Do you know what storm damage is covered by your homeowners insurance?

Winter storms and prolonged power outages can cause special problems for homeowners and can wreak havoc on roads and dwellings. Susan L. Donegan, commissioner of the Department of Financial Regulation, advised Vermonters today to be aware of their homeowners and auto insurance policies, what they cover and the deductibles. People should also have their insurance agent’s phone number easily accessible, make sure the policy is up to date and the premiums have been paid. Consumers should also check their policies to make sure they have adequate liability limits and know what their responsibilities are concerning clearing ice and snow from their walkways, driveways, and roofs.

For more information call the DFR consumer assistance line at 800-964-1784.

Securities Division announces new small business regulation

Video by Cory Dawson/

Raising CapitalChanges to the Vermont Small Business Offering Exemption (VSBOE) have been a priority at DFR for many months. On Monday, June 16, 2014, the Department announced that the proposed changes have been approved. These changes are expected to make raising capital easier for our small businesses.

These important modifications to current securities regulations are expected to drive innovation, promote job growth and support Vermont entrepreneurship while protecting the interests of investors. The revised regulation allows Vermont businesses and start-up companies to raise up to $2 million in capital by selling shares in their company to in-state investors. It also allows for a simplified process to reduce the regulatory burdens and costs usually associated with securities registration. 

Health Insurance Reports

Health insurance reports as mandated by the Legislature are now available here.

Welcome to the Department of Financial Regulation

The Department of Financial Regulation's job is to protect consumers against unfair and unlawful business practices in the areas of banking, securities (investments) and insurance, while ensuring that licensed entities are financially healthy. It regulates and monitors a broad spectrum of financial services activities. The chief regulator of the Department is Commissioner Susan L. Donegan.

Insurance Complaint Form

Holiday Mishaps: Are you properly insured for the holiday season?

The holiday season is a time focus on friends and family, not worry about whether your insurance coverage is adequate. As you prepare celebrate the season, you may dream of a white Christmas or envision dancing sugar plums; however, The National Association of Insurance Commissioners (NAIC) suggests you review your insurance policies to avoid some possible holiday nightmare scenarios.

Public invited to submit comments on Licensed Lender requirements

The Department of Financial Regulation is conducting a study on licensed lender requirements for commercial lenders. The Department is seeking written public comment on Vermont’s licensed lender requirements. In particular, the Department is seeking comment on whether any regulatory or statutory changes are needed to the licensing requirements for commercial lenders. 

Changes to Health Insurance Rates & Forms Filing Fees

Effective January 1, 2014 the filing fee for all Health related filings have increased from $50.00 to $150.00. To view the statutory changes please click on the following links., and

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