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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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My family member signed a power of attorney (POA) but when I took it to the bank/credit union, I was told the POA has to be on the bank/credit union's form. What can I do?


As long as the power of attorney (POA) follows the laws of your state, banks, credit unions, and other third parties should accept it. 

Ask to speak to the branch manager, a supervisor, or an attorney for the bank or credit union.

Many state laws require banks and credit unions to accept POAs except under certain circumstances: for example, if the bank or credit union believes the POA is forged, knows that the POA was revoked, or believes that the person who created the POA is being abused or exploited by the agent.

If you continue to meet resistance, you may be able to get a court order mandating acceptance of the POA – and the person refusing to honor it may have to pay your attorney’s fees and the costs of taking him or her to court.

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