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.