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Division of Consumer Finance

Division of Financial Institutions Management Team



Jeremy W. Smith, Director

Jeremy W. Smith joined the Office of Financial Regulation in 2011. He worked as an Analyst and Financial Administrator prior to becoming the Bureau Chief in November 2013. Mr. Smith brings management experience and provides effective leadership in the Division of Financial Institutions. He is a graduate of Florida Atlantic University where he earned a Bachelor’s degree in accounting.

R. Michael Johns, Chief, Bureau of Bank Regulation District I

Mike joined the Florida Office of Financial Regulation in June 2007, and left to work briefly with the FDIC as an examiner in the Kansas City Regional Field Office. Since returning to the OFR, Mike has held multiple positions, including Financial Analyst/Examiner Supervisor in the Tallahassee Regional Office and Financial Administrator of District II. He was appointed Bureau Chief of District 1 in March 2015. Mike earned a Bachelor of Arts and a Master of Fine Arts degree from Florida State University. Mike is a veteran of the United States Navy, and reached the rank of Lieutenant before receiving an honorable discharge in 2003.

Bruce Ricca
Bruce Ricca, Chief, Bureau of Credit Unions

Bruce Ricca has been employed with the OFR for just over 24 years. Initially serving as an examiner, Bruce worked his way towards an analyst position and later became an administrator in the Licensing & Chartering section dealing with de novo, merger, acquisition and conversion applications. Bruce has a Bachelor's degree from the College of Business at FSU. He is also a graduate of the Florida School of Banking in Gainesville, Florida. Prior to joining the Office, Bruce was employed for seven years in the savings & loan and mortgage banking industries, primarily in Southeast Florida. Bruce was promoted to Bureau Chief of the Credit Union Bureau in December 2010 where he oversees the regulation of credit unions.