Kansas Administrative Regulations Agency 104 - JOINT REGULATIONS-CONSUMER CREDIT COMMISSIONER, CREDIT UNION ADMINISTRATOR, SAVINGS AND LOAN COMMISSIONER AND BANK COMMISSIONER
Kansas Administrative Regulations – Agency 104
JOINT REGULATIONS — Consumer Credit Commissioner, Credit Union Administrator, Savings and Loan Commissioner, and Bank Commissioner
Agency 104 comprises joint regulations promulgated by four financial regulatory offices in Kansas:
Consumer Credit Commissioner
Credit Union Administrator
Savings and Loan Commissioner
Bank Commissioner
Purpose:
Agency 104 regulations are intended to coordinate regulatory policies that apply across different types of financial institutions. These rules may cover areas such as:
Licensing and supervision of financial institutions
Consumer protection in lending and credit practices
Joint examination procedures
Shared compliance and reporting standards
Uniform enforcement mechanisms
Regulatory Scope:
The regulations under Agency 104 are generally focused on ensuring consistency and collaboration among the agencies in the oversight of:
Credit unions
Savings and loan associations
State-chartered banks
Non-depository financial entities (e.g., payday lenders, mortgage companies)
These rules may affect:
Interest rate ceilings
Disclosure requirements
Advertising standards
Anti-predatory lending provisions
Shared administrative processes
Administrative Structure:
Although these agencies operate independently, the joint regulations under Agency 104 are used when inter-agency cooperation or unified regulatory language is necessary.
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