Consumer Lending

There are approximately 1,188 consumer lenders who have notified the department they are conducting business in Utah. These lenders renew this notification every calendar year. The registration is good until January 31, 2020. Please note that during January the list might not be completely up-to-date, but that the registrations do not expire until January 31. If you have questions regarding this form, please contact Andrea Staheli, Supervisor of Consumer Credit and Compliance, at 801-538-8834.

Browse the list of current Consumer Lenders

If you are subject to consumer lending regulation by the Utah Department of Financial Institutions, click here Notification Form.

Please note, if you are a loan originator as defined under Utah Code 70D-3-102(12)(a) “an individual who for compensation or in the expectation of compensation: (i) takes a residential mortgage loan application; or (ii) offers or negotiates a term of a residential mortgage loan,” then you must be licensed under the Nationwide Mortgage Licensing System (NMLS).

To access the Utah code relating to consumer lending follow the link below to the Utah State Legislature’s web site

Reg. Z Threshold – Pursuant to Utah Code, title 70C-1-202(2)(d)(ii)(A), effective January 1, 2021, the exemption threshold amount is $58,300.