The Department of Financial Protection and Innovation Divisions
- Executive Office – The Executive Office includes several support units:
- Equal Employment Opportunity Office
- Licensing & Information Reporting
- Internal Audits
- Strategic Planning
- Office of Financial Technology Innovation
- Office of the Ombuds
- Administration Division – This division provides UCP with administrative support services, including accounting, budgets, contract management, facilities management, human resources, and purchasing.
- Communications and Outreach Division – This division offers strategic messaging, media relations, and digital communications support. Working to reach all Californians, the Communications team helps draft and edit external communications, including consumer alerts, emergency proclamations, website content, social media campaigns, presentations, media releases, educational resources, and more. The team helps coordinate events, statewide communications campaigns and works with internal and external stakeholders to help tell the story of the department’s work and our impact as a national model for consumer protection and financial regulation.
- Targeted Outreach Office
- Consumer Services Division – The UCP Consumer Services Division facilitates communication between consumers and the various financial institutions, companies and products that UCP regulates to assist in the dispute resolution process.
- Division of Consumer Financial Protection – This division is responsible for supervising and regulating financial activities not previously overseen by the department. These include debt collection, debt relief, private post-secondary education finance, and newly emerging financial products or services.
- Student Borrower Ombudsperson
- Division of Corporations and Financial Institutions –
- Banking Program – The Banking Program licenses and regulates trust companies and commercial, industrial, and foreign (other nation and other state) banks.
- Broker-Dealer/Investment Adviser Program – This program licenses and regulates broker-dealers, broker-dealer agents, investment advisers, investment adviser representatives, exempt reporting advisers, capital access companies, and SEC investment adviser notice-filers.
- Credit Union Program – The Credit Union Program licenses and regulates state-chartered credit unions.
- Financial Services Office – The Financial Services Office is responsible for the licensure and regulation of payday lenders, finance lenders and brokers, escrow companies and check sellers, bill payers and proraters.
- Money Transmitter Program – The Money Transmitter Program licenses and regulates money transmitters, issuers of payment instruments (money orders), traveler’s checks, and stored value cards.
- Escrow & Mortgage Lending Office – This office is responsible for the licensure and regulation of escrow agents, residential mortgage lenders and servicers, and mortgage loan originators.
- Enforcement Division – The Enforcement Division, on behalf of the Commissioner of the Department of Financial Protection and Innovation, enforces the laws administered by the UCP.
- Information Technology Services Division – The Information Technology Services Division is responsible for IT support, including software/hardware acquisition, network and user services, and the development and support of applications.
- Legal Division – This division serves as in-house legal counsel for all of the department’s programs and also regulates the offer and sale of securities and franchises.
- Crypto Unit
- Legislation Division – The Legislation Division monitors and tracks bills related to the UCP and provides guidance on legislative issues.