Payday loan regulators by state.

The payday loan industry has become, and continues to be, ever more regulated. State attorney generals and other government entities continue to implement new laws and practices in an effort to protect consumers for unfair or predatory lenders.

With the challenging economy, all too many families are turning to this form of short term financing in an effort to just pay their bills or rent on time. So state regulators do what they can to try to provide knowledge to borrowers and to give them some sort of protection when an individual is dealing with a payday lender. There is a particular focus on low income families, members of the military, seniors and immigrants, all who have historically been some of the heavier users of payday and salary advance loans in the past.

State regulators and attorney general do not want to see a family get into the cycle of taking out multiple loans. So support is available to ensure this doesn’t happen and that as many families as possible are treated fairly. They have also implemented ways for consumers to report unfair practices or to complain.

Much of the payday loan industry is regulated. The laws and rules vary widely by state. Some of what may be implemented in your state is as follows.

Most states have laws and rules in place around maximum amounts that can be taken out, and that may be a fixed dollar amount or based on a maximum percentage of the borrowers total income.

  • The term of the loan may be set as well in regards to maximum days or length.
  • Finance charges tend to be regulated in most states too. This can include the maximum interest rate, APRs, and origination charges.
  • Total debt limits are often in place too. This will be a maximum number of loans that a borrower can have outstanding, limits on rollovers, or even cooling off periods on renewed loans.
  • Some state attorney generals have laws in place that ensure consumers can enter into a repayment plan, often at no cost to them.
  • Collection rules are in place too from many regulators. This includes maximum on bad check fees as well as rules on what debt collectors can do when it comes to calling on payday loan borrowers.


Alaska Division of Banking and Securities, address is P.O. Box 110807 Juneau AK 99811. Call (888) 925-2521





Regulator in the state is the Alabama Banking Department
Address - P.O. Box 4600 Montgomery AL 36103. Phone: (334) 242-3452


Rules are in place by the Arkansas Attorney General, Office of the Attorney General
Location is 323 Center Street, Little Rock, Arkansas 72201. Or dial (501) 682 2007 for information on laws or to file a report/complaint on a lender.


The state regulator is Arizona Department of Financial Institutions
Location - Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix AZ 85018, (800) 544-0708


Payday loan laws are overseen by the California Department of Corporations
Address is Financial Services Division, 1515 K Street, Sacramento CA 95814. Main phone: (866) 275-2677


Colorado Office of the Attorney General
Uniform Consumer Credit Code, 1525 Sherman St., 5th Fl. Denver CO 80203, (303) 866-4494

District of Columbia - Washington DC

The regulator is the D. C. Department of Insurance, Securities and Banking. Office address: 810 First Street, Washington DC 20002. Call the center at (202) 727-8000





The main regulator is the Delaware Office of the State Bank Commissioner
555 E. Loockerman Street, Suite 210, Dover DE 19901, (302) 739-4235


Main state regulator is the Florida Office of Financial Regulation
Main address is Division of Securities and Finance, 200 E. Gaines Street, Tallahassee FL 32399. Telephone - (850) 410-9805


Georgia Office of the Commissioner of Insurance
Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower, Atlanta GA 30334. Main phone: (404) 656-2070. This is the main government entity in the region that protects borrowers.


Hawaii Department of Commerce and Consumer Affairs
Consumer Resource Center, 235 S. Beretania Street, Honolulu HI 96813, (808) 587-3222


Laws are put into place from the regulator, which is the Iowa Division of Banking
Address: 200 East Grand Avenue, Suite 300, Des Moines IA 50309. Phone: (515) 281-4014


Idaho Department of Finance is the regulator.
Address of the center is Consumer Finance Bureau, 800 Park Blvd., Boise ID 83712. Call the office at (208) 332-8000


Regulations and laws are set by the Illinois Division of Financial Institutions
Address is Consumer Credit Section, 320 W. Washington, Springfield IL 62701. Call (888) 298-8089


Indiana Department of Financial Institutions
Address: 30 South Meridian Street, Suite 300, Indianapolis IN 46204, Telephone (800) 382-4880


The main state regulator is the Office of the State Bank Commissioner
Location is 700 SW Jackson, Suite 300, Topeka KS 66603. Dial (785) 296-2266






Kentucky Office of Financial Institutions
1025 Capital Center Drive, Suite 200, Frankfort KY 40601, phone: (800) 223-2579


Payday laws and lenders need to adhere to policies from the Massachusetts Division of Banks
Address of the agency is One South Station Boston MA 02110. Call (617) 956-1500


Regulator is the Louisiana Office of Financial Institutions
Main address: P.O. Box 94095 Baton Rouge LA 70804, (225) 925-4660


Regulator for the state is the Maryland Commissioner of Financial Regulation
500 North Calvert Street, Suite 402, Baltimore MD 21202, dial (410) 230-6100


Maine Office of Consumer Credit Regulation sets rules and laws for the state.
Address is the Department of Professional and Financial Regulation, 35 State House Station Augusta ME 04333. Call (207) 624-8527


Michigan Office of Financial and Insurance Regulation
Mailing address is P.O. Box 30220 Lansing MI 48909
Telephone - (877) 999-6442


Regulator - Minnesota Department of Commerce
Address of the government agency is Division of Financial Examinations, 85 7th Place East, Suite 500, St. Paul MN 55101. Call (651) 296-2135


Regulator - Missouri Division of Finance
Address of the office is Consumer Credit Section, P. O. Box 716, 301 W. High Street Jefferson City MO 65102. Main phone - (573) 751-3242


Mississippi Department of Banking and Consumer Finance
901 Woolfolk Building, Suite A 501 N. West Street Jackson MS 39201. For information on payday regulations, dial (601) 359-1031


Regulator:  Division of Banking and Financial Institutions
301 South Park, Suite 316, Helena, MT 59601, dial (406) 248-2742




North Dakota

The main regulator is the North Dakota Department of Financial Institutions
Primary address is 2000 Schafer Street, Suite G, Bismarck ND 58501. Main phone: (701) 328-9933


Nebraska Department of Banking & Finance
Address is Financial Institutions, 1230 'O' Street, Suite 400, P.O. Box 95006, Lincoln NE 68509. Phone: (402) 471-2171


Regulator for payday loan and borrower issues is the Nevada Financial Institutions Division
Address: 2785 E. Desert Inn Rd., Suite 180 Las Vegas NV 89121. For information on laws and rules, or to complain, dial (702) 486-4120

North Carolina

Regulator: North Carolina Attorney General as well as the Commissioner of Banks
Main address is NC Attorney General's Office, 9001 Mail Service Center, Raleigh NC 27699-9001. Call the center at (919) 716-6400

New Jersey

Primary regulator is the New Jersey Department of Banking and Insurance
Address - 20 West State St. Trenton NJ 08625. Main phone: (609) 292-5360

New York State

For information, call the regulator which is the New York State Banking Department
Address: One State Street New York NY 10004. Main phone: 1-877-342-3736


Laws, rules, and violations should be reported to the Ohio Division of Financial Institutions
Address is 77 South High Street, 21st Floor Columbus OH 43215, (614) 728-8400


Oklahoma Department of Consumer Credit
Address: 3615 NW 56th Street, Suite 240, Oklahoma City, Oklahoma 73112-4512, (405) 521-3653


Call or stop by Oregon Department of Consumer & Business Services
They operate from the Division of Finance & Corporate Securities, 350 Winter St. NE, Rm. 410, Salem OR 97301. Dial (503) 378-4140


Regulator is the Pennsylvania Department of Banking
Market Square Plaza, 17 N. Second Street, Harrisburg PA 17101. Main phone: (717) 214-8343

Rhode Island

Department of Business Regulation
Address is 1511 Pontiac Ave, Cranston, RI 02920. Telephone - (401) 462-9500




South Carolina

Borrowers can contact the South Carolina State Board of Financial Institutions
Location of the office is at Consumer Finance Division, P.O. Box 11905 Columbia SC 29211. Dial (803) 734-2020

South Dakota

Main regulator - South Dakota Division of Banking
Address: 1601 N. Harrison Ave., Suite 1. Phone for information on laws, loan regulations, or to file a complaint is (605) 773-3421


Tennessee Department of Financial Institutions
Address is 511 Union Street, Suite 400 Nashville TN 37219. Telephone - (615) 741-2236


Consumers should contact the Texas Office of Consumer Credit Commissioner for the latest information on state regulations on salary advance loans and lenders.
Address is 2601 N. Lamar Blvd., Austin, TX 78705, (512) 936-7600


Utah Department of Financial Institutions
324 South State Street, Suite 201, Salt Lake City UT 84111, call (801) 538-8830


Rules and regulations are set by Virginia Bureau of Financial Institutions
The main address is Tyler Building, 8th floor, 1300 East Main Street, Suite 800, Post Office Box 640, Richmond VA 23218, (804) 371-9657


Regulator: Vermont Banking Division
For information, contact the Department of Financial Regulation, 89 Main St., Montpelier, VT 05620 – 3101. Dial (802) 828-3307


Regulator is Washington Department of Financial Institutions
Address - Division of Consumer Services, PO Box 41200, Olympia WA 98504, (360) 902-8700


Rules and laws are set by the Wisconsin Department of Financial Institutions
Address is Wisconsin Consumer Act Section, P.O. Box 8041, Madison WI 53708, (608) 264-7969

West Virginia

Regulator is Office of West Virginia Attorney General and also the Consumer Protection Division
They operate from the Consumer Protection Division office, P.O. Box 1789, Charleston, WV 25326. Telephone number is (304) 558-8986


Wyoming Division of Banking
Herschler Building, 3rd Floor, 122 West 25th Street, Cheyenne, WY 82002, (307) 777-7797

By Jon McNamara

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