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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

11/15/2018Investor Advisory on Promissory Notes

As part of International Fraud Awareness Week, the Kentucky Department of Financial Institutions (DFI) is warning investors about the risks associated with investments in promissory notes. Read the Promissory Notes-KY Advisory.pdfPromissory Notes-KY Advisory.pdf, the Promissory Notes Infographic -KY.jpgPromissory Notes Infographic -KY.jpg, and the press release to keep informed.

7/11/20182017 Annual Report

DFI has released its 2017 Annual Report. The DFI annual report contains statistical and historical information regarding the financial services industry in Kentucky.​

3/23/2018Investor Alert on Unicorns

​Today DFI issued an investor alert on Financial "Unicorns." Read about it at

12/15/2017NCUA Conserves Louisville Credit Union

​Today, the Louisville Metro Police Officers Credit Union was placed into conservatorship by the National Credit Union Administration in cooperation with the Kentucky Department of Financial Institutions.  Members are being notified of the conservatorship, and credit union services will continue without interruption. Member accounts remain insured by the National Credit Union Share Insurance Fund which insures individual accounts up to $250,000. For more information, visit

8/18/2017Eclipse Tips

DFI has issued consumer financial safety tips for travelers headed to western Kentucky for the solar eclipse. For more information about the eclipse, visit


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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.