Today’s Ask Your Government

Dear Teri,

Who do I talk to if I want to complain about my bank?

Jerry Littke

Hillsboro

Thanks for writing! I called the North Dakota Department of Financial Institutions. Here’s what Commissioner Bob Entringer said:

“It depends. If it’s a state-chartered bank, it would be us. If it’s a national bank, it would be the Office of the Comptroller of the Currency.

“A credit union is a different entity. For a state-chartered credit union, call us. If it’s a federal credit union, then the National Credit Union Administration.

“I would guess, just off the top of my head, (we get) between 10 and 20 (complaints) a year, maybe. It’s not a lot.

“They can call our general phone number, 701-328-9933. We also have a complaint form on our website at www.nd.gov/dfi/forms/index.html. At the bottom is a complaint form. They can email that to us or mail it.”

Dear Teri,

Does North Dakota have a real estate seller’s disclosure law? If so, can you tell me where to find the information? I did not purchase my home through a real estate agent (FSBO) and discovered major water damage hidden under a dropped ceiling and freshly laminated flooring. Just wondering if I have any recourse.
Terri Gerhart

Minot

Thanks for writing! I contacted the North Dakota Real Estate Commission. Here’s what Executive Director Pat Jergenson said:

“No, there is not one. It’s not mandatory. We recommend that people use one. We recommend (real estate) licensees get one from their seller. There is no law stating there has to be one.

“Civil court is what we would recommend if she had called our office. Probably small claims court, depending on the cost. Small claims court goes up to $10,000 now. I don’t know what the cost would be.”

Do you have a question for a North Dakota state government official or agency? Send us your question, and we’ll do our best to find an answer.

E-mail politics@wday.com (Subject: Ask your government).

You may also write to Teri Finneman c/o Forum Communications, Press Room, State Capitol, Bismarck ND 58505.

Please include your name, town and a phone number to reach you for verification.

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