{
  "title": "BorrowYourLoan U.S. Consumer Lending Resource Directory",
  "version": "9.0.0",
  "published": "2026-10-23",
  "sources_checked": "See each record for its source-check date.",
  "covered_states": 50,
  "coverage": "All 50 U.S. states.",
  "canonical_url": "https://www.borrowyourloan.com/resources/state-lending-resource-directory",
  "responsible_organization": "Borrow Your Loan",
  "methodology": "Official state agency pages were individually checked for program scope, license-lookup guidance and complaint routing. URLs point to the official agency guidance or gateway, not necessarily a direct search/complaint form. Sources are linked next to each record; follow the agency instructions for the actual lender and product. No lender is endorsed or individually verified by this dataset.",
  "limitations": [
    "Jurisdiction depends on lender and product; banks and exempt institutions can have different regulators.",
    "A missing lookup result is not a legal conclusion. A registry entry does not guarantee favorable terms, approval or suitability.",
    "Complaint guidance does not promise a remedy. The directory is informational, not legal advice.",
    "Links and scope can change; source checks reflect the stated date. California DFPI direct automated fetch returned403; official search-rendered source content was available during review."
  ],
  "rows": [
    {
      "state": "California",
      "agency": "California Department of Financial Protection and Innovation (DFPI)",
      "official_information_url": "https://dfpi.ca.gov/regulated-industries/california-financing-law/",
      "license_lookup_guidance_url": "https://dfpi.ca.gov/regulated-industries/california-financing-law/",
      "complaint_guidance_url": "https://dfpi.ca.gov/submit-a-complaint/",
      "scope_note": "Use the California Financing Law category where applicable; licensing exceptions and other regulator categories require care.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/california",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Texas",
      "agency": "Texas Office of Consumer Credit Commissioner (OCCC)",
      "official_information_url": "https://occc.texas.gov/consumers/file-a-complaint/",
      "license_lookup_guidance_url": "https://occc.texas.gov/consumers/file-a-complaint/complaint-portal/",
      "complaint_guidance_url": "https://occc.texas.gov/consumers/file-a-complaint/complaint-portal/",
      "scope_note": "OCCC distinguishes nonbank consumer loans from other product complaint categories and provides business-search guidance.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/texas",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Florida",
      "agency": "Florida Office of Financial Regulation (OFR)",
      "official_information_url": "https://www.flofr.gov/education/verify-a-license",
      "license_lookup_guidance_url": "https://www.flofr.gov/education/verify-a-license",
      "complaint_guidance_url": "https://www.flofr.gov/enforcement/submit-a-complaint-or-tip",
      "scope_note": "REAL includes consumer finance companies; OFR lists different routes for mortgage professionals, banks and credit unions.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/florida",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "New York",
      "agency": "New York State Department of Financial Services (DFS)",
      "official_information_url": "https://www.dfs.ny.gov/who_we_supervise",
      "license_lookup_guidance_url": "https://www.dfs.ny.gov/who_we_supervise",
      "complaint_guidance_url": "https://myportal.dfs.ny.gov/web/guest-applications/consumer-complaint",
      "scope_note": "DFS Licensed Lender is a defined category, not a synonym for every institution making a loan.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/new-york",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Pennsylvania",
      "agency": "Pennsylvania Department of Banking and Securities (DoBS)",
      "official_information_url": "https://www.pa.gov/agencies/dobs/banking",
      "license_lookup_guidance_url": "https://www.pa.gov/agencies/dobs/banking",
      "complaint_guidance_url": "https://www.pa.gov/services/dobs/file-a-complaint-about-a-financial-entity-or-professional",
      "scope_note": "The PA Financial Entities Search includes consumer discount companies among non-depository licensees.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/pennsylvania",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Illinois",
      "agency": "Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions",
      "official_information_url": "https://idfprapps.illinois.gov/DFI/CCD/ccd_main.asp",
      "license_lookup_guidance_url": "https://idfpr.illinois.gov/consumers/financialservices.html",
      "complaint_guidance_url": "https://idfprapps.illinois.gov/admin/DFI/DFIcomplaint.asp",
      "scope_note": "Consumer-credit lenders fall in DFI lookup resources, distinct from the separate Banking lookup.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/illinois",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Ohio",
      "agency": "Ohio Department of Commerce, Division of Financial Institutions (DFI)",
      "official_information_url": "https://com.ohio.gov/divisions-and-programs/financial-institutions",
      "license_lookup_guidance_url": "https://com.ohio.gov/divisions-and-programs/financial-institutions",
      "complaint_guidance_url": "https://com.ohio.gov/request-and-file/file-a-complaint/file-a-complaint-fi/financial-institution-complaint",
      "scope_note": "DFI has separate bank, credit-union and non-depository search routes; not every Ohio business is DFI-regulated.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/ohio",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Georgia",
      "agency": "Georgia Department of Banking and Finance (DBF)",
      "official_information_url": "https://dbf.georgia.gov/installment-lenders-finance-companies-small-loan-companies",
      "license_lookup_guidance_url": "https://dbf.georgia.gov/installment-lenders/installment-lender-license-search-administrative-action-search",
      "complaint_guidance_url": "https://dbf.georgia.gov/installment-lenders-finance-companies-small-loan-companies",
      "scope_note": "DBF describes its GILA installment-lender role for certain loans of $3,000 or less; do not apply that scope to every larger personal loan.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/georgia",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "North Carolina",
      "agency": "North Carolina Office of the Commissioner of Banks (NCCOB)",
      "official_information_url": "https://nccob.nc.gov/financial-institutions/consumer-finance",
      "license_lookup_guidance_url": "https://nccob.nc.gov/financial-institutions/consumer-finance",
      "complaint_guidance_url": "https://nccob.nc.gov/consumer-information/consumer-inquiries-and-complaint-information",
      "scope_note": "NCCOB consumer-finance guidance describes certain non-real-estate-secured loans of $25,000 or less.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/north-carolina",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "Michigan",
      "agency": "Michigan Department of Insurance and Financial Services (DIFS)",
      "official_information_url": "https://www.michigan.gov/difs/online-services",
      "license_lookup_guidance_url": "https://www.michigan.gov/difs/online-services",
      "complaint_guidance_url": "https://www.michigan.gov/difs/consumers/consumer-finance",
      "scope_note": "DIFS lists distinct regulatory-loan, omnibus and mortgage/consumer-finance locator categories.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/michigan",
      "sources_checked": "2026-10-22"
    },
    {
      "state": "New Jersey",
      "agency": "New Jersey Department of Banking and Insurance (DOBI)",
      "official_information_url": "https://www.nj.gov/dobi/banklicensing/conslend_salesfinancefaq.html",
      "license_lookup_guidance_url": "https://www.nj.gov/dobi/division_banking/licensees/bnklic_menu.htm",
      "complaint_guidance_url": "https://www.nj.gov/dobi/consumer.htm",
      "scope_note": "DOBI distinguishes consumer lending from sales finance; its banking complaint route differs from insurance and real estate.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/new-jersey",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Virginia",
      "agency": "Virginia State Corporation Commission, Bureau of Financial Institutions (BFI)",
      "official_information_url": "https://www.scc.virginia.gov/regulated-industries/bureau-of-financial-institutions/",
      "license_lookup_guidance_url": "https://www.scc.virginia.gov/consumers/banks-consumer-lenders/regulated-financial-institutions/",
      "complaint_guidance_url": "https://www.scc.virginia.gov/consumers/banks-consumer-lenders/",
      "scope_note": "BFI Company Search includes consumer finance; NMLS is used for specified mortgage and other categories.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/virginia",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Washington",
      "agency": "Washington State Department of Financial Institutions (DFI)",
      "official_information_url": "https://dfi.wa.gov/consumer-loan-companies",
      "license_lookup_guidance_url": "https://dfi.wa.gov/consumers/verify-license",
      "complaint_guidance_url": "https://dfi.wa.gov/complaint?a=b",
      "scope_note": "Washington directs consumer loan companies to NMLS and lists separate state bank and credit-union routes.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/washington",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Arizona",
      "agency": "Arizona Department of Insurance and Financial Institutions (DIFI)",
      "official_information_url": "https://difi.az.gov/consumers/finance",
      "license_lookup_guidance_url": "https://difi.az.gov/file-a-complaint",
      "complaint_guidance_url": "https://difi.az.gov/file-a-complaint",
      "scope_note": "DIFI separates financial complaints from insurance and excludes certain federally chartered institutions and other businesses from its complaint jurisdiction.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/arizona",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Massachusetts",
      "agency": "Massachusetts Division of Banks (DOB)",
      "official_information_url": "https://www.mass.gov/orgs/division-of-banks",
      "license_lookup_guidance_url": "https://www.mass.gov/doc/consumer-alert-on-payday-loans-from-tribal-lenders/download",
      "complaint_guidance_url": "https://www.mass.gov/forms/division-of-banks-complaint-form",
      "scope_note": "DOB’s small-loan and non-depository guidance should not be generalized to every loan amount or federally supervised bank.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/massachusetts",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Tennessee",
      "agency": "Tennessee Department of Financial Institutions (TDFI)",
      "official_information_url": "https://www.tn.gov/tdfi/contact-us.html",
      "license_lookup_guidance_url": "https://www.tn.gov/tdfi/contact-us.html",
      "complaint_guidance_url": "https://www.tn.gov/tdfi/consumer-resources/file-a-complaint-redirect.html",
      "scope_note": "TDFI lists industrial loan and thrift and flexible-credit categories; not every Tennessee financial institution is TDFI-regulated.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/tennessee",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Indiana",
      "agency": "Indiana Department of Financial Institutions (DFI)",
      "official_information_url": "https://www.in.gov/dfi/general-information/consumer-credit-division/",
      "license_lookup_guidance_url": "https://faqs.in.gov/hc/en-us/articles/360024366132-How-do-I-find-out-if-a-business-is-licensed-to-loan-money-by-DFI",
      "complaint_guidance_url": "https://www.in.gov/dfi/file-a-complaint/where-do-i-file-my-complaint/",
      "scope_note": "Indiana DFI’s complaint guide routes loan brokers and collection agencies to the Secretary of State, distinct from DFI-regulated consumer lenders.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/indiana",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Maryland",
      "agency": "Maryland Office of Financial Regulation (OFR), Department of Labor",
      "official_information_url": "https://www.labor.maryland.gov/finance/frcontacts.shtml",
      "license_lookup_guidance_url": "https://www.labor.maryland.gov/finance/industry/licsearch.shtml",
      "complaint_guidance_url": "https://www.labor.maryland.gov/finance/consumers/comphow.shtml",
      "scope_note": "Maryland lists consumer and installment-loan lenders in NMLS, but directs charter checks for banks and credit unions to a separate directory.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/maryland",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Missouri",
      "agency": "Missouri Division of Finance",
      "official_information_url": "https://finance.mo.gov/consumer-credit-licensing",
      "license_lookup_guidance_url": "https://finance.mo.gov/consumer-complaints",
      "complaint_guidance_url": "https://finance.mo.gov/consumer-complaints",
      "scope_note": "Missouri distinguishes consumer-credit and installment-lender categories and routes nationally chartered bank complaints to the OCC.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/missouri",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Colorado",
      "agency": "Colorado Department of Law, Consumer Credit Unit",
      "official_information_url": "https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/consumers/",
      "license_lookup_guidance_url": "https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/uniform-consumer-credit-code/consumers/",
      "complaint_guidance_url": "https://coag.gov/file-complaint/credit-and-debt/",
      "scope_note": "Colorado’s UCCC resource links to supervised-lender licenses and distinguishes its scope from first-mortgage acquisition and refinance lending.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/colorado",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Oregon",
      "agency": "Oregon Division of Financial Regulation (DFR)",
      "official_information_url": "https://apps.oregon.gov/SOS/LicenseDirectory/LicenseDetail/537",
      "license_lookup_guidance_url": "https://dfr.oregon.gov/help/complaints-licenses/Pages/check-license.aspx",
      "complaint_guidance_url": "https://dfr.oregon.gov/help/complaints-licenses/Pages/complaint-information.aspx",
      "scope_note": "Oregon provides a specific Consumer Finance Lending category and separates financial-service checks from insurance databases.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/oregon",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Wisconsin",
      "agency": "Wisconsin Department of Financial Institutions (DFI), Licensed Financial Services",
      "official_information_url": "https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/FileAComplaint.aspx",
      "license_lookup_guidance_url": "https://external.dfi.wi.gov/apps/public/lfs-licensees",
      "complaint_guidance_url": "https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/FileAComplaint.aspx",
      "scope_note": "Wisconsin LFS handles listed non-depository providers, with separate mortgage, bank and credit-union complaint routes.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/wisconsin",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Minnesota",
      "agency": "Minnesota Department of Commerce",
      "official_information_url": "https://mn.gov/commerce/consumer/money-banking/regulated-lenders/",
      "license_lookup_guidance_url": "https://mn.gov/commerce/licensing/license-lookup/",
      "complaint_guidance_url": "https://mn.gov/commerce/consumer/file-a-complaint/",
      "scope_note": "Commerce’s directory separates Regulated Lenders, Industrial Loan and Thrift Companies and Consumer Small Loan Lenders.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/minnesota",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "South Carolina",
      "agency": "South Carolina Office of the Commissioner of Consumer Finance",
      "official_information_url": "https://consumerfinance.sc.gov/regulated-institutions",
      "license_lookup_guidance_url": "https://consumerfinance.sc.gov/look-licensee",
      "complaint_guidance_url": "https://consumerfinance.sc.gov/index.php/complaints",
      "scope_note": "The consumer-finance office’s complaint guidance directs personal-loan, title-loan and payday complaints to the Department of Consumer Affairs.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/south-carolina",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Alabama",
      "agency": "Alabama State Banking Department, Bureau of Loans",
      "official_information_url": "https://banking.alabama.gov/bol/",
      "license_lookup_guidance_url": "https://banking.alabama.gov/bol/licensee-search/",
      "complaint_guidance_url": "https://banking.alabama.gov/",
      "scope_note": "The official BOL search page marks its BOL lookup temporarily unavailable; use Department guidance and the appropriate NMLS route rather than infer a licensing outcome.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/alabama",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Connecticut",
      "agency": "Connecticut Department of Banking (DOB)",
      "official_information_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/small-loan-companies-licensed-in-connecticut",
      "license_lookup_guidance_url": "https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/small-loan-companies-licensed-in-connecticut",
      "complaint_guidance_url": "https://portal.ct.gov/dob/consumer/consumer-complaints/small-loans",
      "scope_note": "DOB’s small-loan scope includes specified arranging and assistance activities, with exemptions; its complaint route also accepts relevant unlicensed-company issues.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/connecticut",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Rhode Island",
      "agency": "Rhode Island Department of Business Regulation, Banking Division",
      "official_information_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
      "license_lookup_guidance_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
      "complaint_guidance_url": "https://dbr.ri.gov/banking-securities-and-charitable-organizations/banking",
      "scope_note": "DBR Banking links to NMLS lookup, separate chartered-institution lists and banking enforcement information.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/rhode-island",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Louisiana",
      "agency": "Louisiana Office of Financial Institutions (OFI), Non-Depository Division",
      "official_information_url": "https://ofi.la.gov/non-depository/licensed-lenders/",
      "license_lookup_guidance_url": "https://ofi.la.gov/non-depository/licensed-lenders/licensees/",
      "complaint_guidance_url": "https://ofi.la.gov/complaints/",
      "scope_note": "OFI separates non-real-estate licensed lending from other products; its complaint guide directs motor-vehicle sales financing to the Motor Vehicle Commission.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/louisiana",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Kentucky",
      "agency": "Kentucky Department of Financial Institutions (DFI)",
      "official_information_url": "https://kfi.ky.gov/newstatic_info.aspx?static_id=246",
      "license_lookup_guidance_url": "https://kfiweb.ky.gov/PublicWebServicePage/",
      "complaint_guidance_url": "https://kfi.ky.gov/newstatic_Info.aspx?static_ID=347",
      "scope_note": "Kentucky’s Consumer Loan Company guidance references KRS286.4 and provides a licensee-search route; DFI complaint assistance has defined regulatory scope.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/kentucky",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Oklahoma",
      "agency": "Oklahoma Department of Consumer Credit",
      "official_information_url": "https://oklahoma.gov/okdocc/resources/consumer-links.html",
      "license_lookup_guidance_url": "https://oklahoma.gov/okdocc.html",
      "complaint_guidance_url": "https://oklahoma.gov/okdocc/complaints.html",
      "scope_note": "Oklahoma separates non-depository consumer-credit regulation from the Banking Department’s state-bank role.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/oklahoma",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Iowa",
      "agency": "Iowa Division of Banking (IDOB)",
      "official_information_url": "https://idob.iowa.gov/finance/finance-license-verification",
      "license_lookup_guidance_url": "https://idob.iowa.gov/finance/finance-license-verification",
      "complaint_guidance_url": "https://idob.iowa.gov/how-do-i-file-complaint",
      "scope_note": "IDOB’s verification page lists Regulated Loan and Industrial Loan categories; its complaint guidance separates bank searches from NMLS.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/iowa",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Kansas",
      "agency": "Kansas Office of the State Bank Commissioner (OSBC)",
      "official_information_url": "https://osbckansas.gov/consumers/faqs/",
      "license_lookup_guidance_url": "https://osbckansas.gov/online/",
      "complaint_guidance_url": "https://osbckansas.gov/consumers/file-a-complaint/",
      "scope_note": "OSBC Online covers specified charters and consumer-credit filers; other consumer-credit companies use NMLS according to the official lookup instructions.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/kansas",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Nebraska",
      "agency": "Nebraska Department of Banking and Finance (NDBF)",
      "official_information_url": "https://ndbf.nebraska.gov/industries/consumer-lending-licenses",
      "license_lookup_guidance_url": "https://ndbf.nebraska.gov/industries/consumer-lenders",
      "complaint_guidance_url": "https://ndbf.nebraska.gov/industries/consumer-lenders",
      "scope_note": "NDBF’s consumer-lending resources distinguish installment loans, sales finance and loan brokers, with separate search and complaint links.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/nebraska",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Nevada",
      "agency": "Nevada Financial Institutions Division (FID)",
      "official_information_url": "https://www.fid.nv.gov/licensing/installment-loans/",
      "license_lookup_guidance_url": "https://www.fid.nv.gov/Licensing/",
      "complaint_guidance_url": "https://www.fid.nv.gov/resources/resources-and-complaints/",
      "scope_note": "Nevada lists Installment Loans separately from deferred-deposit and other license categories and provides a regulator-specific complaint directory.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/nevada",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Utah",
      "agency": "Utah Department of Financial Institutions (DFI)",
      "official_information_url": "https://dfi.utah.gov/non-depository/consumer-lending/",
      "license_lookup_guidance_url": "https://dfi.utah.gov/non-depository/consumer-lending/",
      "complaint_guidance_url": "https://dfi.utah.gov/resources/helpful-links/file-a-complaint/",
      "scope_note": "Utah identifies Consumer Credit Notification filings and directs CCN verification to NMLS; a notification is not a product recommendation.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/utah",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Idaho",
      "agency": "Idaho Department of Finance",
      "official_information_url": "https://www.finance.idaho.gov/pressrelease/beware-mailers-appearing-to-originate-from-unlicensed-consumer-lenders/",
      "license_lookup_guidance_url": "https://www.finance.idaho.gov/complaint-guidance/",
      "complaint_guidance_url": "https://www.finance.idaho.gov/complaint-guidance/",
      "scope_note": "The Department provides a licensee and financial-institution search; federal banks and federal credit unions require different complaint routing.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/idaho",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Montana",
      "agency": "Montana Division of Banking and Financial Institutions (DBFI)",
      "official_information_url": "https://doa.mt.gov/BFID/mortgage-consumer-finance/",
      "license_lookup_guidance_url": "https://www.doa.mt.gov/BFID/consumer-info",
      "complaint_guidance_url": "https://www.doa.mt.gov/BFID/consumer-info",
      "scope_note": "Consumer-loan and sales-finance license information is available through NMLS; bank, credit-union and general consumer complaints follow distinct routes.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/montana",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "New Mexico",
      "agency": "New Mexico Financial Institutions Division (FID)",
      "official_information_url": "https://www.rld.nm.gov/financial-institutions/who-we-regulate/small-loan-companies/",
      "license_lookup_guidance_url": "https://www.rld.nm.gov/financial-institutions/who-we-regulate/small-loan-companies/",
      "complaint_guidance_url": "https://www.rld.nm.gov/financial-institutions/file-a-complaint/",
      "scope_note": "The Small Loan Companies category concerns loans of $10,000 or less; the official directory is updated quarterly and banks and credit unions have different status.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/new-mexico",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Arkansas",
      "agency": "Arkansas State Bank Department",
      "official_information_url": "https://banking.arkansas.gov/consumer-info/file-a-complaint/",
      "license_lookup_guidance_url": "https://banking.arkansas.gov/",
      "complaint_guidance_url": "https://banking.arkansas.gov/consumer-info/file-a-complaint/",
      "scope_note": "The Department’s bank directory and complaint process concern Arkansas state-chartered banks; national and other-state charters have different supervisors.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/arkansas",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Mississippi",
      "agency": "Mississippi Department of Banking and Consumer Finance (DBCF)",
      "official_information_url": "https://dbcf.ms.gov/consumer-finance/",
      "license_lookup_guidance_url": "https://dbcf.ms.gov/consumer-finance/",
      "complaint_guidance_url": "https://dbcf.ms.gov/complaint-form/",
      "scope_note": "DBCF lists distinct nonbank license categories; the stated in-state physical-location requirement applies to its Small Loan category, not automatically to all lenders.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/mississippi",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "West Virginia",
      "agency": "West Virginia Division of Financial Institutions (DFI)",
      "official_information_url": "https://dfi.wv.gov/regulated-consumer-lender",
      "license_lookup_guidance_url": "https://dfi.wv.gov/consumers",
      "complaint_guidance_url": "https://dfi.wv.gov/faq",
      "scope_note": "Regulated Consumer Lenders are a defined finance-company category; state-bank, mortgage and locally licensed pawnshop matters require separate checks.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/west-virginia",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Delaware",
      "agency": "Delaware Office of the State Bank Commissioner (OSBC)",
      "official_information_url": "https://banking.delaware.gov/apply-for-a-license/licensed-lenders/",
      "license_lookup_guidance_url": "https://banking.delaware.gov/non-depository-institutions/",
      "complaint_guidance_url": "https://banking.delaware.gov/consumer-complaints/",
      "scope_note": "OSBC lists Licensed Lenders separately from Mortgage Loan Brokers and other nondepository providers; complaints depend on institution and activity.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/delaware",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "New Hampshire",
      "agency": "New Hampshire Banking Department",
      "official_information_url": "https://gc.nh.gov/rsa/html/XXXVI/399-A/399-A-mrg.htm",
      "license_lookup_guidance_url": "https://www.banking.nh.gov/sites/g/files/ehbemt621/files/inline-documents/complaint-form.pdf",
      "complaint_guidance_url": "https://www.banking.nh.gov/sites/g/files/ehbemt621/files/inline-documents/complaint-form.pdf",
      "scope_note": "RSA 399-A defines the small-loan category and licensing requirement; Department guidance supplies a contact route when current licensing or complaint jurisdiction needs confirmation.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/new-hampshire",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Maine",
      "agency": "Maine Bureau of Consumer Credit Protection",
      "official_information_url": "https://www.maine.gov/pfr/consumercredit/industry/licensing/supervised_lender/faq.htm",
      "license_lookup_guidance_url": "https://www.maine.gov/pfr/consumercredit/industry/licensing.htm",
      "complaint_guidance_url": "https://www1.maine.gov/pfr/consumercredit/complaint.htm",
      "scope_note": "The Bureau distinguishes supervised lenders and loan brokers; its FAQ explains that a Maine office is not required for an appropriately licensed out-of-state supervised lender.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/maine",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Vermont",
      "agency": "Vermont Department of Financial Regulation (DFR)",
      "official_information_url": "https://dfr.vermont.gov/banking/financial-services/lender",
      "license_lookup_guidance_url": "https://dfr.vermont.gov/consumers/verify-license",
      "complaint_guidance_url": "https://dfr.vermont.gov/file-complaint-or-ask-help/banking-complaints",
      "scope_note": "DFR’s Licensed Lender category and NMLS verification concern specified financial businesses; unlicensed-lending concerns and federal institutions can require different assistance routes.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/vermont",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "North Dakota",
      "agency": "North Dakota Department of Financial Institutions (DFI)",
      "official_information_url": "https://www.nd.gov/dfi/about-dfi/non-depository/frequently-asked-questions-non-depository",
      "license_lookup_guidance_url": "https://www.nd.gov/dfi/about-dfi/non-depository/frequently-asked-questions-non-depository",
      "complaint_guidance_url": "https://www.nd.gov/dfi/file-complaint",
      "scope_note": "North Dakota’s Money Brokering category includes consumer and commercial lending; nondepository verification differs from bank and trust-company charter checks.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/north-dakota",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "South Dakota",
      "agency": "South Dakota Division of Banking",
      "official_information_url": "https://dlr.sd.gov/banking/money_lenders/default.aspx",
      "license_lookup_guidance_url": "https://dlr.sd.gov/banking/consumers/information_for_consumers.aspx",
      "complaint_guidance_url": "https://dlr.sd.gov/banking/consumers/consumer_complaint_faq.aspx",
      "scope_note": "Money Lender is a defined category; the Division’s consumer guidance distinguishes its licensees and state banks from credit unions and federal depository institutions.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/south-dakota",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Wyoming",
      "agency": "Wyoming Division of Banking",
      "official_information_url": "https://wyomingbankingdivision.wyo.gov/consumer-lending/license-and-registration",
      "license_lookup_guidance_url": "https://wyomingbankingdivision.wyo.gov/consumer-lending/licensee-list",
      "complaint_guidance_url": "https://wyomingbankingdivision.wyo.gov/how-to-file-a-complaint",
      "scope_note": "Consumer Lender and Sales Finance are separate categories with different covered activities; the Division publishes category-specific licensee lists.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/wyoming",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Alaska",
      "agency": "Alaska Division of Banking and Securities",
      "official_information_url": "https://www.commerce.alaska.gov/web/dbs/ConsumerFinance/LoanEntity.aspx",
      "license_lookup_guidance_url": "https://www.commerce.alaska.gov/web/dbs/ConsumerFinance/LoanEntity.aspx",
      "complaint_guidance_url": "https://www.commerce.alaska.gov/web/Portals/3/pub/DBSGeneralComplaintFormupdated%202.25.21.pdf",
      "scope_note": "The Loan Entity resource covers Small Loan and Premium Finance categories with separately dated lists; current-status questions can require confirmation with the Division.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/alaska",
      "sources_checked": "2026-10-23"
    },
    {
      "state": "Hawaii",
      "agency": "Hawaii Division of Financial Institutions (DFI)",
      "official_information_url": "https://www.cca.hawaii.gov/dfi/complaint-faqs/",
      "license_lookup_guidance_url": "https://cca.hawaii.gov/dfi/list-of-companies/",
      "complaint_guidance_url": "https://www.cca.hawaii.gov/dfi/complaint-faqs/",
      "scope_note": "DFI lists regulated institutions by category; NMLS links for specified services should not be generalized to all lenders or federally chartered institutions.",
      "byl_guide_url": "https://www.borrowyourloan.com/personal-loans/hawaii",
      "sources_checked": "2026-10-23"
    }
  ]
}