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What if I have trouble making payments on my consumer loans?

You should contact your lender to explain your specific situation. The Office of the Comptroller of the Currency (OCC) is encouraging banks to take steps to meet the financial service needs of customers adversely affected by COVID-19-related issues.

The federal government also recommends using credit counselors accredited by the National Foundation for Credit Counseling (NFCC), in coordination with the Financial Counseling Association of America (FCAA). Information about credit counseling is available from the CFPB and the NFCC.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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