Statutes and Regulations

Kentucky Revised Statutes, Kentucky Administrative Regulations and other useful information regarding Kentucky law can be found on the Kentucky Legislature Web site. The Kentucky Financial Services Code was created in 2006 after 11 different chapters of the Kentucky Revised Statutes were combined into a single chapter, KRS Chapter 286. Click the following link for more information on the renumbering. [Doc 26K] If you have a suggestion for legislative/regulatory changes please e-mail it to kfi@ky.gov.

    Statutes and Administrative Regulations
    KRS 286.1 Department of Financial Institutions
    KRS 286.2 Financial Institutions Generally
    KRS 286.3 Banks and Trust Companies
    KRS 360 Interest and Usury
    808 KAR 1:020 Excess Funds Transaction
    808 KAR 1:050 Retention of Records
    808 KAR 1:060 Automated Teller Machines
    808 KAR 1:080 Investments in Bank Service Corporations by State-Chartered Banks
    808 KAR 1:090 Stay of Notice of Intention to Remove from Office
    808 KAR 1:100 Information to be Furnished and Maintained by Banks
    808 KAR 1:110 Investment of Bank Funds
    808 KAR 1:120 Loans Secured by Government Obligations
    808 KAR 1:130 Loan Production Offices
    808 KAR 1:140 Bank Annual Assessment Fee
    808 KAR 1:150 Establishment and Relocation of Bank Branches or Offices
    Enforcement Actions

    Statutes and Administrative Regulations
    KRS 286.6 Credit Unions
    808 KAR 3 Credit Unions

    Statutes and Administrative Regulations
    KRS 286.4 Consumer Loan Companies
    808 KAR 6 Consumer Loan
    KRS 286.7 Industrial Loan Corporations
    808 KAR 5 Industrial Loan
    Other Business Exceptions
    KRS 286.4-470(1)
    Authority to Issue Credit Cards Citifinancial [PDF 49.5KB]
    Authority to Issue Credit Cards HSBC [PDF 65.5KB] 
    Authority to Issue Credit Cards Wells Fargo [PDF 41.4KB]

    Statutes and Administrative Regulations
    KRS 286.8 Mortgage Loan Companies and Brokers
    808 KAR 12 Mortgage Loan 
    Enforcement Actions

    Statutes and Administrative Regulations
    KRS 286.11 Kentucky Money Transmitters

    Statutes and Administrative Regulations
    KRS 286.9 Deferred Deposit Service Business and Check Cashers
    KRS 286.10 Title Pledge Lending
    808 KAR 9 Check Cashing
    Enforcement Actions

    Securities Regulations
    KRS 292 Securities Act of Kentucky
    808 KAR 10 Securities Regulations
    DeMinimus Rules [PDF 35KB]
    Enforcement Actions

     Orders and notices can be found on the Advisory Opinions page.

     Orders pertaining to enforcement or disciplinary action can be found on the Enforcement Actions pages.

     Request for Notification of Administrative Regulation [PDF 70KB]

Department of Financial Institutions
1025 Capital Center Drive
Suite 200
Frankfort, KY 40601
Phone: 502-573-3390
Toll free: 800-223-2579
Fax: 502-573-0086
E-mail: kfi@ky.gov