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Encyclopedia > Office of Thrift Supervision

The Office of Thrift Supervision (OTS), an agency in the U.S. Treasury Department, is the primary regulator of federal savings associations (sometimes referred to as federal thrifts). Federal savings associations include both federal savings banks and federal savings and loans. The OTS is also responsible for supervising some state-chartered institutions. Image File history File links Office_of_Thrift_Supervision_logo. ... The United States Department of the Treasury is a Cabinet department, a treasury, of the United States government established by an Act of U.S. Congress in 1789 to manage the revenue of the United States government. ... Federal savings associations (also called federal thrifts) are institutions chartered by the Office of Thrift Supervision pursuant to the provisions of the Home Owners Loan Act, a federal statute. ... A savings and loan association is a financial institution which specializes in accepting savings deposits and making mortgage loans. ...


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