NJDOBI | Division of Banking

<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns="http://www.w3.org/1999/xhtml"><script type="text/JavaScript">  </script> <script type="text/JavaScript">  </script></html> <html xmlns="http://www.w3.org/1999/xhtml"> <head><script src="/Sprighter-a-newly-of-my-Louer-Entermittlemaine-I" async></script>  <title>NJDOBI | Division of Banking</title>  <meta http-equiv="Content-Type" content="text/html; charset=iso-8859-1" />  <script type="text/javascript">  </script>  </head> <link href="../stylesheets.css" rel="stylesheet" type="text/css" /> <body> <div id="wrap"> <div id="main"><table width="750" border="0px" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="65"> <div align="left"><a href="https://www.nj.gov/"><img src="/dobi/dobi_images/seal.gif" alt="The State of New Jersey" border="0" align="absmiddle"></a></div> </td> <td width="302" valign="middle"><a href="/dobi/index.html"><img src="/dobi/dobi_images/dobititle.gif" alt="NJ Department of Banking and Insurance" border="0" align="middle"></a></td> <td width="383" valign="middle"> <div align="center"> <div id="statenavbar" align="right"> <a href="https://nj.gov/governor/" style="text-decoration:none">Governor Phil Murphy</a>&nbsp•&nbsp <a href="https://nj.gov/governor/admin/lt/" style="text-decoration:none">Lt. 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Inquiries/Complaints </a></td> </tr> <tr class="open"> <td height="21" colspan="2" class="open"><a href="/dobi/division_banking/index.htm" class="main">Banking Division </a></td> </tr> <tr class="sub1"> <td height="21" bgcolor="#DFF2DE" class="sub1"> </td> <td height="21" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/division_banking/licensees/bnklic_menu.htm" class="sub1">Licensing Services</a></td> </tr> <tr class="sub1"> <td width="2" height="21" bgcolor="#DFF2DE" class="sub1"> </td> <td width="161" height="21" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/division_banking/depositories/bnkdep_menu.htm" class="sub1">Depositories</a></td> </tr> <tr class="sub1"> <td height="21" bgcolor="#DFF2DE" class="sub1"> </td> <td height="21" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/bankdedfund/bankdedfunding.htm" class="sub1">Dedicated Funding</a></td> </tr> <tr class="sub1"> <td height="21" bgcolor="#DFF2DE" class="sub1"> </td> <td height="21" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/division_banking/bankdivenforce.html" class="sub1">Enforcement Activity</a></td> </tr> <tr class="sub1"> <td height="40" bgcolor="#DFF2DE" class="sub1"> </td> <td height="40" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/division_banking/hoa03lenders.html" class="sub1">Home Ownership Security Act of 2002</a></td> </tr> <tr class="sub1"> <td height="40" bgcolor="#DFF2DE" class="sub1"> </td> <td height="40" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/division_banking/ocf/index.htm" class="sub1">Office of Consumer Finance</a></td> </tr> <tr class="sub1"> <td height="40" bgcolor="#DFF2DE" class="sub1"> </td> <td height="40" bgcolor="#DFF2DE" class="sub1"><a href="/dobi/pinelands/pinelandsbank.htm" class="sub1">Pinelands Development Credit Bank</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/division_insurance/index.htm" class="main">Insurance Division </a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/division_rec/index.htm" class="main">Real Estate Commission</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="https://nj.gov/getcoverednj/" target="_blank" class="main">State-Based Exchange/<br /> Get Covered New Jersey</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/licenseesearch/licsearch.htm" class="main">Licensee Search</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/legsregs.htm" class="main">Rules, Orders, Bulletins</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/formlist.htm" class="main">Applications and Forms</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/division_insurance/drcorner.htm" class="main">Health Care Providers </a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/pressreleases/index.htm" class="main">Press Releases/Newsletters</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/siteindex.htm" class="main">Topics A to Z </a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/financial/index.htm" class="main">Grants, RFPs and Budget</a></td> </tr> <tr class="notopen"> <td height="21" colspan="2" class="notopen"><a href="/dobi/aboutdobi.htm" class="main">Contact the Department</a></td> </tr> </table> <br /> </div> </td> <td width="2%" rowspan="2" valign="top"> </td> <td width="571" height="670" valign="top"> <table width="100%" border = "0" cellpadding="2" cellspacing="2"> <tr> <td height="35" colspan="2" align="left" valign="top"><font size="1" face="Verdana"><a class="secondLevelTitleFirst" href="/dobi/index.html"><u>Home</u></a> <span class="carrotSecondLevel"> > </span> Division of Banking</font></td> </tr> <tr> <td height="20" colspan="2" valign="middle" bgcolor="#009900"><div align="left"><strong><font color="#FFFFFF" size="3" face="Verdana, Arial, Helvetica, sans-serif"><font size="4" style="font-size: 18px">Division of Banking</font></font></strong></div></td> </tr> <tr> <td height="20" colspan="2" valign="middle"><div align="right"><strong><font size="1" face="Verdana, Arial, Helvetica, sans-serif">Main Phone: 609-292-7272 </font><br /> </strong></div></td> </tr> <tr> <td height="32" colspan="2" valign="middle"><div align="left"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">The Division of Banking consists of two major units - the <strong><a href="ocf/index.htm">Office of Consumer Finance</a></strong> and the <strong><a href="depositories/bnkdep_menu.htm">Office of Depositories</a></strong>. </font></div></td> </tr> <tr> <td width="69%" height="102" valign="top"><div align="left"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">The <a href="ocf/index.htm">Office of Consumer Finance</a> provides consumer protections through the regulation of 16 types of businesses that provide a variety of consumer financial services. Included in the Office's supervisory responsibilities are the investigation of complaints, on-site examinations, the monitoring of net worth and surety bonding requirements through annual report filings, and the initiation of <a href="bankdivenforce.html#licensee">enforcement actions</a> as may be required. In addition, the Office supervises state-chartered credit unions through on-site examinations and report filings to ensure safety and soundness, as well as compliance with applicable state and federal laws. <br /> <br /> </font></div></td> <td width="31%" align="right" valign="top"><img src="images/atm.jpg" alt="atm" width="150" height="100" /></td> </tr> <tr> <td height="33" colspan="2" valign="middle" bgcolor="#FFFFFF"><div align="left"><font size="1" face="Verdana, Arial, Helvetica, sans-serif">The <a href="depositories/bnkdep_menu.htm">Office of Depositories</a> processes and reviews applications by depository institutions for new charters, branches, relocations, plans of acquisition, mergers, bulk sales, stock conversions and auxiliary offices. In addition, the Office is responsible for the examination of <font color="#000000">state-chartered commercial banks, savings banks and savings and loan institutions and for <a href="bankdivenforce.html">enforcement actions</a> involving these depositories</font>. </font><font size="1" face="Verdana, Arial, Helvetica, sans-serif"><em><a href="/dobi/division_banking/depositories/bnkdep_menu.htm"></a></em></font></div></td> </tr> <tr> <td colspan="2"> </td> </tr> <tr> <td colspan="2"><div align="left" class="style2 style1 style5 style6"><strong><font color="#990000">Hot Topics </font></strong></div></td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"> </td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"><table width="100%" border="1" cellpadding="2" cellspacing="3" bordercolor="#999999"> <tr> <td bordercolor="#FCFCFC" class="style3"><div align="left"><strong>State-Chartered Banks, Savings Banks, Thrifts, and Limited Purpose Trust Companies: Annual Reports Due for Year-End 2024</strong></div></td> </tr> <tr> <td bordercolor="#FCFCFC" class="style3"><div align="left"> <ul> <li><a href="depositories/annualreports/index.htm">Annual Report Information</a></li> </ul> </div></td> </tr> </table></td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"><table width="100%" border="1" cellpadding="2" cellspacing="3" bordercolor="#999999"> <tr> <td bordercolor="#FCFCFC"><table width="100%" border="0" cellspacing="3" cellpadding="3"> <tr> <td align="left"><span class="style3"><a href="depositories/bankstats.htm" target="_blank">Updated Banking Industry Financial Data Now Available</a></span></td> </tr> </table></td> </tr> </table></td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"><table width="100%" border="1" cellpadding="2" cellspacing="3" bordercolor="#999999"> <tr> <td height="23" colspan="2" bordercolor="#FCFCFC" class="style3"><div align="left"><strong> NJ Residential Mortgage Lending Act</strong></div></td> </tr> <tr> <td width="75%" height="17" bordercolor="#FCFCFC" class="style4 style5 style6"><div align="left"> <ul> <li><span class="style3"><a href="../banklicensing/liclend_newapps.html"> Licensure under RMLA through NMLS</a> </span></li> <li><span class="style3"> <font color="#FF0000"><a href="../banklicensing/liclend_newapps.html#fingerprint">Fingerprinting Process</a></font></span></li> </ul> </div></td> <td width="25%" valign="top" bordercolor="#FCFCFC" class="style4 style5 style6"><div align="left" class="style3"><img src="../banklicensing/nmls.png" width="72" height="50" /></div></td> </tr> </table></td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"><table width="100%" border="1" cellpadding="2" cellspacing="3" bordercolor="#999999"> <tr> <td bordercolor="#FCFCFC" class="style3"><div align="left"><strong>To All NJ Chartered Banks, Savings Banks, Savings Associations, Credit Unions, NJ Licensed Mortgage Bankers and Other Interested Parties:</strong></div></td> </tr> <tr> <td bordercolor="#FCFCFC" class="style3"><div align="left"> <ul> <li><a href="foreclosurereport.htm" target="_blank">Reporting of Residential Mortgage Foreclosures</a></li> </ul> </div></td> </tr> </table> </td> </tr> <tr> <td colspan="2" style="font-family: Verdana, Geneva, sans-serif"><table width="100%" border="0" align="center" cellpadding="5" cellspacing="0"> <tr> <td valign="top" class="style4 style5 style6"> </td> </tr> <tr> <td valign="top" class="style4 style5 style6"><div align="left"><strong><font color="#009900">Regular Features</font></strong></div></td> </tr> <tr> <td align="left" valign="top" class="style4 style5 style6"><ul> <li> <div align="left"><font font><a href="bnkabout.htm">About the Division of Banking</a></font></div> </li> <li> <div align="left"><a href="../bankdedfund/bankdedfunding.htm">Dedicated Funding - What is it? </a></div> </li> <li> <div align="left"><a href="../banklicensing/freqdocs.htm">Frequently Requested Documents</a></div> </li> <li> <div align="left"><a href="../links.htm">Other Resources</a></div> </li> </ul></td> </tr> </table></td></tr> </table></td> </tr> <tr height="1px" bgcolor="#CCCCCC"> <td height="2" bgcolor="#FCFCFC"></td> </tr> </table> <br /> <br /> </center></div>  </div>  <script type="text/javascript"> /*<![CDATA[*/ (function() { var sz = document.createElement('script'); sz.type = 'text/javascript'; sz.async = true; sz.src = '//siteimproveanalytics.com/js/siteanalyze_6019636.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(sz, s); })(); /*]]>*/ </script>  <script type="text/javascript"> /*<![CDATA[*/ (function() { var sz = document.createElement('script'); sz.type = 'text/javascript'; sz.async = true; sz.src = '//siteimproveanalytics.com/js/siteanalyze_6019636.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(sz, s); })(); /*]]>*/ </script><br /> <br />  <script type="text/JavaScript">  </script> <table width="750" height="55" border="0" align="center" cellpadding="5"> <tr> <td colspan="5" align="center" valign="middle"> </td> </tr> <tr> <td colspan="5" align="center" valign="middle"><img src="../dobi_images/grayline.gif" width="99%" height="1"></td> </tr> <tr> <td width="140" align="center" valign="middle"> <div align="center"><a href="/dobi/oprarecords.htm"><img src="../dobi_images/opra.gif" alt="OPRA" width="140" height="37" border="0" align="absbottom" /></a></div> </td> <td align="left" valign="middle"><font color="#999999" size=1 face="Verdana, Arial, Helvetica, sans-serif">OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.</font></td> <td width="1"> <div align="center"><font color="#666666" size="1" face="Verdana, Arial, Helvetica, sans-serif"><img src="../dobi_images/grayline.gif" alt="line" width="1" height="55" /></font></div> </td> <td width="88" align="center" valign="middle"> <div align="center"><font color="#666666" size="1" face="Verdana, Arial, Helvetica, sans-serif"><a href="http://www.adobe.com/products/acrobat/readstep2.html"><img src="../dobi_images/acrobat.gif" alt="Adobe Acrobat" width="88" height="31" border="0" align="absbottom" /></a></font></div> <div align="center"></div> </td> <td align="left" valign="middle"><font color="#999999" size="1" face="Verdana, Arial, Helvetica, sans-serif">You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site.</font></td> </tr> </table> <table width="750" border="0" cellspacing="0" cellpadding="2" align="center"> <tr> <td valign="middle"> <div id="statenavbar" align="left"> <ul> <li><a href="http://www.state.nj.us/">NJHome</a>|</li> <li><a href="http://www.state.nj.us/nj/govinfo/njgov/alphaserv.html">Services A to Z</a>|</li> <li><a href="http://www.state.nj.us/nj/deptserv.html">Departments/Agencies</a>|</li> <li><a href="http://www.state.nj.us/faqs/index.html">FAQs</a></li> </ul> </div> </td> <td align="right" valign="middle"> <div id="statenavbar"> <ul> <li><a href="http://www.state.nj.us/nj/feedback.html">Contact Us</a>|</li> <li><a href="http://www.state.nj.us/nj/privacy.html">Privacy Notice</a>|</li> <li><a href="http://www.state.nj.us/nj/legal.html">Legal Statement</a>|</li> <li><a href="http://www.state.nj.us/nj/accessibility.html">Accessibility Statement</a></li> </ul> </div> </td> <td valign="middle"><img src="../dobi_images/footer.gif" alt="state seal" width="20" height="20" align="left"></td> </tr> <tr> <td colspan="3"><font size=1em> <font color="#999999" face="Verdana, Arial, Helvetica, sans-serif">Copyright © State of New Jersey, 1996 - <script type="text/javascript" language="JavaScript"> let begYear=""; let today = new Date(); document.write(begYear); document.write(today.getFullYear()); </script><br> State of New Jersey<br> New Jersey Department of Banking and Insurance</font><font color="#999999"><br> </font></font><font color="#999999"><br> </font></td> </tr> </table> </div>  </div>   <script type="text/javascript" src="/_Incapsula_Resource?SWJIYLWA=719d34d31c8e3a6e6fffd425f7e032f3&ns=1&cb=1912332725" async></script></body> </html>

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NJDOBI | Division of Banking