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Comptroller of the Currency

A federal agency that charters, regulates, and supervises all national banks and federal savings associations.

National Credit Union Administration (NCUA)

An independent federal agency that regulates, charters, and supervises federal credit unions.

Federal Reserve System (The Fed)

The central bank of the United States, responsible for conducting monetary policy, supervising and regulating banks, and maintaining financial stability.

Federal Deposit Insurance Corporation (FDIC)

An independent agency of the U.S. government that protects bank depositors and helps maintain confidence in the U.S. financial system.

Charter application

A formal request submitted to a regulatory authority to obtain permission to establish a new bank, savings association, or credit union.

Depository institution holding company

A company that owns or controls one or more banks or other depository institutions.

Federal savings association

A type of financial institution that specializes in accepting savings deposits and making mortgage loans, chartered by the federal government.