Skip to content
Last verified: July 2026

GAP Refund Complaints: Who to Contact by State

If your GAP refund request was denied or ignored, these are the agencies that regulate the companies involved — the exact regulator for your state, plus federal channels.

Which agency?

  • Dealer-sold GAP waiver — file with your state's regulator listed below.
  • GAP from a bank or credit union — many state GAP laws exempt depository lenders, so start with the federal regulator (OCC for national banks, NCUA for federal credit unions) or the CFPB.
  • GAP bought as part of an auto insurance policy — file with your state's insurance department.

Automatic / strong-law states

These states require GAP refunds by statute — some automatically, without a request. Their regulators actively enforce refund failures.

California
CA Dept. of Financial Protection & Innovation (DFPI)dfpi.ca.gov/submit-a-complaint/
Colorado
Colorado Attorney Generalcoag.gov/file-complaint/
Texas
Office of Consumer Credit Commissioner (OCCC)occc.texas.gov/consumers/
New Jersey
NJ Dept. of Banking & Insurancenj.gov/dobi/
Oregon
OR Division of Financial Regulationdfr.oregon.gov/Pages/index.aspx
Florida
FL Office of Financial Regulationflofr.gov
Wisconsin
WI Dept. of Financial Institutionsdfi.wi.gov
Massachusetts
Massachusetts Attorney Generalwww.mass.gov/how-to/file-a-consumer-complaint
Virginia
VA Bureau of Insurance (State Corporation Commission)www.scc.virginia.gov/
Washington
WA Office of the Insurance Commissionerwww.insurance.wa.gov/

GAP-statute states

These states have a GAP waiver or refund statute, typically requiring a written request. Complaints go to the agency listed.

Alabama
Alabama State Banking Departmentbanking.alabama.gov
Arkansas
Arkansas Insurance Departmentinsurance.arkansas.gov
Georgia
GA Office of Commissioner of Insuranceoci.georgia.gov
Indiana
IN Dept. of Financial Institutionswww.in.gov/dfi/
Iowa
Iowa Attorney General (Consumer Protection, ICCC Administrator)www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint
Louisiana
LA Office of Financial Institutionsofi.la.gov
Maine
ME Bureau of Consumer Credit Protectionwww.maine.gov/pfr/consumercredit/
Michigan
MI Dept. of Insurance & Financial Services (DIFS)www.michigan.gov/difs
Minnesota
MN Dept. of Commercemn.gov/commerce/consumers/file-a-complaint/
Mississippi
Mississippi Insurance Departmentmid.ms.gov
Missouri
MO Dept. of Commerce & Insuranceinsurance.mo.gov/consumers
Montana
MT Dept. of Justice, Office of Consumer Protectiondojmt.gov/office-of-consumer-protection
Nebraska
Nebraska Dept. of Insurance (AG Consumer Protection as backstop)doi.nebraska.gov
Nevada
Nevada Division of Insurancedoi.nv.gov/Consumers/File_A_Complaint/
New Hampshire
NH Banking Departmentwww.banking.nh.gov/consumer-assistance
New Mexico
NM Office of Superintendent of Insurance (AG as backstop)www.osi.state.nm.us
New York
NY Dept. of Financial Serviceswww.dfs.ny.gov/complaint

If unresolved, escalate to the NY Attorney General's Bureau of Consumer Frauds

North Carolina
NC Dept. of Justice (Attorney General)ncdoj.gov/file-a-complaint/
North Dakota
ND Insurance Departmentwww.insurance.nd.gov/consumers/complaints
Oklahoma
Oklahoma Insurance Departmentwww.oid.ok.gov/consumers/file-an-online-complaint/
Rhode Island
RI Dept. of Business Regulation, Banking Divisiondbr.ri.gov/banking-securities-and-charitable-organizations/banking
South Carolina
SC Dept. of Consumer Affairsconsumer.sc.gov
Tennessee
TN Dept. of Commerce & Insurancewww.tn.gov/commerce/insurance/consumer-resources.html
Utah
Utah Insurance Departmentinsurance.utah.gov/complaints/
Vermont
Vermont Attorney General, Consumer Assistance Programago.vermont.gov/cap
West Virginia
WV Offices of the Insurance Commissionerwww.wvinsurance.gov/

No-GAP-statute states

These states have no GAP-specific refund statute — your contract controls, but these agencies handle complaints about the companies involved.

Alaska
Alaska Division of Banking & Securities (Dept. of Commerce, Community & Economic Development)commerce.alaska.gov/web/dbs
Arizona
Arizona Dept. of Insurance and Financial Institutions (DIFI)difi.az.gov/file-a-complaint
Connecticut
CT Dept. of Banking (Consumer Credit Division)portal.ct.gov/dob/consumer/consumer-complaints/vehicle-loan
Delaware
DE Office of the State Bank Commissionerbanking.delaware.gov/consumer-complaints/
Hawaii
HI Dept. of Commerce & Consumer Affairs, Office of Consumer Protectioncca.hawaii.gov/ocp/
Idaho
ID Dept. of Financewww.finance.idaho.gov/complaint-guidance/
Illinois
IL Dept. of Financial & Professional Regulation (Division of Financial Institutions)idfpr.illinois.gov
Kansas
KS Office of the State Bank Commissionerosbckansas.gov/consumer-complaint-form/
Kentucky
KY Dept. of Financial Institutionskfi.ky.gov
Maryland
Maryland Office of Financial Regulationlabor.maryland.gov/finance/
Ohio
Ohio Attorney General, Consumer Protection Sectionohioattorneygeneral.gov

If your contract is held by a licensed consumer-finance company, the Ohio Dept. of Commerce, Division of Financial Institutions is an alternative venue

Pennsylvania
PA Dept. of Banking and Securitieswww.pa.gov/services/dobs
South Dakota
SD Division of Bankingdlr.sd.gov/banking/
Wyoming
WY Division of Bankingwyomingbankingdivision.wyo.gov/how-to-file-a-complaint

Federal regulators

Federal channels work in every state and are often the fastest route when a bank or national lender holds your contract.

CFPB
Any lender, any statewww.consumerfinance.gov/complaint/
OCC
National banks (e.g., Wells Fargo, US Bank)helpwithmybank.gov
NCUA
Federal credit unionsmycreditunion.gov
FTC
Deceptive dealer practicesreportfraud.ftc.gov

Some state GAP laws don't apply to banks and credit unions — if your GAP came through a depository lender, the federal channels above may be your best route.

Before filing, check your state's GAP refund law to know exactly what your lender owed you, and see our free DIY GAP refund guide for the request-and-escalation process.

Important Notice

This information is for educational purposes only and does not constitute legal, financial, or insurance advice. Agency jurisdictions can vary by the type of company holding your contract. GapInsuranceRefunds.com is a document-preparation and claim-assistance service, not a law firm.