The North Carolina Office of the Commissioner of Banks (OCOB) charters, licenses or registers a variety of financial institutions within the State.  These institutions can be divided into two distinct categories: Banking Institutions and Non-bank Financial Institutions.

Banking Institutions include all commercial banks, savings banks, savings & loan associations and non-depository trust companies chartered by this Office.  It also includes all financial holding companies registered with this Office, and all companies performing fiduciary activities (trust operations) licensed by this Office.

Financial institutions include a variety of financial service companies that provide specialized money services within our State.  Included in this group are Check Cashing Companies, Consumer Finance Companies, Money Transmitters, Mortgage Companies, Reverse Mortgage Lenders, and Tax Refund Anticipations Lenders.

Enforcement Actions

Frequently Asked Questions (FAQ)