Consumer Credit Division

Contact the Division

Consumer Credit Licensees  as of December 1, 2023
Bona Fide Nonprofit Organizations	6
Check Cashing Services    - Branch Offices	50 57
Consumer Collection Agencies    - Branch Offices	568 201
Debt Adjusters Non Profit    - Branch Offices Debt Adjusters For Profit	21 31 3
Debt Negotiators    - Branch Offices	6 3
Federal Student Loan Servicer Registrants	12
Lead Generators	3
Loan Processors/Underwriters	234
Money Transmitters	199
Mortgage Brokers    - Branch Offices	264 30
Mortgage Correspondent Lenders    - Branch Offices	32 9
Mortgage Lenders    - Branch Offices	416 1058
Mortgage Loan Originators	10054
Mortgage Servicers    - Branch Offices	91 26
Sales Finance Companies    - Branch Offices	160 61
Small Loan Companies    - Branch Offices	84 14
Student Loan Servicers    - Branch Offices	44 22

04In 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