Payday Loan Licensing Contact Information by State
Please Please utilize these numbers!
If you have a pdl that is not licensed in your state, call your Licensing Regulation Department. They are there to help you, they will write letters, take phone calls and meet with you.
This is their job, and they work for YOU!
Many don't want to call for fear of legal issues, but that simply isn't true!
Please refer our new members and members being harrassed by payday lenders to this sticky...Thanks!
Quote:
Alabama: Regulator: Alabama Banking Department Address: P.O. Box 4600 Montgomery, AL 36103 Phone: (334) 242-3452 Fax: (334) 353-5961 Regulatory Contact: Arlene Baldwin,Consumer Services Speciali st, Bureau of Loans Alaska: Regulator: Alaska Division of Banking and Securities Address: P.O. Box 110807 Juneau, AK 99811 Phone: (888) 925-2521 Fax: (907) 465-2549 Regulatory Contact: Patrice Walsh, Financial Institution Examiner Arkansas: Regulator: Arkansas State Board of collection agencies Address: Division of Check-Cashing Companies, 523 Louisiana Street, Suite 460 Little Rock, AR 72201 Phone: (501) 371-1434 Fax: (501) 371-1440 Arizona: Regulator: Arizona Department of Financial Institutions Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix, AZ 85018 Phone: (800) 544-0708 Fax: (602) 381-1225 California: Regulator: California Department of Corporations Address: Financial Services Division, 1515 K Street, Suite 200 Sacramento, CA 95814 Phone: (866) 275-2677 Colorado: Regulator: Colorado Office of the Attorney General Address: Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver, CO 80203 Phone: (303) 866-4494 Fax: (303) 866-5691 Regulatory Contact: Laura Udis, Administrator Connecticut: Regulator: Connecticut Department of Banking Address: 260 Constitution Plaza Hartford, CT 06103 Phone: (860) 240-8299 Fax: (860) 240-8167 Regulatory Contact: Alan Cicchetti, Deputy Commissioner Delaware: Regulator: Delaware Office of the State Bank Commissioner Address: 555 E. Loockerman Street Suite 210 Dover, DE 19901 Phone: (302) 739-4235 Fax: (302) 739-3609 Regulatory Contact: Administrator, Non-Depository Institutions and Compliance Florida: Regulator: Florida Office of Financial Regulation Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9805 Fax: (850) 410-9748 Georgia: Pay Day Loans are illegal Regulator: Georgia Office of the Commissioner of Insurance Address: Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower, Suite 704 Atlanta, GA 30334 Phone: (404) 656-2070 Fax: (404) 657-8542 Regulatory Contact: Frank Ogletree, Director Hawaii: Regulator: Hawaii Department of Commerce and Consumer Affairs Address: Consumer Resource Center, 235 S. Beretania Street, Rm 801 Honolulu, HI 96813 Phone: (808) 587-3222 Fax: (808) 586-2640 Idaho: Regulator: Idaho Department of Finance Address: Consumer Credit Section, 700 West State Street, 2nd Floor Boise, ID 83702 Phone: (208) 332-8000 Fax: (208) 332-8099 Regulatory Contact: Mike Larsen, Consumer Finance Bureau Chief Illinois: Regulator: Illinois Division of Financial Institutions Address: Consumer Credit Section, 320 W. Washington Springfield, IL 62701 Phone: (888) 298-8089 Fax: Regulatory Contact: Phil Sanson, Acting Consumer Credit Assistant Supervisor Iowa: Regulator: Iowa Division of Banking Address: 200 East Grand Avenue, Suite 300 Des Moines, IA 50309 Phone: (515) 281-4014 Fax: (515) 281-4862 Regulatory Contact: Rodney Reed,, Finance Bureau Chief Indiana: Regulator: Indiana Department of Financial Institutions Address: 30 South Me ridian St reet, Suite 300 Indianapolis, IN 46204 Phone: (800) 382-4880 Fax: Regulatory Contact: Mark Tarpey,, Supervisor, Consumer Credit Kansas: Regulator: Office of the State Bank Commissioner Address: 700 SW Jackson, Suite 300 Topeka, KS 66603 Phone: (785) 296-2266 Fax: (785) 296-0168 Regulatory Contact: Kevin C. Glendening,, Deputy Commissioner, Division of Consumer and Mortgage Lending Kentucky: Regulator: Kentucky Office of Financial Institutions Address: 1025 Capital Center Drive, Suite 200 Frankfort, KY 40601 Phone: (800) 223-2579 Fax: (502) 573-8787 Regulatory Contact: Gary Davis, Branch Manager Louisiana: Regulator: Louisiana Office of Financial Institutions Address: P.O. Box 94095 Baton Rouge, LA 70804 Phone: (225) 925-4660 Fax: (225) 925-4548 Regulatory Contact: John J. Braud,, Deputy Chief Examiner Maine: Payday Loans are illegal - Permitted for Supervised Lenders Regulator: Maine Office of Consumer Credit Regulation Address: Department of Professional and Financial Regulation, 35 State House Station Augusta, ME 04333 Phone: (207) 624-8527 Fax: (207) 582-7699 Regulatory Contact: William N. Lund, Director Massachusetts: Illegal unless licensed Very tight laws on small loans Regulator: Massachusetts Division of Banks Address: One South Station Boston, MA 02110 Phone: (617) 956-1500 Fax: (617) 956-1599 Regulatory Contact: Kevin McNamara, Supervisor Maryland: Payday Loans are illegal Regulator: Maryland Commissioner of Financial Regulation Address: 500 North Calvert Street Suite 402 Baltimore, MD 21202 Phone: (410) 230-6100 Fax: (410) 333-3866 Regulatory Contact: Michael Jackson, Director, Regulatory Policy Michigan: Regulator: Michigan Office of Financial and Insurance Services Address: P.O. Box 30220 Lansing, MI 48909 Phone: (877) 999-6442 Fax: (517) 335-4978 Minnesota: Regulator: Minnesota Department of Commerce Address: Division of Financial Examinations, 85 7th Place East, Suite 500 St. Paul, MN 55101 Phone: (651) 296-2135 Fax: (651) 296-8591 Regulatory Contact: Kevin Murphy,, Deputy Commissioner Mississippi: Regulator: Mississippi Department of Banking and Consumer Finance Address: 901 Woolfolk Building, Suite A 501 N. West Street Jackson, MS 39201 Phone: (601) 359-1031 Fax: (601) 359-3557 Regulatory Contact: Ronny Harrison,, Chief Examiner, Consumer Finance Division Missouri: Regulator: Missouri Division of Finance Address: Consumer Credit Section, P. O. Box 716 301 W. High Street Jefferson City, MO 65102 Phone: (573) 751-3242 Fax: (573) 751-9192 Regulatory Contact: Joe Crider,, Supervisor, Consumer Credit Montana: Regulator: Montana Department of Administration Address: Division of Banking and Financial Institutions, 301 South Park, Suite 316 P.O. Box 200546 Helena, MT 59620 Phone: (406) 841-2920 Fax: (406) 841-2930 Regulatory Contact: Annie M. Goodwin,, Commissioner Nebraska: Regulator: Nebraska Department of Banking & Finance Address: Financial Institutions, 1230 'O' Street, Suite 400 P.O. Box 95006 Lincoln, NE 68509 Phone: (402) 471-2171 Fax: Regulatory Contact: Karen Reynolds,, Review Examiner New Hampshire: Regulator: New Hampshire State Banking Department Address: 64B Old Suncook Road Concord, NH 03301 Phone: (603) 271-3561 Fax: (603) 271-0750 Regulatory Contact: Mary Jurta,, Director, Consumer Credit Division New Jersey Payday Loans are illegal Regulator: New Jersey Department of Banking and Insurance Address: 20 West State St. Trenton, NJ 08625 Phone: (609) 292-5360 Fax: (609) 292-5461 Regulatory Contact: Ludi Hughes, Assistant Commissioner Nevada: Regulator: Nevada Financial Institutions Division Address: 2785 E. Desert Inn Rd., Suite 180 Las Vegas, NV 89121 Phone: (702) 486-4120 Fax: (702) 486-4563 Regulatory Contact: , Supervisory Examiner New Mexico: Regulator: New Mexico Financial Institutions Division Address: 2550 Cerrillos Road, 3rd Floor P. O. Box 25101 Santa Fe, NM 87505 Phone: (505)476-4885 Fax: (505) 476-4670 Regulatory Contact: Henry A. Vigil,, Consumer Industry Manager New York: Payday Loans are illegal Regulator: New York State Banking Department Address: One State Street New York, NY 10004 Phone: 1-877-BANK-NYS Regulatory Contact: Regina A. Stone, Deputy Superintendent North Carolina: Payday Loans are illegal Regulator: North Carolina Attorney General (See also Commissioner of Banks) Address: NC Attorney General's Office 9001 Mail Service Center Raleigh, NC 27699-9001 Phone: (919) 716-6400 North Dakota: Regulator: North Dakota Department of Financial Institutions Address: 2000 Schafer Street, Suite G Bismarck, ND 58501 Phone: (701) 328-9933 Fax: (701) 328-9955 Regulatory Contact: Robert J. Entringer,, Assistant Commissioner Ohio: Regulator: Ohio Division of Financial Institutions Address: 77 South High Street, 21st Floor Columbus, OH 43215 Phone: (614) 728-8400 Fax: Regulatory Contact: Robert M. Grieser,, Deputy Superintendent for Consumer Finance Oklahoma: Regulator: Oklahoma Department of Consumer Credit Address: 4545 North Lincoln Boulevard, Suite 104 Oklahoma City, OK 73105 Phone: (405) 521-3653 Fax: (405) 521-6740 Regulatory Contact: Jack Stone,, Deputy Administrator Oregon: Regulator: Oregon Department of Consumer & Business Services Address: Division of Finance & Corporate Securities, 350 Winter St. NE, Rm. 410 Salem, OR 97301 Phone: (503) 378-4140 Fax: (503) 947-7862 Regulatory Contact: Charles Donald,, Supervising Examiner, Non-depository Programs Pennsylvania: Payday Loans are Illegal Regulator: Pennsylvania Department of Banking Address: Market Square Plaza, 17 N. Second Street Harrisburg, PA 17101 Phone: (717) 214-8343 Fax: (717) 787-8773 Regulatory Contact: Jim Keiser, Administrator of Non-Depository Institutions Rhode Island: Regulator: Rhode Island Department of Business Regulation Address: Division of Banking, 233 Richmond Street, Suite 231 Providence, RI 02903 Phone: (401) 222-2405 Fax: (401) 222-5628 Regulatory Contact: Dennis F. Ziroli,, Assoc. Director & Supt. South Carolina: Regulator: South Carolina State Board of Financial Institutions Address: Consumer Finance Division, P.O. Box 11905 Columbia, SC 29211 Phone: (803) 734-2020 Fax: (803) 734-2025 Regulatory Contact: C. Dean Bratton,, Commissioner of Consumer Finance Tennessee: Regulator: Tennessee Department of Financial Institutions Address: 511 Union Street, Suite 400 Nashville, TN 37219 Phone: (615) 741-2236 Fax: (615) 532-1018 Regulatory Contact: Bart Daughdrill, Texas: Regulator: Texas Office of Consumer Credit Commissioner Address: 2601 N. Lamar Blvd. Austin, TX 78705 Phone: (512) 936-7600 Fax: (512) 936-7610 Utah: Watch out for lenders in this state..there are no usury laws!!! Regulator: Utah Department of Financial Institutions Address: 324 South State Street, Suite 201 Salt Lake City, UT 84111 Phone: (801) 538-8830 Fax: (801) 538-8894 Virginia: Regulator: Virginia Bureau of Financial Institutions Address: State Corporation Commission, 1300 East Main Street, Suite 800 Post Office Box 640 Richmond, VA 23218 Phone: (804) 371-9657 Fax: (804) 371-9416 Regulatory Contact: Susan E. Hancock,, Deputy Commissioner, Consumer Finance Vermont: Payday Loans are Illegal Regulator: Vermont Banking Division Address: Department of Banking, Insurance, Securities & Health Care Administration, 89 Main St Drawer 20 Montpelier, VT 05620 Phone: (802) 828-3307 Fax: (802) 828-3306 Regulatory Contact: Sue S. Clark, Regulatory and Consumer Affairs Chief Washington State: Legal Status: Legal (Lender must have a small loan endorsement to their check casher license in order to make payday loans) Regulator: Washington Department of Financial Institutions Address: Division of Consumer Services, PO Box 41200 Olympia, WA 98504 Phone: (360) 902-8700 Fax: (360) 725-7827 Regulatory Contact: Chuck Cross,, Director of Consumer Services Washington,D.C. Regulator: D.C. Department of Insurance, Securities and Banking Address: 810 First Street, NE, Suite 701 Washington, DC 20002 Phone: (202) 727- 8000 Fax: (202) 535-1197 Regulatory Contact: Howard Amer,, Director, Banking Bureau Wisconsin: Regulator: Wisconsin Department of Financial Institutions Address: Wisconsin Consumer Act Section, P.O. Box 8041 Madison, WI 53708 Phone: (608) 261-9555 Fax: (608) 261-7200 Regulatory Contact: Paul Egide,, Consumer Act Director West Virginia: Payday Loans are Illegal Regulator: Office of West Virginia Attorney General (see also West Virginia Division of Banking) Address: Consumer Protection Division 812 Quarrier St., 4th Floor Charleston, WV 25301 Phone: (800) 368-8808 Fax: (304) 558-0184 Wyoming: Regulator: Wyoming Division of Banking Address: Uniform Consumer Credit Code, 122 West 25th Street Cheyenne, WY 82002 Phone: (307) 777-7797 Fax: (307) 777-3555 Regulatory Contact: Joe Mulberry,, UCCC Supervisor |
How do we find out if the payday loan is licensed in our state o
How do we find out if the payday loan is licensed in our state or not? where would I find this information.
Each state regulator has the database of the loan companies lice
Each state regulator has the database of the loan companies licensed in their state. You will get the information from them. The contact numbers are given above of each state regulator. Call them for more information on the company you want to know about.
erzeke1, this list is really helpful. You have done so much hard work on this. :)
PayDay Loans
Thanks for the very useful information. I currently live in NJ, If paydays are ilegal what should i do. I have paid many $$$ and still owe many more.
Liz-thanks for the hard work on this!! It will help many of use
Liz-thanks for the hard work on this!! It will help many of use to refer to and the new ones also. :D ...Karen
The template letters that we canuse to send to the payday loan c
The template letters that we canuse to send to the payday loan companies, on the bottom of one of them it states to list an attorneys name. I have not talked to an attorney do I have to put one in there?
Liz, Oh I love you!!! I needed this info for someone, and wa
Liz,
Oh I love you!!! I needed this info for someone, and was about to go looking!!
Thank you!!!!
My pleasure my dears!!! This will save a WHOLE LOT of time when
My pleasure my dears!!!
This will save a WHOLE LOT of time when answering "help me find..." questions.
This is a great start of information for payday loan victims...remember, we'll support you all here, and we'll try to answer any questions we can...but you have to do some of your own homework too. This information should be more than helpful to you!
Liz, Thanks for all of your hard work. This is an awesome li
Liz,
Thanks for all of your hard work. This is an awesome list :)
Submitted by Cow & Chicken on Sun, 10/15/2006 - 07:41
Title Loan Question
Hello,
Does this list apply to Title loan companies as well?
Debra
at the top it states payday loans are illegal in PA what should
at the top it states payday loans are illegal in PA what should i do if I've already paid 650 dollars toward 750 i borrowed but they are saying i owe them now 1300????
kimbum: PDA's are not illegal in PA at all. A lender simply
kimbum:
PDA's are not illegal in PA at all. A lender simply cannot obtain a license from the state of PA. (I assume that your state does not want to encourage the use of PDA's), however if you go across state lines so to speak (using the internet) then if they are licensed in their home state and you signed an agreement with them, then unfortunately their states laws apply. What companies do you have loans with? Maybe I, or someone else on the forum can help you find out if your lenders are licensed in their home states.
kimbum: cashnetusa is owned by Cash America, which is a publi
kimbum:
cashnetusa is owned by Cash America, which is a publicly traded company. They are licensed anywhere that the permits payday loan licenses. You won't have much luck getting them to "forgive" the loan or issue any refunds. They are a fully compliant company. The good news is that they will be a lot more willing to work with you if you keep the lines of communication open with them. Take initiative and call them before your account gets any more delinquent (I don't know that it is delinquent, pardon me for assuming so if that is not the case). Companies like Cashnet USA will often waive fees and allow for small payment plans to help you out. Good Luck!!
payday loans
Thanks Liz for all the hard work this is a wonderful list and will help MANY people. KYSIDE38
I've tried to set up payments, but the payments they wanted me t
I've tried to set up payments, but the payments they wanted me to pay are entirely too high. They are threatening to send it to a collection agency or send me to court are they able to do this? If they send me to court what could happen?
kimbum: Cashnet can send your account to collections (likely)
kimbum:
Cashnet can send your account to collections (likely) and depending on the total balance, they could take it to court. Are the payments they request so high that there is nowhere to cut your budget temporarily while you pay them off? You might consider a part time job for extra money or cut back on cable and cell phone (if you have those things, it can save you a lot of money), or you could take a chance and send them a payment you feel you can afford, they are under no obligation to accept your payment though.
MA and Payday Avenue
Can you tell me if PayDay Avenue is licensed in MA or if they follow the same criteria as above? I cannot figure out the state where they are from and MA has tight laws on the PDL.
MA prohibits payday loans. So, PayDay Avenue shouldn't be listed
MA prohibits payday loans. So, PayDay Avenue shouldn't be listed in your state. Visit http://www.mass.gov/ for more information on how to deal with such lenders not licensed in your state.
Cashcall?
You've addressed Cashnet, what about Cashcall. Payday loans are prohibited in PA by the way. Our local Cash America can no longer admistered loans or charge interest or fees on the money they've lent already.
Does anyone know if M1Y Direct, VIP Cash or JHS Marketing are li
Does anyone know if M1Y Direct, VIP Cash or JHS Marketing are licensed in the state of Alabama?
I have a novel idea: How about not taking out a loan unless you
I have a novel idea: How about not taking out a loan unless you understand what the terms are, and are commited to paying it back? The PDL company was there when you had an emergency and needed money, you should be grateful enough to pay them back, even if the payments are painful. And, don't tell me that they changed the terms after you took the loan--I've used PDL lenders numerous times, and they've never failed to live up to the terms.