The State of New Jersey
NJ Department of Banking and Insurance

Home > Banking Division > Office of Consumer Finance
Office of Consumer Finance

The Office of Consumer Finance (the “OCF”) consists of three units: Supervision Bureau, Consumer Services Bureau and Enforcement Bureau

The Supervision Bureau is comprised of two operational areas:  Examinations and Surveillance.  Surveillance handles annual reports and will be instrumental in coordinating the implementation of the assessments that will be the “dedicated funding” source for the budget of the Division of Banking.


OCF Information
New Jersey Mortgage Loan Application Disclosure Form
  • DOBI Rules at N.J.A.C. 3:1-16.3 provide for the disclosure of fees charged in connection with a mortgage loan application. Beginning on January 1, 2018, the "NJ Application Disclosure Form" (preferably in a two-sided single sheet format) or an alternate form that provides substantively similar compliant disclosures must be used for such purposes. A copy of the completed form must be provided to the applicant(s) and maintained in the loan file. Completed forms shall be subject to review upon examination. 
Advisory Groups
Residential Mortgage and Consumer Finance Advisory
Meetings held 10 to 11:30 a.m. via teleconference
  March 13, 2024
June 12, 2024
November 6, 2024
Credit Union Advisory Council
Meetings held 10:30 to 11:30 a.m. via teleconference
  April 10, 2024
September 11, 2024
November 13, 2024
(10 a.m. to 11 a.m.)
  • NJ License Surrender/Non-Renewal Form - PDF
  • NJ License Surrender/Non-Renewal Final Report - PDF or MS Excel
More Information

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
Adobe Acrobat
You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site.
state seal
Copyright © State of New Jersey, 1996 -
State of New Jersey
New Jersey Department of Banking and Insurance