The mission of the Office of Financial Regulation (OFR) is to protect the citizens of Florida, promote a safe and sound financial marketplace, and contribute to the growth of Florida's economy with smart, efficient and effective regulation of the financial services industry.

OFR provides regulatory oversight for Florida's financial services industry through three divisions and one bureau.

• Division of Consumer Finance licenses and regulates non-depository financial service industries and individuals and conducts examinations and complaint investigations for licensed entities to determine compliance with Florida law.
• Division of Financial Institutions conducts periodic risk-based examinations and ensures that each state-chartered financial institution meets state and federal requirements for safety and soundness.
• Division of Securities administers and enforces compliance with the Florida Securities and Investor Protection Act, designed to protect the investing public and promote economic growth. The division regulates the sale of securities in, to or from Florida by firms (securities dealers, issuer dealers and investment advisers), branch offices, and individuals affiliated with these firms to determine compliance with Florida law.
• Bureau of Financial Investigations is the criminal justice arm of the agency that conducts investigations of the financial services industry and participates in joint investigations with local, state, and federal law enforcement agencies.

Through its three divisions, OFR regulates numerous entities, which totaled 156,832 as of May 2021.  

• Division of Consumer Finance
  • Commercial Collection Agencies and Consumer Collection Agencies
  • Consumer Finance Companies
  • Financial Technology Sandbox
  • Loan Originators, Mortgage Brokers and Branches, and Mortgage Lenders and Branches
  • Check Cashers, Deferred Presentment Providers, Foreign Currency Exchangers, and Money Transmitters, Payment Instrument Issuers
  • Motor Vehicle Retail Installment Seller, Retail Installment Seller, Sales Finance Companies, and Home Improvement Retail Installment Sellers
  • Title Loan Companies
• Division of Financial Institutions
  • Commercial Banks
  • Credit Unions
  • Family Trust Companies
  • Non-Deposit Trust Companies
  • International Bank and Trust Company Offices
• Division of Securities
  • Canadian Dealers
  • Crowdfunding Issuers
  • Dealers - FINRA Member and Non-FINRA Member
  • Investment Advisers - Federal Covered and State Registered Advisers
  • Issuer/Dealers
  • Securities Offerings

OFR maintains a website where citizens may verify the license of businesses and individuals it regulates. 

Reports
Fast Facts, Florida Office of Financial Regulation, January 2020.
A complete list of Auditor General reports on department operations is available on its website.
Websites of Interest
Office of Financial Regulation News
Florida Bankers Association
Florida International Bankers Association
Mortgage Bankers Association of Florida
Florida Association of Mortgage Professionals
League of Southeastern Credit Unions & Affiliates
Florida Securities Dealers Association
Performance Information
Performance measures and standards for the department may be found in its Long Range Program Plan.

Chapters 494, 516, 517, 520, 537, 559, 560, 655, 657, 658, 660, 663, 665, 667, and 687, and s. 20.121 (3)(a)2, Florida Statutes.

Office of Financial Regulation, 850-487-9687
Division of Consumer Finance, option 1
Division of Securities, option 2
Division of Financial Institutions, option 3

Website