Mortgage Lending

Loans established by author- ized individuals or institutions for those who cannot buy property with their own funds.

Consumer Lending

Loans made to individuals for personal purposes, monitored for consumer protection compliance.

Payday Lending

Small, short-term transactions provided to cover a borrower’s expenses until his or her next payday.

Check Cashing

Check-cashing services provided by non-bank entities or stores for nominal fees.

The Consumer Finance Division (CFD) licenses and regulates the business activities of all companies, excluding depository institutions or insurance companies, that make consumer loans which have annual percentage rates exceeding 12% and are not secured by real property or a residential dwelling.

Entities that are involved solely in retail sales agreement transactions are not required to be licensed by the CFD.

Licenses are issued and regulated pursuant to The South Carolina Consumer Protection Code, Title 37, and, in some instances, The Consumer Finance Act, Title 34 Chapter 29.

Please click below to access the current list of licensees.

Consumer Licensees

Deferred Presentment Licensees

Check Cashing Licensees


Notes from the Chairman's Desk (Curtis M. Loftis, Jr.)

Report State Agency Fraud (Office of the Inspector General)