U.S. Consumer Lending Resource Directory
Compare official lender-verification and complaint guidance across 50 individually reviewed states. Download the CSV/JSON directory, check regulator scope, and follow the official agency route for the actual lender and product. All 50 states are represented.
Published October 23, 2026 · Source-check dates: see individual records · Borrow Your Loan
How do you choose the right regulator and lookup?
First identify the legal lender and product type. Then use the official guidance in its state row to select the appropriate registry or complaint route. These links lead to agency information or gateways; they are not claims that every linked page is a direct search form.
This edition covers 50 reviewed states. Use the table for the current coverage and per-record review dates. A state address alone does not establish jurisdiction; institution and product categories matter.
Which official resources are available in each covered state?
| State and BYL guide | Agency | Official information | License-lookup guidance | Complaint guidance | Scope note | Sources checked |
|---|---|---|---|---|---|---|
| California | California Department of Financial Protection and Innovation (DFPI) | California — Official agency information | California — Official lookup guidance | California — Official complaint guidance | Use the California Financing Law category where applicable; licensing exceptions and other regulator categories require care. | 2026-10-22 |
| Texas | Texas Office of Consumer Credit Commissioner (OCCC) | Texas — Official agency information | Texas — Official lookup guidance | Texas — Official complaint guidance | OCCC distinguishes nonbank consumer loans from other product complaint categories and provides business-search guidance. | 2026-10-22 |
| Florida | Florida Office of Financial Regulation (OFR) | Florida — Official agency information | Florida — Official lookup guidance | Florida — Official complaint guidance | REAL includes consumer finance companies; OFR lists different routes for mortgage professionals, banks and credit unions. | 2026-10-22 |
| New York | New York State Department of Financial Services (DFS) | New York — Official agency information | New York — Official lookup guidance | New York — Official complaint guidance | DFS Licensed Lender is a defined category, not a synonym for every institution making a loan. | 2026-10-22 |
| Pennsylvania | Pennsylvania Department of Banking and Securities (DoBS) | Pennsylvania — Official agency information | Pennsylvania — Official lookup guidance | Pennsylvania — Official complaint guidance | The PA Financial Entities Search includes consumer discount companies among non-depository licensees. | 2026-10-22 |
| Illinois | Illinois Department of Financial and Professional Regulation (IDFPR), Division of Financial Institutions | Illinois — Official agency information | Illinois — Official lookup guidance | Illinois — Official complaint guidance | Consumer-credit lenders fall in DFI lookup resources, distinct from the separate Banking lookup. | 2026-10-22 |
| Ohio | Ohio Department of Commerce, Division of Financial Institutions (DFI) | Ohio — Official agency information | Ohio — Official lookup guidance | Ohio — Official complaint guidance | DFI has separate bank, credit-union and non-depository search routes; not every Ohio business is DFI-regulated. | 2026-10-22 |
| Georgia | Georgia Department of Banking and Finance (DBF) | Georgia — Official agency information | Georgia — Official lookup guidance | Georgia — Official complaint guidance | 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. | 2026-10-22 |
| North Carolina | North Carolina Office of the Commissioner of Banks (NCCOB) | North Carolina — Official agency information | North Carolina — Official lookup guidance | North Carolina — Official complaint guidance | NCCOB consumer-finance guidance describes certain non-real-estate-secured loans of $25,000 or less. | 2026-10-22 |
| Michigan | Michigan Department of Insurance and Financial Services (DIFS) | Michigan — Official agency information | Michigan — Official lookup guidance | Michigan — Official complaint guidance | DIFS lists distinct regulatory-loan, omnibus and mortgage/consumer-finance locator categories. | 2026-10-22 |
| New Jersey | New Jersey Department of Banking and Insurance (DOBI) | New Jersey — Official agency information | New Jersey — Official lookup guidance | New Jersey — Official complaint guidance | DOBI distinguishes consumer lending from sales finance; its banking complaint route differs from insurance and real estate. | 2026-10-23 |
| Virginia | Virginia State Corporation Commission, Bureau of Financial Institutions (BFI) | Virginia — Official agency information | Virginia — Official lookup guidance | Virginia — Official complaint guidance | BFI Company Search includes consumer finance; NMLS is used for specified mortgage and other categories. | 2026-10-23 |
| Washington | Washington State Department of Financial Institutions (DFI) | Washington — Official agency information | Washington — Official lookup guidance | Washington — Official complaint guidance | Washington directs consumer loan companies to NMLS and lists separate state bank and credit-union routes. | 2026-10-23 |
| Arizona | Arizona Department of Insurance and Financial Institutions (DIFI) | Arizona — Official agency information | Arizona — Official lookup guidance | Arizona — Official complaint guidance | DIFI separates financial complaints from insurance and excludes certain federally chartered institutions and other businesses from its complaint jurisdiction. | 2026-10-23 |
| Massachusetts | Massachusetts Division of Banks (DOB) | Massachusetts — Official agency information | Massachusetts — Official lookup guidance | Massachusetts — Official complaint guidance | DOB’s small-loan and non-depository guidance should not be generalized to every loan amount or federally supervised bank. | 2026-10-23 |
| Tennessee | Tennessee Department of Financial Institutions (TDFI) | Tennessee — Official agency information | Tennessee — Official lookup guidance | Tennessee — Official complaint guidance | TDFI lists industrial loan and thrift and flexible-credit categories; not every Tennessee financial institution is TDFI-regulated. | 2026-10-23 |
| Indiana | Indiana Department of Financial Institutions (DFI) | Indiana — Official agency information | Indiana — Official lookup guidance | Indiana — Official complaint guidance | Indiana DFI’s complaint guide routes loan brokers and collection agencies to the Secretary of State, distinct from DFI-regulated consumer lenders. | 2026-10-23 |
| Maryland | Maryland Office of Financial Regulation (OFR), Department of Labor | Maryland — Official agency information | Maryland — Official lookup guidance | Maryland — Official complaint guidance | Maryland lists consumer and installment-loan lenders in NMLS, but directs charter checks for banks and credit unions to a separate directory. | 2026-10-23 |
| Missouri | Missouri Division of Finance | Missouri — Official agency information | Missouri — Official lookup guidance | Missouri — Official complaint guidance | Missouri distinguishes consumer-credit and installment-lender categories and routes nationally chartered bank complaints to the OCC. | 2026-10-23 |
| Colorado | Colorado Department of Law, Consumer Credit Unit | Colorado — Official agency information | Colorado — Official lookup guidance | Colorado — Official complaint guidance | Colorado’s UCCC resource links to supervised-lender licenses and distinguishes its scope from first-mortgage acquisition and refinance lending. | 2026-10-23 |
| Oregon | Oregon Division of Financial Regulation (DFR) | Oregon — Official agency information | Oregon — Official lookup guidance | Oregon — Official complaint guidance | Oregon provides a specific Consumer Finance Lending category and separates financial-service checks from insurance databases. | 2026-10-23 |
| Wisconsin | Wisconsin Department of Financial Institutions (DFI), Licensed Financial Services | Wisconsin — Official agency information | Wisconsin — Official lookup guidance | Wisconsin — Official complaint guidance | Wisconsin LFS handles listed non-depository providers, with separate mortgage, bank and credit-union complaint routes. | 2026-10-23 |
| Minnesota | Minnesota Department of Commerce | Minnesota — Official agency information | Minnesota — Official lookup guidance | Minnesota — Official complaint guidance | Commerce’s directory separates Regulated Lenders, Industrial Loan and Thrift Companies and Consumer Small Loan Lenders. | 2026-10-23 |
| South Carolina | South Carolina Office of the Commissioner of Consumer Finance | South Carolina — Official agency information | South Carolina — Official lookup guidance | South Carolina — Official complaint guidance | The consumer-finance office’s complaint guidance directs personal-loan, title-loan and payday complaints to the Department of Consumer Affairs. | 2026-10-23 |
| Alabama | Alabama State Banking Department, Bureau of Loans | Alabama — Official agency information | Alabama — Official lookup guidance | Alabama — Official complaint guidance | 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. | 2026-10-23 |
| Connecticut | Connecticut Department of Banking (DOB) | Connecticut — Official agency information | Connecticut — Official lookup guidance | Connecticut — Official complaint guidance | DOB’s small-loan scope includes specified arranging and assistance activities, with exemptions; its complaint route also accepts relevant unlicensed-company issues. | 2026-10-23 |
| Rhode Island | Rhode Island Department of Business Regulation, Banking Division | Rhode Island — Official agency information | Rhode Island — Official lookup guidance | Rhode Island — Official complaint guidance | DBR Banking links to NMLS lookup, separate chartered-institution lists and banking enforcement information. | 2026-10-23 |
| Louisiana | Louisiana Office of Financial Institutions (OFI), Non-Depository Division | Louisiana — Official agency information | Louisiana — Official lookup guidance | Louisiana — Official complaint guidance | OFI separates non-real-estate licensed lending from other products; its complaint guide directs motor-vehicle sales financing to the Motor Vehicle Commission. | 2026-10-23 |
| Kentucky | Kentucky Department of Financial Institutions (DFI) | Kentucky — Official agency information | Kentucky — Official lookup guidance | Kentucky — Official complaint guidance | Kentucky’s Consumer Loan Company guidance references KRS286.4 and provides a licensee-search route; DFI complaint assistance has defined regulatory scope. | 2026-10-23 |
| Oklahoma | Oklahoma Department of Consumer Credit | Oklahoma — Official agency information | Oklahoma — Official lookup guidance | Oklahoma — Official complaint guidance | Oklahoma separates non-depository consumer-credit regulation from the Banking Department’s state-bank role. | 2026-10-23 |
| Iowa | Iowa Division of Banking (IDOB) | Iowa — Official agency information | Iowa — Official lookup guidance | Iowa — Official complaint guidance | IDOB’s verification page lists Regulated Loan and Industrial Loan categories; its complaint guidance separates bank searches from NMLS. | 2026-10-23 |
| Kansas | Kansas Office of the State Bank Commissioner (OSBC) | Kansas — Official agency information | Kansas — Official lookup guidance | Kansas — Official complaint guidance | OSBC Online covers specified charters and consumer-credit filers; other consumer-credit companies use NMLS according to the official lookup instructions. | 2026-10-23 |
| Nebraska | Nebraska Department of Banking and Finance (NDBF) | Nebraska — Official agency information | Nebraska — Official lookup guidance | Nebraska — Official complaint guidance | NDBF’s consumer-lending resources distinguish installment loans, sales finance and loan brokers, with separate search and complaint links. | 2026-10-23 |
| Nevada | Nevada Financial Institutions Division (FID) | Nevada — Official agency information | Nevada — Official lookup guidance | Nevada — Official complaint guidance | Nevada lists Installment Loans separately from deferred-deposit and other license categories and provides a regulator-specific complaint directory. | 2026-10-23 |
| Utah | Utah Department of Financial Institutions (DFI) | Utah — Official agency information | Utah — Official lookup guidance | Utah — Official complaint guidance | Utah identifies Consumer Credit Notification filings and directs CCN verification to NMLS; a notification is not a product recommendation. | 2026-10-23 |
| Idaho | Idaho Department of Finance | Idaho — Official agency information | Idaho — Official lookup guidance | Idaho — Official complaint guidance | The Department provides a licensee and financial-institution search; federal banks and federal credit unions require different complaint routing. | 2026-10-23 |
| Montana | Montana Division of Banking and Financial Institutions (DBFI) | Montana — Official agency information | Montana — Official lookup guidance | Montana — Official complaint guidance | Consumer-loan and sales-finance license information is available through NMLS; bank, credit-union and general consumer complaints follow distinct routes. | 2026-10-23 |
| New Mexico | New Mexico Financial Institutions Division (FID) | New Mexico — Official agency information | New Mexico — Official lookup guidance | New Mexico — Official complaint guidance | 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. | 2026-10-23 |
| Arkansas | Arkansas State Bank Department | Arkansas — Official agency information | Arkansas — Official lookup guidance | Arkansas — Official complaint guidance | The Department’s bank directory and complaint process concern Arkansas state-chartered banks; national and other-state charters have different supervisors. | 2026-10-23 |
| Mississippi | Mississippi Department of Banking and Consumer Finance (DBCF) | Mississippi — Official agency information | Mississippi — Official lookup guidance | Mississippi — Official complaint guidance | DBCF lists distinct nonbank license categories; the stated in-state physical-location requirement applies to its Small Loan category, not automatically to all lenders. | 2026-10-23 |
| West Virginia | West Virginia Division of Financial Institutions (DFI) | West Virginia — Official agency information | West Virginia — Official lookup guidance | West Virginia — Official complaint guidance | Regulated Consumer Lenders are a defined finance-company category; state-bank, mortgage and locally licensed pawnshop matters require separate checks. | 2026-10-23 |
| Delaware | Delaware Office of the State Bank Commissioner (OSBC) | Delaware — Official agency information | Delaware — Official lookup guidance | Delaware — Official complaint guidance | OSBC lists Licensed Lenders separately from Mortgage Loan Brokers and other nondepository providers; complaints depend on institution and activity. | 2026-10-23 |
| New Hampshire | New Hampshire Banking Department | New Hampshire — Official agency information | New Hampshire — Official lookup guidance | New Hampshire — Official complaint guidance | 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. | 2026-10-23 |
| Maine | Maine Bureau of Consumer Credit Protection | Maine — Official agency information | Maine — Official lookup guidance | Maine — Official complaint guidance | 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. | 2026-10-23 |
| Vermont | Vermont Department of Financial Regulation (DFR) | Vermont — Official agency information | Vermont — Official lookup guidance | Vermont — Official complaint guidance | DFR’s Licensed Lender category and NMLS verification concern specified financial businesses; unlicensed-lending concerns and federal institutions can require different assistance routes. | 2026-10-23 |
| North Dakota | North Dakota Department of Financial Institutions (DFI) | North Dakota — Official agency information | North Dakota — Official lookup guidance | North Dakota — Official complaint guidance | North Dakota’s Money Brokering category includes consumer and commercial lending; nondepository verification differs from bank and trust-company charter checks. | 2026-10-23 |
| South Dakota | South Dakota Division of Banking | South Dakota — Official agency information | South Dakota — Official lookup guidance | South Dakota — Official complaint guidance | Money Lender is a defined category; the Division’s consumer guidance distinguishes its licensees and state banks from credit unions and federal depository institutions. | 2026-10-23 |
| Wyoming | Wyoming Division of Banking | Wyoming — Official agency information | Wyoming — Official lookup guidance | Wyoming — Official complaint guidance | Consumer Lender and Sales Finance are separate categories with different covered activities; the Division publishes category-specific licensee lists. | 2026-10-23 |
| Alaska | Alaska Division of Banking and Securities | Alaska — Official agency information | Alaska — Official lookup guidance | Alaska — Official complaint guidance | The Loan Entity resource covers Small Loan and Premium Finance categories with separately dated lists; current-status questions can require confirmation with the Division. | 2026-10-23 |
| Hawaii | Hawaii Division of Financial Institutions (DFI) | Hawaii — Official agency information | Hawaii — Official lookup guidance | Hawaii — Official complaint guidance | DFI lists regulated institutions by category; NMLS links for specified services should not be generalized to all lenders or federally chartered institutions. | 2026-10-23 |
Can you download or cite this directory?
Download the 50-state directory (CSV) or download records, methodology and limitations (JSON). Version 9.0.0 was published October 23, 2026. Source-check dates are recorded separately for each state.
Suggested reference: Borrow Your Loan, U.S. Consumer Lending Resource Directory, version 9.0.0, 50-state edition, October 23, 2026. Cite the individual official agency for a regulatory assertion; cite this directory when referencing the curated cross-state resource list.
How was this directory assembled?
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.
We retained the official program categories and routing distinctions instead of assuming one lender lookup works in every state. Individual state guides explain the corresponding source context. This directory has not verified or recommended any particular lender and is independent of any loan request.
What are its limitations?
The source-check date is a snapshot, not a promise of continuing availability. Registry categories, jurisdiction and complaint procedures can change. A missing search result is not a legal conclusion; a registration is not a guarantee of suitable terms. A complaint does not guarantee a remedy. For an uncertain transaction, ask the agency which program and regulator apply.
Check the state guides, compare mathematical costs in the Loan Cost Index, and read editorial policy and commercial disclosure. Report a broken resource through contact, naming the state and directory version.