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The Office of Consumer Protection reflects NCUA's heightened focus on consumer protection. Established in 2010, The Office of Consumer Protection includes the Division of Consumer Affairs, the Division of Consumer Compliance Policy and Outreach, the Division of Consumer Access, and the Division of Consumer Access - South.

The Division of Consumer Affairs is responsible for member complaints, congressional inquiries, interagency coordination on consumer protection issues, and the consumer website,

The Division of Consumer Compliance Policy and Outreach is responsible for consumer compliance policy and rulemaking, fair lending examinations, interagency coordination on consumer compliance issues, financial literacy and outreach programs, and ombudsman functions.

The two Divisions of Consumer Access are responsible for chartering, charter conversions, bylaw amendments, field of membership expansions, and low-income designations. The Division of Consumer Access is responsible for NCUA Regions I, II, and V and the Division of Consumer Access - South is responsible for NCUA Regions III and IV.


Director of the Office of Consumer Protection—Gail Laster 

As the Director of the Office of the Consumer Protection at the National Credit Union Administration (NCUA), Gail Laster has the overall responsibility for NCUA’s fair lending, consumer protection, and chartering programs and policies.

Prior to joining NCUA, Gail Laster was a Deputy Chief Counsel for the House Financial Services Committee. She previously served as General Counsel to the U.S. Department of Housing and Urban Development, as Director of Governmental Relations for the Legal Services Corporation, and as Counsel to both the Senate Judiciary and Labor and Human Resources Committees. She also participated in drafting many of the consumer protection laws with which credit unions are expected to comply, including the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Gail is a graduate of the New York University School of Law and earned an undergraduate degree from Yale University.



Phone: 703-518-1140
FAX: 703-518-6439


Mailing Address:
National Credit Union Administration
1775 Duke St.
Alexandria, VA 22314