50-State Financial Services Licensing Compliance Guide
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Hawaii Finance Licensing

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Licenses are typically required for individuals and businesses that provide finance industry services in the United States. This guide contains information about professional finance licensing in Hawaii.

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Company Licenses

Hawaii Financial Services Company Licenses

Hawaii Collection Agency Branch Office License

Agency:Hawaii Department of Commerce and Consumer Affairs - Professional and Vocational Licensing: Collection Agency Licensing Area
Foreign Qualification is Prerequisite:Yes
Bond Requirements:

$15,000 surety bond for each additional office.

Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Registration Renewal

Filing Method:

Online

Agency Fee:

$309

Due:

By June 30 of even-numbered years.

Hawaii Collection Agency License

Agency:Hawaii Department of Commerce and Consumer Affairs - Professional and Vocational Licensing: Collection Agency Licensing Area
Foreign Qualification is Prerequisite:Yes
Bond Requirements:

$25,000 surety bond.

Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Form:

Application for Registration - Collection Agencies

Agency Fee:

$167 if registering in the second half of the biennial license period and $309 if applying during the first half of the biennial license period.

Registration Renewal

Filing Method:

Online

Agency Fee:

$309

Due:

By June 30 of even-numbered years.

Hawaii Exempt Out-of-State Collection Agency Designation

Agency:Hawaii Department of Commerce and Consumer Affairs - Professional and Vocational Licensing: Collection Agency Licensing Area
Foreign Qualification is Prerequisite:Not Set
Notes:

Agencies licensed under the laws of a different state may apply for this exemption if they are collecting debts on behalf of an out-of-state creditor, do not solicit or engage in collection activities in Hawaii, and only use interstate communication methods such as mail, phone, or fax.

Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Form:

Application for Exempt Out-of-State Collection Agency Designation

Agency Fee:

$25 application fee + $74 if registering in the second half of the biennial license period and $148 if applying during the first half of the biennial license period.

Registration Renewal

Agency Fee:

$148

Due:

By June 30 of even-numbered years.

Notes:

Renewal applications are sent in the mail.

Hawaii Insurance Agency License

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

This section applies to insurance firms that are applying for a license in Hawaii for the first time.

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Form:

http://cca.hawaii.gov/ins/producers/forms/

Agency Fee:

Varies by insurance type. Baseline of $150

Registration Renewal

This section applies to insurance firms that are already licensed in Hawaii and need to renew their license.

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Form:

http://cca.hawaii.gov/ins/producers/forms/

Agency Fee:

Varies by insurance type. Baseline of $150

Due:

Varies by application date

Hawaii Insurance Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$150

Due:

By April 16 of odd-numbered years.

Hawaii Insurance Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

By July 16 of odd-numbered years.

Hawaii Limited Lines Motor Vehicle Rental Company Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Hawaii Limited Lines Motor Vehicle Rental Company Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Hawaii Limited Lines Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Hawaii Limited Lines Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Hawaii Limited Lines Self-Service Storage Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By July 16 of odd-numbered years.

Hawaii Surplus Lines Broker License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By April 16 of odd-numbered years.

Hawaii Surplus Lines Broker License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By July 16 of odd-numbered years.

Hawaii Third Party Administrator License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Required Attachments:
  • Hawaii TPA Checklist (copies acceptable)
  • TPA Application (with original signature)
  • All basic current organizational documents (applicable to business entity
    applicant only):
    a. Articles of Incorporation
    b. Articles of Association
    c. Partnership Agreement
    d. Trade Name Certificate
    e. Trust Agreement
    f. Shareholder Agreement
    g. Bylaws, Rules, Regulations
    • (You will only need to submit organizational documents that is applicable to your business entity. Please make sure each document is labeled appropriately (i.e. if submitting an articles of incorporation, the document should have a heading labeling as such).
    • Attach a copy of the applicable documents to the Checklist
  • Annual Financial Statements (copies acceptable)
    • Annual financial statements for the two most recent years that prove the applicant has a positive net worth and information the commissioner may require to review the current financial condition of the applicant.
    • The financial statements or reports shall be certified by an officer of the applicant and prepared in accordance with Generally Accepted Accounting Principles.
    • See FAQs if the entity was established less than 2 years.
  • Identify all owners with 10% interest or voting interest, partners, officers, and directors of the business entity, or members or managers of a limited liability company.
    • Name, Title, Social Security Number, Date of Birth, Ownership interest
  • The names, addresses, official positions, and professional qualifications of the individuals responsible for the conduct of affairs of the administrator, including all members of the board of directors, board of trustees, executive committee, or other governing board or committee, the principal officers in the case of a corporation, or the partners in the case of a partnership.
  • Applicants Certification and Attestation signed by an officer, director, member/manager, or partners of the business. 
Bond Amount:
  • Surety Bond (notarized signature required)
    • Surety Bond must be at least $100,000. Bond may not be cancelled or terminated until two years have elapsed from the last day the applicant was a TPA, unless the Commissioner has given prior written consent.
    • The Surety bond shall be undertaken and may be enforced in the name of “Commissioner of Insurance, State of Hawaii”.
    • The Surety Bond form is available with the TPA Checklist/Application packet.

Registration Renewal

Filing Method:

Online

Agency Fee:

$450

Due:

By April 16 of odd-numbered years.

Hawaii Third Party Administrator License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the date the application is filed. See details on this page.

Required Attachments:
  • Hawaii TPA Checklist (copies acceptable)
  • TPA Application (with original signature)
  • All basic current organizational documents (applicable to business entity
    applicant only):
    a. Articles of Incorporation
    b. Articles of Association
    c. Partnership Agreement
    d. Trade Name Certificate
    e. Trust Agreement
    f. Shareholder Agreement
    g. Bylaws, Rules, Regulations
    • (You will only need to submit organizational documents that is applicable to your business entity. Please make sure each document is labeled appropriately (i.e. if submitting an articles of incorporation, the document should have a heading labeling as such).
    • Attach a copy of the applicable documents to the Checklist
  • Annual Financial Statements (copies acceptable)
    • Annual financial statements for the two most recent years that prove the applicant has a positive net worth and information the commissioner may require to review the current financial condition of the applicant.
    • The financial statements or reports shall be certified by an officer of the applicant and prepared in accordance with Generally Accepted Accounting Principles.
    • See FAQs if the entity was established less than 2 years.
  • Identify all owners with 10% interest or voting interest, partners, officers, and directors of the business entity, or members or managers of a limited liability company.
    • Name, Title, Social Security Number, Date of Birth, Ownership interest
  • The names, addresses, official positions, and professional qualifications of the individuals responsible for the conduct of affairs of the administrator, including all members of the board of directors, board of trustees, executive committee, or other governing board or committee, the principal officers in the case of a corporation, or the partners in the case of a partnership.
  • Applicants Certification and Attestation signed by an officer, director, member/manager, or partners of the business. 
Bond Amount:
  • Surety Bond (notarized signature required)
    • Surety Bond must be at least $100,000. Bond may not be cancelled or terminated until two years have elapsed from the last day the applicant was a TPA, unless the Commissioner has given prior written consent.
    • The Surety bond shall be undertaken and may be enforced in the name of “Commissioner of Insurance, State of Hawaii”.
    • The Surety Bond form is available with the TPA Checklist/Application packet.

Registration Renewal

Filing Method:

Online

Agency Fee:

$450

Due:

By July 16 of odd-numbered years.

Hawaii Utilization Review License

Not required



Utilization Review licensure is not required on the State level in Hawaii.

There is no license for utilization review in Hawaii, however, employers and insurers are required to follow state guidelines regarding the review process.

Individual Licenses

Hawaii Individual Financial Services Licenses

Hawaii Crop Insurance Adjuster – Limited License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$90

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Independent Adjuster License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Insurance Agent License

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

This section applies to insurance agents that are applying for a license in Hawaii for the first time.

Agency Fee:

From $150 to $2,800 depending on license type

Registration Renewal

Filing Method:

Online

Agency Fee:

Insurance Producer : $150
Surplus Lines Broker : $90 

Due:

Biennially on 16th day of month of initial registration.

Hawaii Insurance Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$150

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Insurance Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?No
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Limited Lines Motor Vehicle Rental Company Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Hawaii Limited Lines Motor Vehicle Rental Company Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Hawaii Limited Lines Producer License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Hawaii Limited Lines Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Hawaii Limited Lines Self-Service Storage Producer License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?No
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Public Adjuster License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$90

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Public Adjuster License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Surplus Lines Broker License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Surplus Lines Broker License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Third Party Administrator License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$450

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Third Party Administrator License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$450

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Workers’ Compensation Adjuster – Limited License - Non-Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$90

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Hawaii Workers’ Compensation Adjuster – Limited License - Resident

Agency:Hawaii Department of Commerce and Consumer Affairs - Insurance Division
Foreign Qualification is Prerequisite:Not Set
Exam Required?Not Set
Registered Agent (Special Agency) Required?Not Set

Initial Registration

Filing Method:

Online

Agency Fee:

Varies by the licensee's birth month and when the application is filed. See details on this page.

Registration Renewal

Filing Method:

Online

Agency Fee:

$135

Due:

By the 16th day of the licensee's birth month. Those born in odd months renew in odd years, those born in even months renew in even years.

Explore licensing in other states:

Adjuster - A person or firm that is paid to adjust, investigate, and negotiate claim settlements. There are 3 categories of adjusters: company, independent, and public. Company adjusters work for insurance companies and investigate claims on behalf of the company. Independent adjusters investigate claims on a contractual basis for insurance companies. Public adjusters investigate claims on behalf of claimants, usually to determine the amount of money that can be claimed.

Agent in Charge - A licensed individual responsible for the supervision of all individuals within an insurance agency. The agent in charge must be licensed in the same lines as the agency.

Insurance Agent - Insurance agents act as intermediaries between the insurance company and policyholders. Agents can be either captive or independent. Captive agents represent a single insurance company, while independent agents represent multiple insurers.

Insurance Broker - Individuals who sell insurance policies while representing the interests of the buyer. Brokers are typically independent intermediaries without an insurance company affiliation.

Insurance Producer - May be used to refer to either individual insurance agents and brokers or insurance agencies and brokerages.

Managing General Agent - An agent or broker that is involved in underwriting and has other areas of authority normally handled by insurers. MGAs are typically involved in unusual lines of coverage or in geographically prohibitive areas.

Surplus Lines Insurer - An insurance carrier that takes on risks that a licensed carrier is unwilling to insure. Surplus lines insurers do not have access to state guaranty funds and are less tightly regulated by state governing bodies.

Third Party Administrator - An organization that manages group insurance policies and works with the employer and insurance carrier to process claims, handle loss control, and provide risk management and consulting services.

Title Agent - Title agents sell insurance that protects real estate owners against loss of ownership of a property due to a legal claim.

Viatical Settlement Provider - A company that purchases life insurance policies at a discount from individuals seeking immediately available funds.

Independent Insurance Agents and Brokers of America (Big “I”)
Advocacy group of independent insurance brokers and agents.

National Association of Insurance and Financial Advisors (NAIFA)
Professional association that advocates for favorable regulatory conditions for insurance agents and financial advisors.

National Association of Insurance Companies (NAIC)
A standard setting and regulatory support organization that is governed by state insurance regulators.

National Association of Professional Insurance Agents (PIA)
Professional association that provides education and advocacy for insurance agents throughout the United States.

National Insurance Producer Registry (NIPR)
An affiliate of the NAIC that provides streamlined and uniform producer licensing processes.

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