50-State Financial Services Licensing Compliance Guide
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Kentucky 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 Kentucky.

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Company Licenses

Kentucky Financial Services Company Licenses

Kentucky Check Cashing Branch License

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$500

Kentucky Check Cashing License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$500 license/registration fee + $15 credit report fee

Kentucky Collection Agency License

Not required



Debt Collection Agency licensure is not required on the State level in Kentucky.

Kentucky does not currently issue licenses for collection agencies.

Kentucky Consumer Loan Company License

Agency:Kentucky Department of Financial Institutions - Division of Non-Depository Institutions
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

New Application

Filing Method:

Online

Agency Fee:

$500 application fee + $500 license fee + $15 per person credit report fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$500 license fee + $100 processing fee

Due:

Annually by December 31.

Supplemental Reporting

Agency Fee:

$0

Due:

Annually by January 30.

Law:

KY Stat. § 286.4-590

Notes:

Each licensee shall annually on or before January 30, file with the commissioner a report for the preceding calendar year. The report shall give information with respect to the financial condition of the licensee and other relevant information as the commissioner may reasonably require.

Kentucky Consumer Loan Company License (Branch)

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$500 application fee + $500 license/registration fee

Kentucky Deferred Deposit Service Business

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$500 license/registration fee (if not current) + $15 credit report fee

Kentucky Deferred Deposit Service Business Branch License

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$500 license/registration fee (if not current) + $15 credit report fee

Kentucky Deferred Deposit Service Business Registration

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$15 credit report fee

Kentucky Exempt Mortgage Company Branch Registration

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 per headquarters + $20 per branch

Kentucky Exempt Mortgage Company Registration

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 per headquarters + $20 per branch

Kentucky Federal Student Loan Servicer License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$0

Kentucky Money Transmitter License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$1100 + $15 credit report fee

Kentucky Mortgage Broker License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$5,100

Kentucky Mortgage Broker License (Branch)

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20

Kentucky Mortgage Company License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$5,100

Kentucky Mortgage Company License (Branch)

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20

Kentucky Sales Finance Company License

Not required



Sales Finance Company licensure is not required on the State level in Kentucky.

Kentucky does not currently issue licenses to sales finance companies.

Kentucky Student Loan Servicer License

Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$5000 application fee + $15 credit report fee

Kentucky Student Loan Servicer License (Branch)

Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$0

Individual Licenses

Kentucky Individual Financial Services Licenses

Kentucky Loan Originator License

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$30 + $50 license/registration fee + $15 credit report fee + $36.25 background check fee

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