The Division of Finance is committed to protecting consumers by licensing and regulating non-depository financial service industries and individuals. The Division conducts examinations and complaint investigations for entities licensed to conduct mortgage loan and lending activity, consumer and retail sales, title loans, collection agencies, funds transmitters, payment instrument sales, check cashing, foreign currency exchange and payday lending.
Bureau of Regulatory Review: processes 19 license types and ensures that only individuals and businesses that meet the requirements in Florida law are allowed to conduct business in Florida.
Bureau of Finance Regulation: conducts examinations of licensees which conduct mortgage loan and lending activity, consumer and retail sales, title loans and debt collection.
Bureau of Money Transmitter Regulation: conducts examinations of licensees which conduct funds transmitting, payment instrument sales, check cashing, foreign currency exchange and payday lending.
Division Key Personnel
Division Organizational Chart
850-Its-Your-Money (850-487-9687), Option 1
Tel: (850) 410-9805
Fax: (850) 410-9914
Fax: (850) 410-9300
Tel: (850) 410-9895
Fax: (850) 410-9882
The Division of Finance administers the following Florida Statutes and Administrative Rules:
Chapter 494: Loan Originators and Mortgage Brokers
Chapter 516: Consumer Finance Act
Chapter 520: Retail Installment Sales
Chapter 537: Title Loan Companies
Chapter 559-Part V: Commercial Collection Practices
Chapter 559-Part VI: Consumer Collection Practices
Chapter 560: Money Services Businesses
69V-40, Mortgage Brokerage
69V-45, Title Loan Companies
69V-50, Motor Vehicles Sales Finance
69V-60, Retail Installment Sales
69V-70, Sales Finance
69V-80, Home Improvement Sales and Finance
69V-85, Retail Installments Sales Act - General Rules
69V-160, Florida Consumer Finance Act
69V-180, Collection Agencies
69V-560, Money Transmitters