Regulatory and Counseling Contact Information
A payday loan or cash advance can be a smart, fast and secure financial option. However, payday loans should be used for short-term needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling. Some helpful agencies are listed below.
- National Foundation for Credit Counseling: http://www.nfcc.org/
- Consumer Credit Counseling Services: http://www.cccsintl.org/
- The Credit Counseling Professionals: http://www.consumercredit.com/
- Credit Counseling Services: http://www.consolidatedcredit.org/
Find the contact information for your state's regulatory agency below.
-
Alabama
State Banking Department: Center for Commerce401 Adams Avenue, suite 680
Montgomery, AL 36130TEL 334.353.4513FAX 334.353.4519http://www.bank.state.al.us -
Alaska
Alaska Division of Banking and Securities550 W. 7th Ave, Suite 1940
Anchorage, Alaska 99501TEL 907.269.8140 or 888.388.8140Alaska Division of Banking and SecuritiesPO Box 110807
Juneau, Alaska 99811-0807TEL 907.465.2521 or 888.925.2521http://www.dced.state.ak.us/bsc/ -
California
Department of Corporation1515 K Street, Suite 200
Sacramento, California 95814TEL 866.275.2677 or 916.445.7205http://www.corp.ca.gov/about/complaint.asp -
Delaware
Office of the State Bank Commissioner555 E. Loockerman Street, Suite 210
Dover, DE 19901TEL 302.739.4235FAX 302.739.3609http://www.state.de.us/bank/services/applicense/llintro.shtml -
Florida
Florida, Office of Financial Regulationhttp://www.flofr.com/StaticPages/documents/creditcounselors.pdf200 East Gaines Street
Tallahassee, FL 32399 -
Idaho
Department of Finance700 West State Street, 2nd Floor
P.O. Box 83720 Boise, ID 83720-0031TEL 208.332.8000FAX 208.332.8097http://finance.idaho.gov/ -
Illinois
Division of Financial Institutions320 W. Washington
Springfield, Illinois 62786TDD 217.785.3022MAIN 217.782.2831http://www.idfpr.com/dfi/default2.asp -
Kansas
Office of the State Bank CommissionerJayhawk Tower, 700 SW Jackson St., Suite 300
Topeka KS 66603-3796TEL 785.296.2266FAX 785.296.6037http://www.osbckansas.org/consumerassistance.html -
Maine
Maine Department of Professional and Financial Regulation35 State House Station
Augusta, Maine 04333TEL 207.624.8500FAX 207.624.8690http://www.maine.gov/pfr/index.shtml -
Michigan
Department of Insurance and Financial Service Office of Consumer Finance110 West Michigan Avenue Suite 400
Lansing, Michigan 48909TEL 517.373.0220 or 877.999.6442FAX 517.335.4978ofis-info@michigan.gov -
Minnesota
Minnesota Department of Commerce85 7th Place East, Suite 500
St. Paul, MN 55101TEL 651.297.4288FAX 651.296.8591financial.commerce@state.mn.us -
Mississippi
Department of Banking and Consumer Finance901 Woolfolk Building, Suite A
501 N. West Street, Jackson, Mississippi 39225TEL 601.359.1031FAX 601.359.3557http://www.dbcf.state.ms.us/ -
Missouri
Missouri Division of FinanceHarry S Truman state Office Building, room 630
PO box 716 Jefferson City, Missouri 65102TEL 573.751.3242FAX 573.751.9192http://www.missouri-finance.org/Consumer%20Credit%20Companies/Consumer%20Help.htm -
Nevada
NOTICE OF RIGHT TO CONTACT THE OFFICE OF THE COMMISSIONER OF FINANCIAL INSTITUTIONS REGARDING CONCERNS OR COMPLAINTS
You may contact the Office of the Commissioner of Financial Institutions regarding concerns or complaints about the service provider with whom you are dealing by calling the following toll-free telephone number in Nevada: 1 (866) 858-8951.
Financial Institutions Division1179 Fairview Dr., Suite 201
Carson City, NV 89701TEL 775.687.5522FAX 775.687.5523http://fid.state.nv.us -
New Mexico
Financial Institutions Division2550 Cerrillos Road, 3rd Floor,
Santa Fe, NM 87505TEL 505.476.4885FAX 505.476.4670http://www.rld.state.nm.us/FID -
North Dakota
Department of Financial Institutions Consumer Division2000 Schaefer Street, Suite G
Bismarck, ND 58501-1204TEL 701.328.9933http://www.nd.gov/dfi -
Ohio
Division of Financial Institutions77 South High St., 21st Floor
Columbus, OH 43215TEL 614.728.8400http://www.com.state.oh.us/dfi/ccnondep.htm -
Oklahoma
Oklahoma Department of Consumer Credit4545 N. Lincoln Blvd., Suite 104
Oklahoma City, OK 73105TEL 800.448.4904http://www.okdocc.state.ok.us -
Oregon
Division of Finance & Corporate SecuritiesP.O. Box 14480
Salem, OR 97309-0405MAIN 503.986.0123ALT 866.814.9710http://www.dfcs.oregon.gov/consumerprogram.html -
Rhode Island
Financial Institutions Division406 E. 2nd Street, Suite 3
Carson City, Nevada 89701-4758TEL 775.684.1830FAX 775.684.1845http://fid.state.nv.us -
South Carolina
South Carolina Board of Financial Institutions3rd Floor, Suite 306, Edgar Brown Building, 1205 Pendleton St
Columbia, SC 29201TEL 803.734.2001FAX 803.734.2013http://www.bofi.sc.gov/Pages/default.aspx -
South Dakota
South Dakota Division of Banking1601 N Harrison Ave., Suite 1
Pierre, SD 57501TEL 605.773.3421FAX 866.326.7504http://www.state.sd.us/drr2/reg/bank/BANK-HOM.htm -
Texas
Office of the Attorney General Consumer Protection DivisionPO Box 12548
Austin, TX 78711-2548TEL 512.463.2185FAX 512.473.8301https://www.oag.state.tx.us/consumer/index.shtml -
Utah
Financial InstitutionsPO BOX 146800
Salt Lake City, UT 84114-6800TEL 801.538.8830FAX 801..538.8894http://www.dfi.utah.gov/ -
Washington
If you have any questions about your rights and responsibilities when taking out a payday loan, contact the Department of Financial Institutions at:
Department of Financial Institutions150 Israel Rd SW
Tumwater WA 98501TEL 877.746.4334FAX 360.586.5068http://www.dfi.wa.gov -
Wisconsin
Department of Financial Institutions345 W Washington Avenue
Madison, WI 53703TEL 608.261.9555FAX 608.261.7200http://www.wdfi.org/ -
Wyoming
Department of Audit Division of BankingHershler Building 3rd Floor
East Cheyenne, WY 82002TEL 307.777.7797http://audit.state.wy.us