50-State Financial Services Licensing Compliance Guide
Kentucky Finance Licensing
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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Kentucky Financial Services Company Licenses
Kentucky Check Cashing Branch License
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $500 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
Kentucky Check Cashing 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: | |
| Filing Method: | |
| Agency Fee: | $500 license/registration fee + $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
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: | |
| Filing Method: | |
| Agency Fee: | $500 application fee + $500 license fee + $15 per person credit report fee |
Registration Renewal
| Filing Method: | |
| 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)
| 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: | |
| Filing Method: | |
| Agency Fee: | $500 application fee + $500 license/registration fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
Kentucky Deferred Deposit Service Business
| 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: | |
| Filing Method: | |
| Agency Fee: | $500 license/registration fee (if not current) + $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
Kentucky Deferred Deposit Service Business Branch License
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $500 license/registration fee (if not current) + $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
Kentucky Deferred Deposit Service Business Registration
| 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: | |
| Filing Method: | |
| Agency Fee: | $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Exempt Mortgage Company Branch Registration
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $100 per headquarters + $20 per branch |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Exempt Mortgage Company Registration
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $100 per headquarters + $20 per branch |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Federal Student Loan Servicer 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: | |
| Filing Method: | |
| Agency Fee: | $0 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Money Transmitter 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: | |
| Filing Method: | |
| Agency Fee: | $1100 + $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $500 |
| Due: |
|
Kentucky Mortgage Broker 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: | |
| Filing Method: | |
| Agency Fee: | $5,100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Mortgage Broker License (Branch)
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $20 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Mortgage 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: | |
| Filing Method: | |
| Agency Fee: | $5,100 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Mortgage Company License (Branch)
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $20 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
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
| 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: | |
| Filing Method: | |
| Agency Fee: | $5000 application fee + $15 credit report fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Kentucky Student Loan Servicer License (Branch)
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
| Foreign Qualification is Prerequisite: | No |
| Registered Agent (Special Agency) Required? | No |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $0 |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $0 |
| Due: |
|
Individual Licenses
Kentucky Individual Financial Services Licenses
Kentucky Loan Originator License
| Agency: | Kentucky Department of Financial Institutions - Division of Non-Depository Institutions |
Initial Registration
| Instructions: | |
| Filing Method: | |
| Agency Fee: | $30 + $50 license/registration fee + $15 credit report fee + $36.25 background check fee |
Registration Renewal
| Filing Method: | |
| Agency Fee: | $50 |
| Due: |
|
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