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Policies and Disclosures

Consumer Complaint Notice

HAPPY STATE BANK is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  Any consumer wishing to file a complaint against HAPPY STATE BANK should contact the Texas Department of Banking.

HAPPY STATE BANK also engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. under Chapter 151 of the Texas Finance Code.  If you have a complaint, first contact the consumer assistance division of MoneyGram Payment Systems, Inc., at 1-800-MONEYGRAM.  If you still have an unresolved complaint regarding the company’s money transmission of currency exchange activity, please direct your complaint to the Texas Department of Banking.

Consumers may file complaints with the Texas Department of Banking by contacting the Department through one of the means indicated below:

In Person or U.S. Mail:
Texas Department of Banking
2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294
Telephone Number: 1-877-276-5554 (toll free) 
Fax No.: 512-475-1313
E-mail: consumer.complaints@dob.texas.gov
Website: www.dob.texas.gov

Primary Regulator:
Federal Deposit Insurance Corporation
Consumer Response Center
1100 Walnut St., Box #11
Kansas City, MO 64106
Fax: (703) 812-1020
To reach us by phone, call toll free: 1-877-275-3342 (1-877-ASK-FDIC).  Regular hours of operation are Monday – Friday from 8 a.m. – 8:00 p.m. (EST).
Website:  https://www.fdic.gov/consumers/assistance/filecomplaint.html

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