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REGULATORY DIRECTORY
State Regulators & Loan License Verification
Use this directory before relying on a short-term credit offer. It connects each MVP state guide with the controlling legal framework and the official regulator or license-verification path. External official sources are routed through our Primary Source Index.
19state regulatory guides
3states where a conventional payday application is not presented
Aug 25, 2026directory review date
How to use the directory
1
Find your state. Check whether the page uses a payday/deferred-presentment structure, a state-specific installment structure, or a lawful alternative path.
2
Open the verification path. The link goes to our source page, then to the regulator or official statute.
3
Match the legal provider. The company named in the written agreement should match the appropriate license or regulatory record.
4
Compare actual terms. State law sets boundaries; the written offer controls the amount, charges, payment dates and provider role for the specific transaction.
19-state regulatory and licensing directory
| State | Product status | Primary law / framework | Regulator | Official verification | MVP guide |
|---|---|---|---|---|---|
| Alabama | State-regulated Deferred-presentment lending permitted subject to state limits and database rules. | Alabama Deferred Presentment Services Act | Alabama State Banking Department | Official verification path → | State guide → |
| Arizona | Payday not presented Conventional licensed payday lending is not presented as an available Arizona product. | Arizona consumer-lender framework; former payday-lender enabling law expired in 2010 | Arizona Department of Insurance and Financial Institutions (DIFI) | Official verification path → | State guide → |
| California | State-regulated Deferred-deposit transactions are permitted for properly licensed providers within the statutory structure. | California Deferred Deposit Transaction Law — Financial Code § 23000 et seq. | California Department of Financial Protection and Innovation (DFPI) | Official verification path → | State guide → |
| Colorado | Special structure Short-term credit is presented under the current Colorado UCCC framework, not as a one-paycheck payday promise. | Colorado Uniform Consumer Credit Code (C.R.S. Title 5) | Colorado Attorney General — Consumer Credit Unit | Official verification path → | State guide → |
| Florida | State-regulated Deferred-presentment transactions are permitted for licensed providers subject to state limits and database rules. | Florida Deferred Presentment Act — Fla. Stat. §§ 560.402–560.408 | Florida Office of Financial Regulation (OFR) | Official verification path → | State guide → |
| Georgia | Payday not presented Conventional payday lending is generally prohibited; the page routes to lawful alternatives only. | Georgia payday-lending prohibition and lawful installment-lending framework | Georgia Department of Banking and Finance / Georgia Attorney General | Official verification path → | State guide → |
| Idaho | State-regulated Payday lending is permitted within the Idaho statutory framework and current license requirements. | Idaho Credit Code — payday loans, Idaho Code §§ 28-46-401 through 28-46-416 | Idaho Department of Finance | Official verification path → | State guide → |
| Indiana | State-regulated Small loans are permitted subject to Indiana’s current amount, fee and licensing rules. | Indiana Uniform Consumer Credit Code — Chapter 7 Small Loans | Indiana Department of Financial Institutions (DFI) | Official verification path → | State guide → |
| Kentucky | State-regulated Deferred-deposit transactions are permitted subject to state limits, database controls and current 2026 law. | Kentucky Deferred Deposit Service Business law — KRS Chapter 286.9; KRS § 286.9-100 and 2026 SB 219 changes | Kentucky Department of Financial Institutions (DFI) | Official verification path → | State guide → |
| Michigan | State-regulated Deferred-presentment services are permitted for licensed providers and tracked through the state system. | Michigan Deferred Presentment Service Transactions Act | Michigan Department of Insurance and Financial Services (DIFS) | Official verification path → | State guide → |
| Missouri | State-regulated Payday loans are permitted within Missouri’s consumer-credit framework and current renewal/total-cost rules. | Missouri payday-loan statutes — Mo. Rev. Stat. §§ 408.500–408.506 | Missouri Division of Finance | Official verification path → | State guide → |
| North Carolina | Payday not presented The page does not offer a conventional payday application and routes to lawful alternatives. | North Carolina consumer-finance framework; conventional payday lending is not authorized | North Carolina Office of the Commissioner of Banks / NC Department of Justice | Official verification path → | State guide → |
| Ohio | Special structure Short-term loans are installment-style products under Ohio’s current statutory framework. | Ohio Short-Term Loan Act — Ohio Rev. Code § 1321.35 et seq. | Ohio Division of Financial Institutions | Official verification path → | State guide → |
| Texas | Special structure A credit access business may arrange credit from an independent third-party lender; city ordinances can add local rules. | Texas Finance Code Chapter 393 — Credit Services Organizations / Credit Access Businesses | Texas Office of Consumer Credit Commissioner (OCCC) | Official verification path → | State guide → |
| Utah | State-regulated Deferred-deposit lending is regulated through Utah’s registration and disclosure framework. | Utah Check Cashing and Deferred Deposit Lending Registration Act — Utah Code Title 7, Chapter 23 | Utah Department of Financial Institutions | Official verification path → | State guide → |
| Virginia | Special structure Licensed Virginia short-term loans use scheduled installments under the current statutory framework. | Virginia Short-Term Loan Act — Va. Code Title 6.2, Chapter 18 | Virginia State Corporation Commission — Bureau of Financial Institutions | Official verification path → | State guide → |
| Washington | State-regulated Payday loans are permitted for licensed providers within Washington amount, fee, term and usage limits. | Washington Check Cashers and Sellers Act — RCW 31.45 | Washington State Department of Financial Institutions (DFI) | Official verification path → | State guide → |
| Wisconsin | State-regulated Payday lending is regulated under Wisconsin’s licensing and disclosure framework. | Wisconsin payday-lender law — Wis. Stat. § 138.14 | Wisconsin Department of Financial Institutions (DFI) | Official verification path → | State guide → |
| Wyoming | State-regulated Post-dated check cashing / short-term lending is permitted under Wyoming’s statutory framework. | Wyoming Consumer Credit Code — Wyo. Stat. §§ 40-14-363 through 40-14-365 | Wyoming Division of Banking | Official verification path → | State guide → |
What a license check does — and does not — tell you
Confirms a regulatory recordA license or registration check helps verify that the legal entity appears in the appropriate official system.
Does not replace the agreementYou still need the exact APR or finance charge, payment dates, total repayment and cancellation/default terms.
Does not guarantee approvalEligibility, amount, timing and final terms depend on the actual review and product available for your state and ZIP.
I was surprised by how straightforward the process felt. I got through the application without bouncing between a bunch of different pages.
AH
Ashley HillDebt Consolidation
The process worked for me and I’d call it pretty straightforward. I got through the application without bouncing between a bunch of different pages. Nothing major went wrong, there was just a little more waiting than I expected.
GS
Gabriel StewartCash Advance
I got through the application without much trouble. The repayment dates were easy to follow and lined up reasonably well with my paycheck. I’d use it again if I really needed to, but I’d still compare the total cost first.
SR
Stephanie RobertsPayday Loans
This was my second time using an online loan service and this went much smoother. The timing was good for what I needed, though bank posting time is its own thing. For an online process, it felt pretty human and not like I was just clicking into a black box.
LL
Lauren LopezInstallment Loans
I was surprised by how straightforward the process felt. The person I spoke with actually explained what I needed instead of rushing me off the phone. I still read the repayment details carefully, but there were no surprises for me.
JA
Jennifer AllenPersonal Loans
Read the terms, not only reviews
- Check total cost and payment dates
- Confirm state availability
- Review approval and funding conditions
- Compare alternatives before borrowing