Submit a Complaint or Tip

The Office of Financial Regulation (OFR) accepts complaints or tips from concerned citizens who may have information about potential fraud or misconduct involving certain financial services that may fall under OFR’s jurisdiction. We use this information to assist in identifying possible unlawful or criminal activity.

When you submit a complaint to our office, we will review all the information you provide and may also review relevant information from other sources, including from the individual or business at issue in your complaint or tip. Upon review of this information we will determine if the matter is within our jurisdiction and, if so, determine what course of action to take. If necessary, we may contact you for additional information. If the matter is outside our jurisdiction, we may refer your complaint or tip to the proper regulatory authority or suggest that you consider taking private legal action. Please do not hesitate to follow up and contact our office regarding your complaint, particularly if new, significant developments occur.

When you submit a complaint or tip to our office, your information will be recorded in a database and analyzed with other complaints or tips. This practice allows us to identify patterns of potential wrongdoing and to direct agency resources in ways that may best protect the public.

Information We Need to Process Your Complaint

• Summary of the complaint describing the nature of the issue or dispute, name of the firm or individual(s) involved, and what was said or done resulting in your need to submit a complaint or tip.
• Copies of related documents: provide copies of all documents that support your complaint or tip. Examples are contracts, account statements, disclosure documents, cancelled checks, money orders, wire advices, sales materials and advertisements. Filing online allows you to upload electronic documents. Please do not submit any original documents.
• Online Services Account Registration: In order to file your complaint or tip, you will need to register electronically through our Online Services. A valid email address is required.
• Username and Password: Once registered, your username and password will allow you to check the status of your complaint or tip at any time, upload additional documentation electronically, or submit a new complaint or tip without having to register again.

Disclaimer: The OFR does not have authority to arbitrate individual claims or disputes on your behalf or represent you in any civil matter. We cannot act as your legal counsel nor can we resolve factual disputes over the interpretation of contracts or agreements. The OFR cannot take any enforcement action based solely on unsupported allegations. The supporting documentation that you provide to OFR will be carefully reviewed to determine whether any applicable laws or rules may have been violated.

Note: Complaints and tips are filed online by selecting “Submit A Complaint” above. If you are unable to file online, please download and mail a completed paper form. Under Florida law, e-mail addresses are public records. If you do not want your e-mail address released in response to a public records request, do not send electronic mail to the OFR. Instead, contact this office by phone or in writing. Communications with this office, regardless of the form or means of transmission, are subject to disclosure under Florida's public records law.

Complaints alleging that a financial institution has denied, cancelled, suspended, or terminating its services as a result of discrimination in violation of s. 655.0323, Florida Statutes, should be submitted on Form OFR-U-3231 – Complaint. Please see HB 989 Implementation for Financial Institutions for more information regarding submission.