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Public Protection Cabinet

About DFI

The Kentucky Department of Financial Institutions (DFI) is proud to be a part of the Public Protection Cabinet. 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. The industries and individuals for which DFI has oversight include:
  • State-chartered banks
  • Trust companies
  • State-chartered credit unions
  • Savings and loan associations
  • Consumer loan companies
  • Industrial loan companies
  • Mortgage loan companies
  • Mortgage loan brokers
  • Mortgage individuals (loan originators and processors)
  • Check cashers/deferred deposit companies
  • Title pledge lenders
  • Sellers of money orders
  • Money transmitters
  • State-licensed or registered securities
  • Broker-dealers and agents
  • Investment advisers and investment adviser representatives
  • Issuer agents

It is the mission of DFI 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.

In order to accomplish its mission, DFI conducts examinations on state-regulated financial institutions 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.

Organization of DFI

DFI is currently organized into three divisions and one branch: the Division of Depository Institutions, the Division of Nondepository Institutions, the Division of Securities, the Application and Administrative Support Branch. These fall under the supervision of the Office of the Commissioner.

DFI Organizational Structure
  

 

 DFI Management

 
Division/Branch
Manager
Phone

 

In addition to the commissioner and his deputy, the Office of the Commissioner also houses the Office of General Counsel, which handles the agency's legal affairs.

502-573-3390 x227​

502-573-3390 x246

502-573-3390 x233

The Division of Depository Institutions, which is further organized into two industry-specific branches: Banks and Credit Unions, is responsible for chartering, examining and otherwise supervising the operations of state-chartered or licensed depository financial institutions. 

502-573-3390 x​246

 The Division of Nondepository Institutions -- which is further organized into four branches: Mortgage Examination Branch, Non-Mortgage Examination Branch, Licensing Branch and Consumer Protection Branch -- is responsible for licensing, registering, examining and otherwise supervising the operations of state-regulated nondepository financial institutions and individuals.

502-573-3390 x246​

The Division of Securities is responsible for the regulation of the state's securities industry by registering, licensing, examining, investigating alleged securities law violations and providing oversight to securities firms and professionals operating in Kentucky or involving Kentucky investors. The division is organized into three branches: Compliance, Enforcement and Licensing and Registration. The Prosecution Assistance Unit assists with securities cases referred to state and federal prosecutors for criminal prosecution.
 

502-573-3390 x280​

 

The Application and Administrative Support Branch is responsible for providing administrative support services to the entire staff.

502-573-3390 x269​