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 May 1, 2024 
Bona Fide Nonprofit Organizations 
6
Check Cashing Services
   - Branch Offices 
46
51
Consumer Collection Agencies
   - Branch Offices
553
193
Debt Adjusters Non Profit
   - Branch Offices
Debt Adjusters For Profit
21
26
3
Debt Negotiators
   - Branch Offices
5
3
Federal Student Loan Servicer Registrants 12
Lead Generators
3
Loan Processors/Underwriters 190
Money Transmitters 192
Mortgage Brokers
   - Branch Offices
267
48
Mortgage Correspondent Lenders
   - Branch Offices
30
8
Mortgage Lenders
   - Branch Offices
411
980
Mortgage Loan Originators 8051
Mortgage Servicers
   - Branch Offices
88
22
Sales Finance Companies
   - Branch Offices
157
57
Small Loan Companies
   - Branch Offices
85
13
Student Loan Servicers
   - Branch Offices     
45
21

 

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