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Public Protection Cabinet


The Kentucky Department of Financial Institutions (DFI) is the state agency responsible for the supervision of the financial services industry and for chartering, licensing and registering various financial institutions, securities firms and professionals operating in Kentucky. In order to accomplish its mission, DFI conducts examinations on state-regulated financial industries through its Division of Depository Institutions, Division of Nondepository Institutions and Division of Securities.
DFI also provides educational materials and outreach to protect consumers from financial fraud. DFI assists the industry and public through the investigation of complaints filed with the office. If you have a question or need to file a complaint, DFI is here to help.
Everything you need on this site can be found using the yellow ribbon across the top of the page. In particular:

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 Breaking News

11/7/2019We’re Moving!

On Nov. 25, the Department of Financial Institutions (DFI) is moving to the newly constructed Mayo-Underwood state office building. DFI will return calls placed on the move date within 24 hours.

Beginning Nov. 25, the new address is:

Department of Financial Institutions
Mayo-Underwood Building
500 Mero Street, 2SW19
Frankfort, KY 40601​

10/25/2019Kentucky’s Department of Financial Institutions Protects Louisa Bank Customers

Commissioner Charles A. Vice of the Department of Financial Institutions (DFI) took possession of Louisa Community Bank, a state-chartered commercial bank headquartered in Louisa, Kentucky, and a member of the Federal Deposit Insurance Corporation (FDIC). Commissioner Vice appointed the FDIC as receiver, and FDIC immediately entered into a purchase and assumption agreement with Kentucky Farmers Bank, Catlettsburg, KY, to assume all Louisa Community Bank deposits.​ Louisa Community Bank_Press Release_Final.pdfLouisa Community Bank_Press Release_Final.pdf

7/3/2019DFI will host Town Hall meeting

DFI is coordinating a Town Hall meeting​ for consumer loan and deferred presentment licensees.

To register for a town hall meeting, visit​.

6/27/2019Robo-Advisers Advisory

​​Today DFI issued an investor alert on Robo-Advisers. Read about it at

5/23/2019DFI Offers FREE Workshop

​​​DFI and the Consumer Financial Protection Bureau (CFPB) Office for Older Americans are partnering to offer a free community workshop to raise awareness and help prevent financial exploitation of older adults.

Are you interested in raising awareness to help prevent financial exploitation of older adults? Join us for a free community workshop on June 14, 2019 from 10-11am at the Paul Sawyier Public Library in downtown Frankfort to receive training on best practices for effective presentations to older adults and family caregivers. ​Register Here!


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Mission Statement
DFI's mission is to serve Kentucky residents and protect their financial interests by maintaining a stable financial industry, continuing effective and efficient regulatory oversight, promoting consumer confidence and encouraging economic opportunities.
Putting the Mission to Work   
In fulfilling its mission, DFI is dedicated to serving the suppliers, as well as the users, of financial services and to assuring a stable market which brings the two together.
DFI also works to promote economic growth through increased capital, whether by initial capitalization of private investors or retained earnings, and by flexible policies, laws and regulations that provide for competition within the industries.
Primarily through the examination process, DFI determines if Kentucky's state-regulated financial institutions and securities entities are exercising safe and sound practices and/or complying with applicable laws and regulations. Depository institutions are evaluated in the areas of management, quality of assets, capital adequacy, earnings and liquidity and are checked for compliance with laws and regulations. Securities entity and non-depository institution examinations are focused primarily on regulatory compliance and consumer protection issues.
DFI's long and continuing tradition of public service is supported and sustained by a highly skilled and diverse workforce that responds rapidly to changes in the financial environment.