State-Specific Guidelines
ALABAMA - FLORIDA
Alabama (AL)
Primary Agency: State Banking Department of Alabama
Alaska (AK)
Primary Agency: Department of Commerce, Community, and Economic Development - Division of Banking and Securities
Arizona (AZ)
Primary Agency: Department of Insurance and Financial Institutions
Arkansas (AR)
Primary Agency: Arkansas Securities Department
California (CA)
Primary Agency: Department of Financial Protection and Innovation
Colorado (CO)
Primary Agency: Department of Regulatory Agencies - Division of Real Estate
Connecticut (CT)
Primary Agency: State of Connecticut Department of Banking
Delaware (DE)
Primary Agency: Office of the State Bank Commissioner
District of Columbia (DC)
Primary Agency: Department of Insurance, Securities and Banking
Florida (FL)
Primary Agency: Office of Financial Regulation
GEORGIA - MONTANA
Georgia (GA)
Primary Agency: Department of Banking and Finance
Hawaii (HI)
Primary Agency: Department of Commerce and Consumer Affairs - Division of Financial Institutions
Idaho (ID)
Primary Agency: Idaho Department of Finance
Illinois (IL)
Primary Agency: Department of Financial and Professional Regulation
Indiana (IN)
Primary Agency: Department of Financial Institutions
Iowa (IA)
Primary Agency: Iowa Division of Banking
Kansas (KS)
Primary Agency: State Bank Commissioner of Kansas
Kentucky (KY)
Primary Agency: Department of Financial Institutions
Louisiana (LA)
Primary Agency: Louisiana Office of Financial Institutions
Maine (ME)
Primary Agency: Consumer Credit Protection
Maryland (MD)
Primary Agency: Office of Financial Regulation
Massachusetts (MA)
Primary Agency: Division of Banks (DOB)
Michigan (MI)
Primary Agency: Department of Insurance and Financial Services
Minnesota (MN)
Primary Agency: Department of Commerce
Mississippi (MS)
Primary Agency: Department of Banking and Consumer Finance
Missouri (MO)
Primary Agency: Division of Finance
Montana (MT)
Primary Agency: Division of Banking and Financial Institutions
Nebraska (NE)
Primary Agency: Department of Banking and Finance
Nevada (NV)
Primary Agency: Mortgage Lending Division
New Hampshire (NH)
Primary Agency: New Hampshire Banking Department
New Jersey (NJ)
Primary Agency: Department of Banking and Insurance
New Mexico (NM)
Primary Agency: Regulation and Licensing Department - Financial Institutions Division Agency Home Page — https://www.rld.nm.gov/financial-institutions/
Updates, News & Bulletins — https://www.rld.nm.gov/financial-institutions/news/
Statutes & Regulations — https://www.rld.nm.gov/financial-institutions/statutes-rules-and-regulations/
Rulemaking / Proposed Rules — https://www.rld.nm.gov/financial-institutions/statutes-rules-and-regulations/
Enforcement / Orders — https://www.rld.nm.gov/financial-institutions/enforcement-actions/
New York (NY)
Primary Agency: Department of Financial Services Agency Home Page — https://www.dfs.ny.gov/
Updates, News & Bulletins — https://www.dfs.ny.gov/industry_guidance/industry_letters
Statutes & Regulations — https://www.dfs.ny.gov/industry_guidance/regulations
Rulemaking / Proposed Rules — https://www.dfs.ny.gov/industry_guidance/proposed_regulations
Enforcement / Orders — https://www.dfs.ny.gov/industry_guidance/enforcement_actions_mortgage
North Carolina (NC)
Primary Agency: Office of the Commissioner of Banks Agency Home Page — https://www.nccob.gov/
Updates, News & Bulletins — https://www.nccob.gov/newsroom
Statutes & Regulations — https://www.nccob.gov/publications/laws-rules
Rulemaking / Proposed Rules — https://www.nccob.gov/publications/rulemaking
Enforcement / Orders — https://www.nccob.gov/publications/orders
North Dakota (ND)
Primary Agency: Department of Financial Institutions Agency Home Page — https://www.nd.gov/dfi/
Updates, News & Bulletins — https://www.nd.gov/dfi/news
Statutes & Regulations — https://www.nd.gov/dfi/laws-regulations
Rulemaking / Proposed Rules — https://www.nd.gov/dfi/laws-regulations
Enforcement / Orders — https://www.nd.gov/dfi/orders
Ohio (OH)
Primary Agency: Department of Commerce - Division of Financial Institutions Agency Home Page — https://com.ohio.gov/divisions-and-programs/financial-institutions
Updates, News & Bulletins — https://com.ohio.gov/about-us/media-center/news
Statutes & Regulations — https://com.ohio.gov/divisions-and-programs/financial-institutions/resources/laws-and-rules
Rulemaking / Proposed Rules — https://com.ohio.gov/divisions-and-programs/financial-institutions/resources/rule-review
Enforcement / Orders — https://com.ohio.gov/divisions-and-programs/financial-institutions/enforcement-actions
Oklahoma (OK)
Primary Agency: Department of Consumer Credit Agency Home Page — https://oklahoma.gov/okdocc.html
Updates, News & Bulletins — https://oklahoma.gov/okdocc/news.html
Statutes & Regulations — https://oklahoma.gov/okdocc/laws-and-rules.html
Rulemaking / Proposed Rules — https://oklahoma.gov/okdocc/laws-and-rules.html
Enforcement / Orders — https://oklahoma.gov/okdocc/enforcement-actions.html
Oregon (OR)
Primary Agency: Division of Financial Regulation Agency Home Page — https://dfr.oregon.gov/
Updates, News & Bulletins — https://dfr.oregon.gov/news/Pages/index.aspx
Statutes & Regulations — https://dfr.oregon.gov/laws-rules/Pages/index.aspx
Rulemaking / Proposed Rules — https://dfr.oregon.gov/laws-rules/Pages/proposed-rules.aspx
Enforcement / Orders — https://dfr.oregon.gov/help/Pages/enforcement-actions.aspx
Pennsylvania (PA)
Primary Agency: Department of Banking and Securities Agency Home Page — https://www.pa.gov/agencies/dobs.html
Updates, News & Bulletins — https://www.pa.gov/agencies/dobs/newsroom.htmlStatutes & Regulations — https://www.pa.gov/agencies/dobs/resources/statutes-regulations.htmlRulemaking / Proposed Rules — https://www.pa.gov/agencies/dobs/resources/proposed-regulations.htmlEnforcement / Orders — https://www.pa.gov/agencies/dobs/enforcement-orders.html
Rhode Island (RI)
Primary Agency: Department of Business Regulation - Banking Division Agency Home Page — https://dbr.ri.gov/
Updates, News & Bulletins — https://dbr.ri.gov/news
Statutes & Regulations — https://dbr.ri.gov/banking-securities/banking/laws-rules-regulations
Rulemaking / Proposed Rules — https://dbr.ri.gov/banking-securities/banking/laws-rules-regulations
Enforcement / Orders — https://dbr.ri.gov/banking-securities/enforcement-actions
South Carolina (SC)
Primary Agency: Board of Financial Institutions - Consumer Finance Division Agency Home Page — https://consumerfinance.sc.gov/
Updates, News & Bulletins — https://consumerfinance.sc.gov/news
Statutes & Regulations — https://consumerfinance.sc.gov/laws-regulations
Rulemaking / Proposed Rules — https://consumerfinance.sc.gov/laws-regulations
Enforcement / Orders — https://consumerfinance.sc.gov/enforcement-actions
South Dakota (SD)
Primary Agency: Division of Banking Agency Home Page — https://dlr.sd.gov/banking/
Updates, News & Bulletins — https://dlr.sd.gov/banking/news.aspx
Statutes & Regulations — https://dlr.sd.gov/banking/legal.aspx
Rulemaking / Proposed Rules — https://dlr.sd.gov/banking/legal.aspx
Enforcement / Orders — https://dlr.sd.gov/banking/enforcement.aspx
NEBRASKA - SOUTH DAKOTA
TENNESSEE - WYOMING
Tennessee (TN)
Primary Agency: Department of Financial Institutions Agency Home Page — https://www.tn.gov/tdfi.html
Updates, News & Bulletins — https://www.tn.gov/tdfi/news.html
Statutes & Regulations — https://www.tn.gov/tdfi/laws-and-regulations.html
Rulemaking / Proposed Rules — https://www.tn.gov/tdfi/laws-and-regulations.html
Enforcement / Orders — https://www.tn.gov/tdfi/regulated-institutions/enforcement-actions.html
Texas (TX)
Primary Agency: Department of Savings and Mortgage Lending Agency Home Page — https://www.sml.texas.gov/
Updates, News & Bulletins — https://www.sml.texas.gov/news/
Statutes & Regulations — https://www.sml.texas.gov/regulatory-information/
Rulemaking / Proposed Rules — https://www.sml.texas.gov/rulemaking/
Enforcement / Orders — https://www.sml.texas.gov/consumers/enforcement/
Utah (UT)
Primary Agency: Division of Real Estate Agency Home Page — https://realestate.utah.gov/
Updates, News & Bulletins — https://realestate.utah.gov/news/
Statutes & Regulations — https://realestate.utah.gov/mortgage/
Rulemaking / Proposed Rules — https://realestate.utah.gov/rules/
Enforcement / Orders — https://realestate.utah.gov/disciplinary-actions/
Vermont (VT)
Primary Agency: Department of Financial Regulation Agency Home Page — https://dfr.vermont.gov/
Updates, News & Bulletins — https://dfr.vermont.gov/news
Statutes & Regulations — https://dfr.vermont.gov/laws-rules
Rulemaking / Proposed Rules — https://dfr.vermont.gov/laws-rules/proposed-rules
Enforcement / Orders — https://dfr.vermont.gov/enforcement-actions
Virginia (VA)
Primary Agency: State Corporation Commission - Bureau of Financial Institutions Agency Home Page — https://www.scc.virginia.gov/pages/Bureau-of-Financial-Institutions
Updates, News & Bulletins — https://www.scc.virginia.gov/pages/Financial-Institutions-Announcements
Statutes & Regulations — https://www.scc.virginia.gov/pages/Financial-Institutions-Laws-Regulations
Rulemaking / Proposed Rules — https://www.scc.virginia.gov/pages/Financial-Institutions-Laws-Regulations
Enforcement / Orders — https://www.scc.virginia.gov/pages/Financial-Institutions-Enforcement-Actions
Washington (WA)
Primary Agency: Department of Financial Institutions Agency Home Page — https://dfi.wa.gov/
Updates, News & Bulletins — https://dfi.wa.gov/news
Statutes & Regulations — https://dfi.wa.gov/rules
Rulemaking / Proposed Rules — https://dfi.wa.gov/rules/rulemaking
Enforcement / Orders — https://dfi.wa.gov/enforcement-actions
West Virginia (WV)
Primary Agency: Division of Financial Institutions Agency Home Page — https://dfi.wv.gov/
Updates, News & Bulletins — https://dfi.wv.gov/news/Pages/default.aspx
Statutes & Regulations — https://dfi.wv.gov/laws/Pages/default.aspx
Rulemaking / Proposed Rules — https://dfi.wv.gov/laws/Pages/default.aspx
Enforcement / Orders — https://dfi.wv.gov/orders/Pages/default.aspx
Wisconsin (WI)
Primary Agency: Department of Financial Institutions Agency Home Page — https://www.wdfi.org/
Updates, News & Bulletins — https://www.wdfi.org/newsroom/
Statutes & Regulations — https://www.wdfi.org/fi/mortbank/law/
Rulemaking / Proposed Rules — https://www.wdfi.org/fi/mortbank/rulemaking/
Enforcement / Orders — https://www.wdfi.org/fi/enforcement/
Wyoming (WY)
Primary Agency: Division of Banking Agency Home Page — https://wyomingbankingdivision.wyo.gov/
Updates, News & Bulletins — https://wyomingbankingdivision.wyo.gov/news
Statutes & Regulations — https://wyomingbankingdivision.wyo.gov/laws-and-rules
Rulemaking / Proposed Rules — https://wyomingbankingdivision.wyo.gov/laws-and-rules
Enforcement / Orders — https://wyomingbankingdivision.wyo.gov/enforcement-actions