The Office of Thrift Supervision is the primary regulator of all federally chartered and many state-chartered thrift institutions, which include savings banks and savings and loan associations. OTS was established as a bureau of the United States Department of the Treasury on August 9, 1989, and has four regional offices located in Jersey City, N.J., Atlanta, Dallas and San Francisco. OTS is funded by assessments and fees levied on the institutions that it regulates. It has business locations throughout the 50 United States and in the District of Columbia, Puerto Rico, the Virgin Islands, Guam and the Northern Mariana Islands.