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OFI is the state agency responsible for chartering, licensing and registering various financial institutions, securities firms and professionals operating in Kentucky. Office of Financial Institutions, Consumer, Industry, Information, Legal Resources, About OFI, Jewell Robbins, Motion for Contempt, HUD-exempt mortgage questions, file a complaint, search for an entity, subprime mortgage lending Search for an Entity
search for an entity, mortgage brokers and companies, mortgage exempt, mortgage individuals, consumer and industrial loan companies, check cashers, money transmitters, securities-related entity or person, investment advisor, representative, security, state-regulated banks, trust companies, bank holding companies, state credit unions
File a Complaint - Financial Institutions
File a complaint against a financial institution, consumer complaint investigator, banks, credit unions, trusts, thrifts, mortgage, lender, consumer loan, industrial loan, payday lender, check casher, problem, complete the form
File a Complaint - Securities
File a complaint against a securities individual or offering by downloading the form and/or contacting OFI, Kentucky Securities Act, violations, investigation
Statutes and Regulations
Kentucky Revised Statutes and Kentucky Administrative Regulations for financial institutions, regarding Banking, Credit Unions, Consumer, Industrial, Loan, Securities, Kentucky Financial Services Code, business exceptions, authority to issue credit cards
Contact OFI
Use this form to contact OFI with questions or suggestions for Web improvement.
Overview
Information and resources for Kentucky consumers in their interaction with the financial services industry, OFI, assist consumers
Consumer Alerts
Consumer Alerts, nontraditional mortgage loans, recasts, adjustable rate mortgage, ARM, Community Reinvestment Act program, homeowners, counterfeit checks
Consumer Information and Links
Consumer Information - Links to Web sites that offer information on financial topics. General consumer protection, awareness, personal finance, mortgage, real estate, savings, investing, disaster preparedness, retirement planning, interactive games
Educational Outreach
The Kentucky Office of Financial Institutions (OFI) is working to expand its investor/consumer education program to provide consumers with free practical education materials and free financial workshops, financial literacy, investor education, free curriculums for teachers, workshops, educators, saving and investing, credit card finance, lending, budgeting, borrowing, lending, investors, senior citizens, fraud bingo
OFI Publications
OFI Publications, Money, Banks, Securities, Consumer, Education, Office of Financial Institutions, annual report, investments, investors, debit vs. credit, predatory lending, choosing a stockbroker, investment advice, phishing, employment and career opportunities, what is the office of financial education
Request a Speaker
The Office of Financial Institutions (OFI) has staff members who will speak about financial topics on request. Presentations about the financial institutions industries OFI regulates, about our agency, classroom speakers, investing, saving, budgeting, lending, credit cards, financial fraud and other personal finance issues, schedule a guest speaker, adult workshops, financial literacy, fraud prevention, free materials
LifeSmarts
The LifeSmarts program is designed to complement school curriculums and help develop consumer life skills for teens. Consumer challenge, develop consumer life skills for teens, National Consumers League
April is Financial Literacy Month
For the past three years, the governor of Kentucky has declared April to be Financial Literacy Month. Kentucky Jump$tart petitions to have each April dedicated to financial literacy
OFI v. Robbins
Information on OFI's case against Jewell Robbins. Jewell Robbins, Burgin, Alvina, William R. Meadows, James Meaders, estate, court injunction, unregistered, securities, sales and assignments, Spindletop oil strike in Texas, Swindletop, fractional interests, interests in litigation
Campaign for Wise and Safe Investing
Campaign for Wise and Safe Investing, Senior Scam Jam, investment fraud, mail fraud, home repair fraud, predatory lending, identity theft, avoid scam artists, AARP, OFI, Attorney General, Investor Protection Trust, Better Business Bureau, US Postal Inspection Service
Overview
Information and resources for the financial services industry in Kentucky, OFI, assist the financial services industry, download forms to license an entity or register an individual, search to see if someone is registered, or find out about educational courses offered, resources
Depository Financial Institutions - How to Branch, Merge and Charter
Depository Financial Institutions - How to Branch, Merge and Charter, open a new branch, start a new charter, banks, credit unions, trust companies, bank holding companies, state-chartered, state-regulated, merger, field of membership expansion, bank directors oath, bylaws, out-of-state branch, manual of exam policies
Nondepository Financial Institutions (Compliance) - How to Register
How to Register Entities and Individuals to Sell Nondepository Products in Kentucky, compliance, applications, license, registration, forms, Mortgage Brokers and Companies, Mortgage Exempt, Mortgage Individuals, Consumer and Industrial Loan Companies,Check Cashers, Money Transmitters
Mortgage Education Providers
Mortgage Education Courses
Approved continuing education courses for individual loan brokers and loan officers and 30-hour courses required to license a mortgage entity, classroom requirements, KRS 286.8-255 and 286.8-260, KRS 360.100, registered mortgage loan brokers and loan officers, 30-hour courses, license a mortgage entity, become an education provider
Securities Offerings - How to Register
How to register securites for sale in Kentucky, issuers must file a registration statement, claim of exemption or notice filing for a securities offering, including mutual fund filings, Reg D 504, Reg D 505, Reg D 506, unit investment trust, nonprofit securities exemption, employee benefits plan, stock option incentive plan
Securities Firms and Individuals - How to Register
How to register to sell securities in Kentucky, Securities, how to register, broker-dealers, agents, issuers, investment advisers, investment adviser representatives, investment adviser, advisor, advisors
Records Retention Schedule
records retention schedule, how long financial institutions are required to keep records on file, banks, credit unions, check cashers, consumer loan companies, money transmitters, mortgage lenders and brokers, securities
Industry Resources
These resources are free for the use of entities the Office of Financial Institutions (OFI) regulates. Brochures, downloads, phishing
Newsletter
Quarterly newsletter issued by the Office of Financial Institutions, e-mail to be on distribution list
Mortgage Law Changes
Mortgage law changes, House Bill 552, HB552, passed in the 2008 General Assembly session, sponsored by Rep. Tommy Thompson, makes changes to statute, KRS 286.8, licensing, registration, exemption, mortgage brokers, individuals, processors, originators, loan officers
NMLS Kentucky Overview
Nationwide Mortgage Licensing System Kentucky Overview, description, link, instructions, directions, mortgage companies, mortgage entities, mortgage individuals, mortgage originators, loan officers
 Legal Resources
Enforcement actions, advisory opinions and proposed administrative regulations Overview
The Kentucky Office of Financial Institutions (OFI) has the assistance of the Office of Legal Services, which provides a general counsel and a staff of five knowledgeable attorneys. The attorneys represent the agency in all litigation and enforcement actions.
Bank and Trust Enforcement Actions
Kentucky Revised Statutes and Administrative Regulations regarding Banking, Kentucky Revised Statutes and Administrative Regulations for financial institutions
About OFI
History, annual reports and employment opportunities
Organization of OFI
OFI is currently organized into two divisions and two branches: the Division of Financial Institutions, the Division of Securities, the Administrative Services Branch and the Information Technology Branch. These fall under the supervision of the Office of the Executive Director.
Annual Reports
The annual reports of the Kentucky Office of Financial Institutions contain statistical and historical information pertaining to the financial services industry regulated by the agency
Overview
OFI is the state agency responsible for chartering, licensing and registering various financial institutions, securities firms and professionals operating in Kentucky. Financial Institutions Division, Securities Division, chartering, licensing, securities, compliance, enforcement, who we regulate
History
History of OFI, Kentucky Office of Financial Institutions, Banking Act of 1912, Department of Banking, Department of Banking and Securities, Department of Financial Institutions, regulates banks, trust companies, savings banks, state-chartered savings [building] and loan associations, state-chartered credit unions, securities, consumer and industrial loan companies, money order sellers, mortgage loan companies and brokers, check-cashing companies
Employment Opportunities
OFI is always looking for talented, qualified individuals who are interested in working in a public agency whose mission is to serve the public and the financial services industries it regulates. Bachelor’s degree in accounting, finance, business administration, public administration, economics, computer science, experience in the financial services or regulatory industry is required for most positions in OFI
About the Executive Director
Cordell Lawrence was appointed by Governor Ernie Fletcher to serve as the executive director of the Office of Financial Institutions (OFI) effective Sept. 16, 2005. The executive director of OFI has responsibility for the regulatory oversight of all state-chartered banks and financial institutions.
Directions to OFI
OFI's central office is located at 1025 Capital Center Drive, Suite 200, in Frankfort and is easy to find.
About the Board
By statute it is recommended that the Financial Institutions Board consist of representatives from all segments of Kentucky’s financial industry and the public-at-large.
Newsroom
Press releases for the Kentucky Office of Financial Institutions.
2006-2007 Releases
Press releases issued by the Office of Financial Institutions. Mortgage guidance, MU forms, oil and gas scams, Jewell Robbins, Jewel Robbins Burgin, Jupiter Energy LLC, Basin Oil and Gas, Earth Day, Senior Specialists, investor, traps, loan scams, advance fee schemes, mortgage payment, adjustable rate mortgage, ARM, recast, accreditation
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