The Department of Business Oversight (DBO) protects consumers and oversees financial service providers and products. The DBO supervises the operations of state-licensed financial institutions, including banks, credit unions and money transmitters. Additionally, the DBO licenses and regulates a variety of financial service providers, including securities brokers and dealers, investment advisers, payday lenders and other consumer finance lenders. For a complete list of the types of financial services providers and industries regulated by the DBO, go to http://www.dbo.ca.gov/Licensees/default.asp.

 

visit the DOCQNET Sel-Service PortalSelf-Service Portal – The Department of Business Oversight (DBO) Self-Service Portal offers convenient online services to consumers and companies and individuals seeking to obtain a license from DBO. The Portal allows licensees to submit online applications, exemption notices and annual report information. Portal users can also search for licensees, applicants, notice filers, securities and franchise filings and more.

For Consumers

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Financial Statistics and Industry Data

Highlighted Resources

Nationwide Multistate Licensing System and Registry (NMLS) - System of record for non-depository, financial services licensing or registration.

 

NMLS Consumer Access – A free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state

Mortgage Education and Outreach – Consumer education about homeownership, mortgage fraud and foreclosure prevention



Seniors Against Investment Fraud – Provides California seniors with information and resources to make informed financial decisions as well as how to avoid fraud and scams

 


Protect Yourself From Fraud For Servicemembers and Veterans – Information for military community to help them make smart financial decisions, avoid predatory lending and protect themselves from financial fraud and scams

 

DBO Online Financial Education – Online financial education tool. This short interactive learning experience will prepare you with the right skills to manage your financial future!

 

California Financial Literacy Month – Provides information, news and resources to help Californians make informed financial decisions and achieve their financial goals

 

CA Senior Gateway – One-stop website intended to provide seniors, their families, and caregivers with the information they need to connect to helpful services and resources, to find answers, and solve problems

Keep Your Home California – Programs to help California homeowners retain their homes if they have suffered a financial hardship

 

CalHFA – Provides financing and programs that create safe, decent and affordable housing opportunities for low to moderate income Californians

 

CalBRE – The Bureau of Real Estate (CalBRE) licenses and regulates the real estate industry and some mortgage loan originators

 

Unclaimed Property Search  - California State Controller's Office operates the State's Unclaimed Property program.

 


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Consumer Alerts

More than 15 million Californians affected by Equifax hack (09/13/17)

Commissioner of Business Oversight Jan Lynn Owen today urged all Californians to check immediately and take protective measures if they are among those who personal information may have been compromised in the massive Equifax data breach.

Equifax, a credit reporting company, disclosed on September 7 that criminal hackers gained access to personal information – names, Social Security numbers, credit card numbers, birth dates, addresses, and in some cases, driver license numbers – of 143 million U.S. consumers, including more than 15 million Californians. Read more at the Consumer Alerts page.

James A. Reeves, dba JamesReeves Loan Service LLC, fraudulently purporting to hold DBO license (09/07/17)

The Department of Business Oversight (DBO) has been notified of Craigslist ads being run by an individual, James A. Reeves, or James Reeves dba “JamesReeves Loan Service LLC” (James Reeves Loan Service, JamesReeves Financial Services).  These ads and follow-up emails read, in part:  Financial Angel Needed (Capital Region).  I am looking for a financial angel to assist in several ventures that I am undertaking in the next week. Able to repay after four years. Willing to negotiate terms and interest rate (no more than 8%).” Read more at the Consumer Alerts page.

September is recognized as College Savings Month!
In an effort to promote college savings and 529 college savings plans, many organizations are encouraging consumers of all ages, to start thinking about saving for one of the most important decisions of your life! Whether you’re planning ahead, attending college soon, are a current student, or already have student loans, the Consumer Financial Protection Bureau (CFPB) has important  tools and resources to help you make the best decisions for you, visit https://www.consumerfinance.gov/paying-for-college/ and the FDIC’s Money Smart program has suggestions on saving for college and other important life events, visit https://go.usa.gov/xRtGD. For more consumer education information, see DBO’s Consumer Education & Outreach page.

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