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D. Eric McClure, Commissioner

bank and trust
consumer credit companies
mortgage broker and saving and loan associations
  - Identity Theft
  - Get Free Credit Reports
  - Debt Collection Problems?
  - Reverse Mortgages
  - Fair Credit Billing - Your Credit Card Rights
  - Fair Credit Billing Brochure
  - Mortgage Loans - What to Know Before You Buy
  - Mortgage Loan Pamphlet
  - How to Dispute Credit Errors
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Repossession Guidelines
  - Active Licensee List
  - Annual Report Form
  - Bond Form
  - Letter of Credit Form
  - Verification Bond Form
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Repossession Guidelines
  - Active Licensee List
  -
  - Bond Form
  - Letter of Credit Form
  - Verification Bond Form
  - Sample Note - Simple Interest
  - Sample Note - Precomputed
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Active Licensee List
  - APR Calculation Formula
  - Sample 500 Note
  - Sample Notice of Maximum Rates Charged
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Repossession Guidelines
  - Active Licensee List
  - Bond Form
  - Letter of Credit Form
  - Bond Verification Form
  - Sample Title Loan Note
  - Sample Notice of Maximum Rates
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Repossession Guidelines
  - Active Licensee List
  - Application Packet
  - Laws & Regulations Quick Reference Guide
  - Active Licensee List
  - Application Packet
  - Laws & Regulations - Quick Reference Guide
  - Active Licensee List
  - Application Packet
  - Active Licensee List
  - Bond Form
  - Letter of Credit Form
  - Verification Bond Form
  - High Outstanding Form
  - Highest Daily Transmissions Form
  - Proof of Solvency Form
  - MSB Registration
  - Application Packet
  - Active Licensee List
  - Federal Credit Repair Organizations Act
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Missouri Division of Finance     
301 W. High Street
Room 630,
P.O. Box 716
Jefferson City, MO  65102
Phone: 573 751-3242
Fax: 573 751-9192
E-Mail: finance@dof.mo.gov

Consumer Help

Citizens with complaints against any institution over which this Division has jurisdiction may contact the Consumer Credit Section by telephone, fax, e-mail, or United States mail.  After confirming that the Division has jurisdiction, a staff person will review the facts in whatever form received and determine if there is an apparent violation of statute or regulation.  At this point, the staff person may ask for a written complaint, either a letter or a completed form, in the interest of having a more formal record of the facts including account numbers, addresses, and telephone numbers.

Once the file has been opened, the company against which the complaint has been filed will be contacted, generally by mail but sometimes by telephone or e-mail, and asked for an explanation of the circumstances; as a standard practice, the company is provided a copy of the complaint letter or form and the complainant is copied with our letter.  The communications with the companies do not state a deadline but 30 days are generally allowed for response/resolution.

When a response is received, it is reviewed by a staff member and then forwarded to the complainant with an explanatory cover letter. The complainant is, of course, free to comment on the response.



Banks & Trust Companies |  Consumer Credit Companies |  Mortgage Brokers and S&L Associations

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