Agency

Oficina del Comisionado de Instituciones Financieras (OCIF)

Created by Ley 4-1985, it regulates and supervises Puerto Rico’s financial institutions and handles complaints against them: banks organized in Puerto Rico, mortgage companies, pawnshops, check-cashing businesses, money transmitters, small personal loan companies and securities brokerages, among others. It also holds the money from inactive accounts and unclaimed property until its owner claims it.

Agency's official site

Guides related to this agency

Taxes & Treasury

Complaint against a bank, mortgage company or lender

The OCIF handles complaints against Puerto Rico financial institutions, but not against “N.A.” banks, cooperatives or out-of-state banks. Here is the line.

August 15, 2026

Taxes & Treasury

Unclaimed money: inactive accounts and abandoned property

After five years of inactivity the bank hands your money to the OCIF. Claiming it is free and needs no contract with anyone. You search at missingmoney.com.

August 15, 2026

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