Regent Bank on Your Credit Report
In short: Regent Bank runs a state-chartered commercial bank that is not a member of the Federal Reserve System out of Tulsa, Oklahoma. Certificate 4160 puts the charter date at January 1, 1898, placing Regent Bank in the nineteenth-century cohort of surviving charters. As of the 06/30/2026 call report, Regent Bank held $2.24 billion in assets and operated 7 FDIC-reported offices. Because Regent Bank originates and keeps its own loans, it furnishes the tradeline directly — which means you can dispute with the bank under §623 and with the bureaus under §611 at the same time. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Regent Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Regent Bank holds FDIC certificate 4160, chartered January 1, 1898 in Tulsa, Oklahoma (128 years old), and reported $2.24 billion in total assets across 7 offices on the 06/30/2026 call report.
How Regent Bank appears on your credit report
Regent Bank furnishes as the original creditor, which gives you a different and generally stronger route than disputing a collector. At 7 offices the reporting function is handled by a handful of people rather than an automated dispute mill, so precision in your letter matters more than volume. Identify the account by last four digits and open date, say precisely which field is wrong, and run the bureau dispute in parallel rather than sequentially. Whether anything changes depends on the underlying records, and that varies by account.
Names it may report under
Products that commonly show up
- ◆Consumer loans written and serviced in-house
- ◆Mortgage and home-equity credit originated in the Oklahoma region
- ◆Consumer accounts originated across its 7 Oklahoma offices
Grounds to dispute a Regent Bank entry
Each of these is a reason a Regent Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by Regent Bank
- ◆Balance not zeroed after Regent Bank accepted a settlement
- ◆Single Regent Bank loan appearing twice after a systems migration
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Regent Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Regent Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Regent Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Regent Bank questions, answered
Is Regent Bank FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 4160. That record lists Regent Bank as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Tulsa, OK, chartered January 1, 1898, with $2.24 billion in assets across 7 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Regent Bank, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, Regent Bank answers primarily to the FDIC and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against Regent Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Regent Bank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can a Regent Bank charge-off stay on my credit report?
About seven years from the original date of first delinquency on the Regent Bank loan. Neither a charge-off entry nor a later sale to a collector resets it. If the Regent Bank tradeline shows a delinquency date later than your own records support, that is re-aging and it is disputable on its own.
What is the difference between disputing with Regent Bank and disputing with a collector?
It comes down to who holds the paperwork. Regent Bank has the signed application and the full payment ledger; an assignee typically received a summary file. A §623 dispute to Regent Bank therefore reaches the only party able to verify the detail from source.
Does Regent Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so a 7-office bank may report to one, two or all three bureaus. Pull all three reports before assuming Regent Bank made an error — a balance that differs by cycle is normal, while a status or delinquency-date difference is worth a dispute.
Regent Bank was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Regent Bank migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors.
Can I dispute Regent Bank reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to Regent Bank naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on Regent Bank reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter from the 1800s was kept on paper ledgers for most of its life, and the eventual migration to electronic reporting is a frequent source of date errors, pull your own statements and check the Regent Bank entry field by field. One documented error beats a broad removal request every time.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Regent Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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