1.14- What is a Mortgage Regulator?


The Federal Government regulates the Mortgage Industry through a number of Acts passed by Congress. Mortgage lenders must follow rules set by the Federal government to ensure borrowers are treated fairly and equitably by the lenders.

Following is a list of State Regulators:



Alabama State Banking Department          (334) 242-3585  http://www.bank.state.al.us




Alaska State Revenue Department           (907) 465-2300         http://www.revenue.state.ak.us



Arizona State Banking Department           (602) 255-4421         http://www.azbanking.com



Arkansas State Bank Department           (501) 324-9028         http://www.state.ar.us/bank/



California State Department of Financial Institutions           (415) 263-8507         http://www.dfi.ca.gov/



Colorado State Housing and Finance Agency           (303) 297-2432         http://www.colohfa.org



Colorado State Uniform Consumer Credit Code Office           (303) 866-4494         http://www.ago.state.co.us/UCCCHOME.htm



Connecticut State Banking Department           (860) 240-8299         http://www.state.ct.us/dob/



Delaware State Finance Department           (302) 577-8979         http://www.state.de.us/finance/index.htm



District of Columbia Housing Finance Agency           (202) 777-1600         http://www.dchfa.org



Florida State Department of Banking and Finance           (850) 410-9286         http://www.dbf.state.fl.us



Georgia State Banking and Finance Department           (770) 986-1633         http://www.state.ga.us/dbf



Hawaii State Budget and Finance Department           (808) 586-1518         http://www.state.hi.us/budget/



Idaho State Finance Department           (208) 332-8000         http://www2.state.id.us/finance/dof.htm



Illinois State Office of Banks and Real Estate           (217) 782-3000         http://www.obre.state.il.us



Indiana State Financial Institutions Department           (317) 232-3955         http://www.in.gov/dfi/



Iowa State Revenue and Finance Department           (515) 281-3135         http://www.state.ia.us/tax/



Kansas State Office of the State Bank Commissioner           (785) 296-2266         http://www.osbckansas.org



Kentucky State Finance and Administration Cabinet           (502) 564-4240         http://www.state.ky.us/agencies/finance/



Louisiana State Housing Finance Agency           (225) 342-1320         http://www.lhfa.state.la.us/



Maine Office of Consumer Credit Regulation under the Bureau of Banking           (207) 626-8527         http://www.mainehousing.org



Maryland State Housing and Community Development Department           (800) 756-0119         http://www.dhcd.state.md.us/


Massachusetts Division of Banks           (617) 956-1500         http://www.state.ma.us/dob/



Michigan Office of Financial and Insurance Services           (517) 373-3470         http://www.cis.state.mi.us/ofis/



Minnesota State Housing Finance Agency           (651) 296-7608         http://www.mhfa.state.mn.us/



Mississippi State Finance and Administration Department           (601) 359-3402         http://www.dfa.state.ms.us/



Missouri State Housing Development Commission           (816) 759-6600         http://www.mhdc.com



Montana State Commerce Department, Banking & Financial Institutions Division           (406) 444-2091         http://commerce.state.mt.us



Nebraska State Banking and Finance Department           (402) 471-2171         http://www.ndbf.org/



Nevada State Business and Industry Department           (775) 486-7220         http://www.state.nv.us/b&i/



New Hampshire State Banking Department           (603) 271-3561         http://www.state.nh.us/banking/



New Jersey State Banking and Insurance Department           (609) 292-5360         http://www.state.nj.us/dobi/NJHOMEPG.HTML



New Mexico State Finance and Administration Department           (505) 827-4985          http://www.state.nm.us/clients/dfa/index.html



New York State Banking Department           (212) 618-6642         http://www.banking.state.ny.us/



North Carolina Commissioner of Banks           (919) 733-3016         http://www.banking.state.nc.us



North Dakota State Banking and Financial Institutions Department           (701) 328-9933         http://www.state.nd.us/dfi/



Ohio Department of Commerce, Division of Financial Institutions           (614) 728-8400         http://www.com.state.oh.us/dfi/



Oklahoma State Banking Department           (405) 521-2782         http://www.state.ok.us/~osbd/



Oregon State Housing and Community Services Department           (503) 986-2000         http://www.hcs.state.or.us



Pennsylvania State Banking Department           (717) 787-2665         http://www.banking.state.pa.us



Puerto Rico State Office of the Financial Institutions Commissioner           (787) 723-3131         http://www.cif.gov.pr



Rhode Island State Business Regulation Department           (401) 222-2246         http://www.dbr.state.ri.us



South Carolina Department of Consumer Affairs           803) 734-2000         http://www.state.sc.us/consumer



West Virginia State Tax and Revenue Department, Banking Commission           (304) 558-2294         http://www.wvdob.org/



Wisconsin State Financial Institutions Department           (608) 266-1622         http://www.wdfi.org



Wyoming State Revenue Department           (307) 777-7961     http://www.state.wy.us/business.html