Kansas Administrative Regulations Agency 38 - SAVINGS AND LOAN DEPARTMENT
Here’s an authoritative overview of Kansas Administrative Regulations – Agency 38: Savings and Loan Department:
📑 Structure & Articles
Agency 38 governs savings and loan associations in Kansas and is divided into ten distinct articles:
Establishment or Relocation of Branch Offices (38‑1‑1 to 38‑1‑5) – rules on setting up or moving branches, hearings, and issuance of decisions (law.cornell.edu, regulations.justia.com)
Agents (38‑2‑1 to 38‑2‑7) – designation, agreements, restrictions, remuneration, advertising standards (regulations.vlex.com)
Non‑Insurance Notice (38‑3‑1 to 38‑3‑3) – mandates on notices that deposits are not insured, via print, video, or audio
Unsecured Property Alteration Loans (38‑4‑1) – conditions for offering unsecured loans for property improvements (law.cornell.edu)
Line-of-Credit Real-Estate Loans (38‑5‑1) – lending criteria for credit-line real estate products (regulations.justia.com)
Participation Loans (38‑6‑1) – now revoked (regulations.vlex.com)
Educational Loans (38‑7‑1) – revoked (regulations.justia.com)
Manufactured-Home Financing (38‑8‑1) – standards governing loans for manufactured homes (regulations.vlex.com)
Safety-Deposit Boxes (38‑9‑1) – rules on renting safety-deposit boxes (regulations.vlex.com)
Interstate Branching (38‑10‑1 to 38‑10‑7) – permission, parity, fees, and regulations on interstate branches (regulations.vlex.com)
🛠️ Noteworthy Provisions
Branch approval process: The Department holds a hearing and must rule within 10 business days, evaluating community necessity, likelihood of success, and potential harm to existing institutions (law.cornell.edu).
Cancelled provisions: Participation and educational loan rules (Articles 6 & 7) have been revoked and are no longer enforceable (regulations.vlex.com).
🔍 Tracking the Official Text
To ensure you’re using the official and current regulations:
The Kansas Secretary of State lists Agency 38’s regulations on its KAR publications site (law.cornell.edu, sos.ks.gov).
The official Kansas Administrative Regulations PDFs (permanent & temporary) are available via the Secretary of State's portal (sos.ks.gov).
For user-friendly access, sites like Cornell’s LII and Justia provide a summarized breakdown, although they may not be the latest (regulations.justia.com).
✅ Summary Table
| Article | Topic | Notes |
|---|---|---|
| 1 | Branch office rules | Active |
| 2 | Agents | Active |
| 3 | Non-insurance notice | Active |
| 4 | Unsecured alteration loans | Active |
| 5 | Line-of-credit real-estate loans | Active |
| 6 | Participation loans | Revoked |
| 7 | Educational loans | Revoked |
| 8 | Manufactured-home financing | Active |
| 9 | Safety-deposit box rental | Active |
| 10 | Interstate branching | Active |
✅ What You Can Do Next
For exact wording, consult the Kansas Secretary of State’s publications or the Revisor’s Office; their PDFs contain the full legal text.
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