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Division of Consumer Finance

Welcome to the Division of Financial Institutions

What We Do

Florida has dual oversight of the banking system, meaning that financial institutions are regulated by both state and federal agencies. The 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. The division is organized into two Bureaus of Bank Regulation (District I & II) and a Bureau of Credit Unions.

Bureau of Bank Regulation District I (North): conducts examinations and regulates state-chartered commercial banks in central and northern Florida.

Bureau of Bank Regulation District II (South): conducts examinations and regulates state-chartered commercial banks in southern Florida and is also responsible for trust companies, trust departments and international bank offices statewide.

Bureau of Credit Union Regulation: conducts examinations and regulates state-chartered credit unions throughout Florida.

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Notice Regarding Collection and Use of Social Security Numbers

The following disclosure is made pursuant to Sections 119.071(5)(a)2.a. and b., Florida Statutes:

The Division of Financial Institution’s (DFI) collection of social security numbers is not expressly authorized by or mandatory under federal or state law, but it is imperative for the performance of the DFI’s duties and responsibilities as prescribed by Title XXXVIII, Florida Statutes, to facilitate the identification of individuals and ensure the safe and sound management and operations of financial institutions. Social security numbers collected by the DFI may not be used by the DFI for any purpose other than the purpose provided in this notice. Social security numbers held by the DFI are confidential and exempt from Section 119.07(1), F.S., and Section 24(a), Article I of the State Constitution.

Who We Are

Meet the Division of Financial Institutions Management Team.

Statutes and Rules We Regulate

  • Chapter 655, Florida Statutes - Financial Institutions
  • Chapter 657, Florida Statutes - Credit Unions
  • Chapter 658, Florida Statutes - Banks and Trust Companies
  • Chapter 660, Florida Statutes - Trust Business
  • Chapter 662, Florida Statutes - Family Trust Companies
  • Chapter 663, Florida Statutes - International Banking
  • Chapter 665, Florida Statutes - Capital Stock Associations
  • Chapter 667, Florida Statutes - Savings Banks
  • Chapter  69U-100 through 69U-150, Florida Administrative Code - Florida Financial Institutions Rules

Materials Incorporated by Reference in Division of Financial Institutions Rules