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California State Bank Charter - The Charter of Choice

The Department currently grants licenses to conduct financial services business in California under nine different sets of statutes; bank and trust, savings associations, credit union, industrial loan, foreign banks, business and industrial loan, money transmitters, payment instruments, and travelers checks.

• Department History
• Department Mission, Vision, Values
• Banking Statistics
• Regional Offices

Laws

• Financial Code (Organization of Banks):
• California Financial Code - Chapter 3, Article 1, Section 350 - 351
• California Financial Code - Chapter 3, Article 2, Section 360 - 363
• California Financial Code - Chapter 3, Article 4, Section 399 - 407
• California Financial Code - Chapter 3, Article 5, Section 419 - 421
• Regulations
• California Code of Regulations-Title 10, Chapter 1, Subchapter 10, Article 4

Forms

• Form 10 - Application for Authority to Organize Bank (pdf)

Resources

• Advantages of a State Charter
• Golden Charter Anniversaries - Bank's Celebrating Anniversaries - List of state-chartered banks celebrating anniversaries - ten years or more. Congratulations!
• Guide for Groups Interested in Chartering a State Bank in California
• New State Bank Charters
• Pending Applications (Monthly Summary)
• The Dual Chartering System and the Benefits of the State Charter
• State-Chartered Credit Union - Facts and Figures

Contact

• Licensing Office: licensing@dfi.ca.gov