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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.

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.