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 September 3, 2024
Bona Fide Nonprofit Organizations	6
Check Cashing Services    - Branch Offices	46 51
Consumer Collection Agencies    - Branch Offices	553 197
Debt Adjusters Non Profit    - Branch Offices Debt Adjusters For Profit	21 27 3
Debt Negotiators    - Branch Offices	5 3
Federal Student Loan Servicer Registrants	12
Lead Generators	4
Loan Processors/Underwriters	194
Money Transmitters	198
Mortgage Brokers    - Branch Offices	272 51
Mortgage Correspondent Lenders    - Branch Offices	29 6
Mortgage Lenders    - Branch Offices	414 1019
Mortgage Loan Originators	8629
Mortgage Servicers    - Branch Offices	86 22
Private Education Lender Registration	8
Private Education Loan Creditor Registration	2
Sales Finance Companies    - Branch Offices	168 61
Small Loan Companies    - Branch Offices	88 12
Student Loan Servicers    - Branch Offices	45 22

 

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