In accordance with Governor Lamont's emergency declaration, employees and the public are asked to observe social distancing measures to ensure communal safety and to slow the spread of the novel coronavirus (COVID-19). People are asked to work from home and telecommute wherever possible. Adhering to these instructions, the Department of Banking has closed its offices to the public. However, agency staff will continue to provide services to consumers and industry through telework. When contacting the Department, please use electronic communication whenever possible. Agency staff will continue to check voicemails during this time. Consumers are encouraged to use our online form for complaints. If you are unsure where to send an inquiry, you may send it to Department.Banking@ct.gov and it will be routed appropriately. Thank you for your patience during this time.

Consumer Credit Division

Contact the Division

Consumer Credit Licensees 
as of April 6, 2021
Bona Fide Nonprofit Organizations 
6
Check Cashing Services
   - Branch Offices 
51
63
Consumer Collection Agencies
   - Branch Offices
599
247
Debt Adjusters Non Profit
   - Branch Offices
Debt Adjusters For Profit
25
12
3
Debt Negotiators
   - Branch Offices
6
1
Lead Generators
3
Loan Processors/Underwriters 209
Money Transmitters 153
Mortgage Brokers
   - Branch Offices
215
25
Mortgage Correspondent Lenders
   - Branch Offices
30
6
Mortgage Lenders
   - Branch Offices
354
1014
Mortgage Loan Originators 10443
Mortgage Servicers
   - Branch Offices
84
37
Sales Finance Companies
   - Branch Offices
132
69
Small Loan Companies
   - Branch Offices
59
13
Student Loan Servicers
   - Branch Offices     
42
22

 

In addition to its licensing authority, the Consumer Credit Division also administers various laws related to consumer credit issues. Administrative orders relating to consumer credit issues may be found on this web site.

Connecticut is one of five states that the Federal Reserve Board exempts from the federal Truth in Lending Act. This permits local enforcement of the Truth in Lending Law.

Contact the Consumer Credit Division:

Consumer Questions or Complaints?

Connecticut Department of Banking
Consumer Credit Division
260 Constitution Plaza
Hartford, CT 06103-1800

Telephone:  (860) 240-8200 or toll-free at 800-831-7225
Fax:  (860) 240-8215

Key staff may be contacted via Email:

Carmine T. Costa, Division Director
carmine.costa@ct.gov

Christina M. Kaiko, Department Manager (Licensing)
christina.kaiko@ct.gov  

Michael Lentini, Department Manager
michael.lentini@ct.gov

Tracey Kelly, Department Manager
tracey.l.kelly@ct.gov