Banks and Trusts
KRS 286.1 Department of Financial InstitutionsKRS 286.2 Financial Institutions GenerallyKRS 286.3 Banks and Trust CompaniesKRS 360 Interest and Usury808 KAR 1:020 Excess Funds Transaction808 KAR 1:050 Retention of Records808 KAR 1:060 Automated Teller Machines808 KAR 1:080 Investments in Bank Service Corporations by State-Chartered Banks808 KAR 1:090 Stay of Notice of Intention to Remove from Office808 KAR 1:100 Information to be Furnished and Maintained by Banks808 KAR 1:110 Investment of Bank Funds808 KAR 1:120 Loans Secured by Government Obligations808 KAR 1:130 Loan Production Offices808 KAR 1:140 Bank Annual Assessment Fee808 KAR 1:150 Establishment and Relocation of Bank Branches or OfficesEnforcement ActionsBank Forms and InstructionsTrust Forms and Instructions
KRS 286.6 Credit Unions808 KAR 3 Credit UnionsEnforcement ActionsForms and Instructions
Consumer and Industrial Loans
KRS 286.4 Consumer Loan Companies808 KAR 6 Consumer LoanKRS 286.7 Industrial Loan Corporations808 KAR 5 Industrial LoanOther Business ExceptionsKRS 286.4-470(1)Authority to Issue Credit Cards Citifinancial [PDF 49.5KB]Authority to Issue Credit Cards HSBC [PDF 65.5KB] Authority to Issue Credit Cards Wells Fargo [PDF 41.4KB]Enforcement ActionsForms and Instructions
KRS 286.8 Mortgage Loan Companies and Brokers808 KAR 12 Mortgage Loan
NOTE: The following documents highlight major changes as a result of house bills. Changes in the bills are now incorporated into the current statutes and regulations linked above.
Mortgage Law Changes - HB 106 of 2009 [DOC 56KB]
Mortgage Law Changes - HB 552 of 2008 [DOC 193KB]Enforcement ActionsForms and Instructions
KRS 286.11 Kentucky Money Transmitters
Enforcement ActionsForms and Instructions
Check Cashing and Deferred Deposit
KRS 286.9 Deferred Deposit Service Business and Check CashersKRS 286.10 Title Pledge Lending808 KAR 9 Check CashingEnforcement ActionsForms and Instructions
KRS 292 Securities Act of Kentucky808 KAR 10 Securities RegulationsDeMinimis Rules [PDF 36KB]Enforcement ActionsBroker-Dealer and Agent Forms and InstructionsInvestment Adviser and Representative Forms and InstructionsIssuer Agent Forms and InstructionsExemptions and Registrations
Orders of the Commissioner may further clarify statutes or regulations.
Other advisory opinions, orders and notices can be found on the Advisory Opinions page.
Orders pertaining to enforcement or disciplinary action can be found on the Enforcement Actions pages linked in the sections above.