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Consumer Protection is Our Mission

Welcome to the Division of Financial Services web site. As a unit of the Colorado Department of Regulatory Agencies, the Division embraces the Department's mission.

The Division seeks to fulfill this mission in its own areas of statutory responsibility, which are as follows:

§         Examination and supervision of state-chartered credit unions
§         Examination and supervision of state-chartered savings and loan associations
§         Administration and enforcement of the Savings and Loan Public Deposit Protection Act
§         Regulation of certain financial activities of life care institutions

The Division also maintains general information to help citizens get answers to their questions about mortgage loan and other consumer loan practices in Colorado. Please visit our Frequently Asked Questions page to view this information.

We hope that you will find our web site informative and useful. If you need to contact the Division, please do so by writing, calling or e-mailing us as indicated below.

Avoid Overdraft Fees Balance your checking account monthly and update your register after each expenditure. Sign up for overdraft protection on your checking account. Beware of debit cards when your balance becomes lower. Debit cards generate "holds" on your account which can trigger overdrafts. When your account balance is low, consider making purchases with a credit card rather than with a debit card or check. Then, pay the credit card off. If you determine you have overdrawn your account, immediately transfer funds from savings or make a deposit to the account. Do not use the account until any transfers or deposits are considered "good funds".