View the regulated institutes of the Department of Commerce and Consumer Affairs of Hawaii.

Note: Check Cashers/Deferred Presentment Providers should display a notice and send a written agreement to the consumers while entering into agreement that clearly states the fees, the APR, places to find financial education. Moreover it should be mentioned there that Deferred Presentment transactions are not suitable for long-term borrowing and all the complaints regarding Deferred Presentment should be forwarded to the Department of Commerce and Consumer Affairs.

Lender/Check Casher/Deferred Presentment Provider cannot charge more than 15% of the face value of the check. Face value of the check, again, cannot exceed $ 600.00 and maximum loan term is 32 days.

Moreover, the total amount of transaction, i.e. Principal + Fees, should not cross 25% of the consumers’ gross income.

Note: Doing business with a person who already has a deferred deposit open from any source is not allowed. And no renewals are allowed here in Hawaii.

No criminal action can be taken; check casher can collect $20 fees for dishonored check. It’s not allowed to add excessive fees for legal or court costs.

All complaints and queries should be forwarded to Depart of Commerce & Consumer Affairs, Hawaii.