Guidance – Archive

⚠️ Agency policy statements and guidance documents shall not have the force and effect of law pursuant to section 67-5207A, Idaho Code.

Current Guidance

Department of Finance

Securities

• Guidance Regarding Fees for Illiquid Investment products
• OTCQX Best Market, Order Designating a Recognized Securities Manual
• Advisory Concerning Securities Sales
• Federal Regulation A Securities Offering Filing Changes

Money Transmitters

Escrow Act

• Interpretations for § 1031 Qualified Intermediaries Under The Idaho Escrow Act

Collection Agency Act

• Compliance Notice to Payday Lenders & Third-Party Collectors
• Billing Service Company Policy
• Debt Buyer Policy
• Statements in aid of interpretation of the Debt Buyer Policy
• Department Policy Concerning Pre-Judgment Settlement Agreements
• Guidance to Collection Agencies Operating in Idaho
• FAQ Related to Guidance

Idaho Credit Code

Regulated Lenders

Department of Defense Interpretive Rule for the Military Lending Act Limitations on Consumer Credit Extended to Service Members and Dependents, Issued December 14, 2017

Payday Lenders

• Guidance to Payday Lenders on Extended Payment Plans
• Compliance Notice to Payday Lenders & Third-Party Collectors

Financial Institutions

• COVID-19: Temporary Guidance for Banks and Credit Unions
• Minimum Capital Requirements and Permissible Investments for Trust Companies
• Credit Union Parity Requests
• Sensitivity to Market Risk or Interest Rate Risk
• Policy Statement No. 90-1; Courier Services
• Authentication in an Internet Banking Environment
• Guidance on Marijuana-Related Businesses
• Authorization Pursuant to the Idaho Trust Institutions Act

Residential Mortgage Practices Act

• Financial Analysis Guidance
• Guidance Regarding What Constitutes Mortgage Lending Activities Under the Idaho Residential Mortgage Practices Act
• Policy Statement Regarding Rule 50 of Idaho’s Rules Pursuant to the Idaho Residential Mortgage Practices Act
• Mortgage Recovery Fund Policy and Application for Co-Sponsorship
• Policy Statement – SAFE Act and Owner Financing
• Idaho Financial Responsibility Policy 2018-01 
• Idaho Financial Responsibility FAQs 2018-01
• Idaho Residential Mortgage Practices Act Department Interpretation No. 2009-16-01
• Telecommuting Policy for Loan Originators
• Statement on Subprime Mortgage Lending
• Model Examination Guidelines
• Guidance on Nontraditional Mortgage Product Risks
• Department of Finance and Real Estate Commission – Joint Short Sale Guidance and Frequently Asked Questions

Title Lending

• Idaho Licensed Automobile Title Lender