Kentucky Administrative Regulations Title 808 - PUBLIC PROTECTION CABINET - DEPARTMENT OF FINANCIAL INSTITUTIONS
Here’s an overview of Title 808 – Public Protection Cabinet, Department of Financial Institutions within the Kentucky Administrative Regulations:
📑 Title 808 – Chapter Overview
According to the official Kentucky Legislature site (last updated March 10, 2025) (apps.legislature.ky.gov), Title 808 is structured into these chapters:
| Chapter | Subject | Status | Last Update |
|---|---|---|---|
| 1 | Administration | Current | 3/10/2025 |
| 2 | Cemeteries | Inactive | 12/15/2021 |
| 3 | Credit Unions | Current | 5/30/2025 |
| 4 | Finance Charges | Inactive | 12/15/2021 |
| 5 | Industrial Loans | Inactive | 12/15/2021 |
| 6 | Consumer Loans | Current | 2/6/2023 |
| 7 | Savings and Loans | Inactive | 12/15/2021 |
| 8 | Funeral Homes | Inactive | 12/15/2021 |
| 9 | Check Cashing | Current | 3/13/2025 |
| 10 | Securities | Current | 3/12/2025 |
| 11 | Multibank Companies | Inactive | 12/15/2021 |
| 12 | Mortgage Loan Companies & Brokers | Current | 3/11/2025 |
| 13 | Division of Thrift Institutions | Inactive | 12/15/2021 |
| 14 | Administrative Hearings | Inactive | 12/15/2021 |
| 15 | General | Current | 4/10/2025 |
| 16 | Student Education Loan Servicing | Current | 3/11/2025 |
🔍 Chapter Highlights
Chapter 1 – Administration
Covers regulations on ATMs, licensing, registration processes, and fee structures (law.cornell.edu, apps.legislature.ky.gov, regulations.justia.com).
Chapter 3 – Credit Unions
Focuses on the structure, operations, and oversight of credit unions.
Chapter 6 – Consumer Loans
Includes licensing requirements such as maintaining accessible business premises (kyrules.elaws.us).
Chapter 9 – Check Cashing
Governs licensing, fee caps, and compliance for businesses providing check-cashing services.
Chapter 10 – Securities
Defines securities terms, recordkeeping by investment advisers, and includes intrastate crowdfunding regulations (casetext.com).
Example: 808 KAR 10:160 provides definitions for financial statements, promotional companies, etc. (regulations.justia.com).
808 KAR 10:501 details forms, fees, procedures, and recordkeeping for intrastate crowdfunding, plus federal crowdfunding notice requirements (apps.legislature.ky.gov).
Chapter 12 – Mortgage Loan Companies & Brokers
Addresses licensing, fees, bonding, operations, and renewals specific to mortgage entities.
Chapter 15 – General
Covers broad provisions that apply across Title 808, including definitions, general standards, and enforcement mechanisms.
Chapter 16 – Student Education Loan Servicing
Regulates entities servicing student loans, including licensing, disclosures, recordkeeping, and reporting.
🛠️ How to Access Specific Regulations
To access a specific section:
Navigate to the Kentucky LRC KAR portal, select Title 808, then the relevant chapter.
Alternatively, use resources like Cornell LII or Justia for browsable sections (law.cornell.edu, apps.legislature.ky.gov, kyrules.elaws.us, law.cornell.edu).
✅ Summary
Title 808 sits under the Public Protection Cabinet and oversees a range of financial sectors—from credit unions and consumer loans to securities and mortgage lending.
While several chapters have become inactive, core areas like credit unions (Ch. 3), consumer loans (Ch. 6), check cashing (Ch. 9), securities (Ch. 10), mortgage companies (Ch. 12), and educational loan servicing (Ch. 16) remain active and regularly updated.
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