Consumer Installment Loan Regulations - State
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1 Alabama Yes State of Alabama Banking Department Code et seq _licensing.htm Alaska Yes Department of Commerce, Community and Economic Development, Consumer Finance Section of the Division of Banking and Securities Alaska Statutes sumer.html Arizona Yes Department of Financial Institutions Arizona Code, Title 6, Chapter 5, Article 1 Arkansas Not at this time Arkansas Attorney General California Yes Department of Corporations Amendment 89 of the Arkansas Constitution California Financial Code, Division 9, Section Colorado Yes Uniform Consumer Credit Code et seq epartments/consumer_protection/uccc_ca b/uccc Connecticut Yes Department of Banking, Consumer Credit Division Connecticut General Statutes &q= Delaware Yes DC Yes Office of the State Bank Commissioner Department of Insurance, Securities and Banking Florida Yes Office of Financial Regulation Georgia Yes Hawaii Depends Office of Commissioner of Insurance for loans under $3,000 FTC for loans over $3K per TILA Department of Commerce & Consumer Affairs, Division of Financial Institutions 5 Del. C Florida Statutes, Title XXXIII, Chapter 516 OCGA Title 7 Chapter 3 ondepsearch.shtml ,disrNav,%7C32821%7C,.asp x , _ ,00.html 480F-1
2 Idaho Yes Department of Finance, Consumer Finance Bureau ConsumerCredit.aspx Illinois Yes Division of Financial Institutions, Consumer Credit Section 815 ILCS 122/1-1 et seq p Indiana Yes Department of Financial Institutions Iowa Yes Division of Banking 533D.1 Kansas Yes Office of the State Bank Commissioner, Consumer and Mortgage Lending Division Kentucky Yes Department of Financial Institutions KRS a aspx Louisiana Yes Office of Financial Regulation RS 9: Maine Yes Bureau of Consumer Credit Protection Title 9a section 401 (9-A Me.Rev.Stat.Ann ) index.shtml Maryland Yes Office of the Commissioner of Financial Regulation Code Ann y/consumerlend.shtml Massachusetts Yes Division of Banks 209 CMR 26.00: Loans Regulatory Board ca-agencies/dob-lp/
3 Michigan Yes Office of Financial and Insurance Regulation Department of Licensing and Regulatory affairs office of financial and insurance regulation Minnesota Yes Minnesota Commerce Department Mississippi Yes Department of Banking and Consumer Finance Mississippi Code SEC Missouri Yes Consumer Credit, Division of Finance Montana Yes Department of Administration, Division of Banking and Financial Institutions Nebraska Yes Department of Banking and Finance Chapter 45 Nevada Yes Financial Institutions Division, Department of Business and Industry New Hampshire Yes Banking Department Title 36, Chapter New Jersey Yes Division of Banking and Insurance, Division of Banking No Specific Payday Lending Statues and/or require Lenders to Comply With Interest Rate Caps on Consumer Loans mers/finance/financialinstitutions.htm New Mexico Yes Financial Institutions Division NMCPR Title 12 New York Yes Department of Financial Services New York Banking Law Article 9 umers.htm North Carolina Yes Office of the Commissioner of Banks Chapter 53 Article 15 utions/cf/cfmain.aspx North Dakota No Department of Financial Institutions Ohio Yes Department of Commerce, Division of Financial Institutions a/html/..%5cpdf%5c pdf
4 Oklahoma Yes Department of Consumer Credit Title 14-A Oregon Yes Pennsylvania Yes Department of Consumer and Business Services, Division of Finance and Corporate Securities Department of Banking; Bureau of Licensing, Compliance and Investigation Oregon Revised Statutes, Ch. 725 P.L. 262, No _finance.html _discount_2_5/ Rhode Island Yes Division of Banking South Carolina Yes if the loan exceeds 12% APR Department of Consumer Affairs Title 34, Chapter 29 t_sales.htm South Dakota No Not Regulated N/A Tennessee No Not Regulated N/A Texas Yes Office of Consumer Credit Commissioner Title 4B, Chapter 342A ex.html /Index1.html Utah Yes Department of Financial Institutions Utah Code Title 70C, Chapter 2, Section Vermont Yes Department of Banking, Insurance, Securities and Health Care Administration; Division of Banking Title 8, Chapter 85 king-division Virginia Yes State Corporation Commission; Bureau of Financial Institutions Section Washington Yes Division of Consumer Services Chapter WAC
5 West Virginia Yes Division of Banking 46A Wisconsin Yes Department of Financial Institutions; Division of Banking Wyoming Yes if the loan exceeds 10% APR Wyoming Division of Banking
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