• 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.

• Division of Consumer Finance
  • Check Cashers, Deferred Presentment Providers, Foreign Currency Exchangers, Money Transmitters, Payment Instrument Issuers
  • Commercial Collection Agencies and Consumer Collection Agencies
  • Consumer Finance Companies
  • Loan Originators, Mortgage Brokers and Branches, Mortgage Lenders and Branches
  • Motor Vehicle Retail Installment Seller, Retail Installment Seller, Sales Finance Companies, Home Improvement Retail Installment Seller
  • 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

Financial Technology Sandbox.  The 2020 Legislature enacted Ch. 2020-161, Laws of Florida,which creates the Financial Technology Sandbox within the Office of Financial Regulation to allow financial technology innovators to test new products and services in a supervised, flexible regulatory sandbox using exceptions to specified general law and waivers of the corresponding rule requirements under defined conditions.  The sandbox allows a licensee to make an innovative financial product or service available to consumers during a period that is initially 24 months but which can be extended one time for an additional 12 months. A financial product or service is a product or service related to a consumer finance loan, money transmitter, or payment instrument seller, including mediums of exchange that are in electronic or digital form, which is subject to the general laws enumerated in the bill and corresponding rule requirements. 

The 2020 Legislature also enacted Ch. 2020-162, Laws of Florida,to create a public records exemption for certain sensitive business information relating to the Financial Technology Sandbox. Specifically, the law makes confidential and exempt from public disclosure the following records.

• The reasons why certain general laws may prevent an innovative financial product or service from being made available to consumers.
• Certain sensitive business information submitted by an applicant when applying for the Financial Technology Sandbox.
• Information provided by an applicant to evaluate whether the applicant has a sufficient plan to test, monitor, and assess the innovative financial product or service.

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

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