 
routed to the appropriate Federal banking agen-
cy or State bank supervisor, and for other pur-
poses.