State of Connecticut Department of Banking

The Department of Banking has moved! On Monday, November 24, 2025, the Department of Banking relocated its offices to 280 Trumbull Street in Hartford.

Consumer Credit Main

Consumer Credit Division

Contact the Division

The Consumer Credit Division issues seventeen different license or registration types across several sectors of the non-depository financial services market. 

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 website.

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. 

Consumer Credit Licensees as of March 6, 2026
Licensee Total
Bona Fide Nonprofit Organizations 
 7
Check Cashing Services
   - Branch Offices 
46
47
 Commercial Financing Provider and Broker Registrants 150
Consumer Collection Agencies
   - Branch Offices
509
157
Debt Adjusters Non Profit
   - Branch Offices
Debt Adjusters For Profit
20
26
1
Debt Negotiators
   - Branch Offices
3
3
 Exempt Registrants 57
Federal Student Loan Servicer Registrants 11
Lead Generators
3
Loan Processors/Underwriters 188
Money Transmitters 218
Mortgage Brokers
   - Branch Offices
284
50
Mortgage Correspondent Lenders
   - Branch Offices
23
4
Mortgage Lenders
   - Branch Offices
437
1054
Mortgage Loan Originators 9356
Mortgage Servicers
   - Branch Offices
74
21
 Private Education Lender Registration 12
 Private Education Loan Creditor Registration 6
Sales Finance Companies
   - Branch Offices
179
53
Small Loan Companies
   - Branch Offices
113
19
Student Loan Servicers
   - Branch Offices     
41
16

 

Contact the Consumer Credit Division:

Consumer Questions or Complaints?

Connecticut Department of Banking
Consumer Credit Division
280 Trumbull Street, 16th floor
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  

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

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