Every legitimate lender serving Omaha answers to the Nebraska Department of Banking and Finance — the agency that licenses, examines and disciplines consumer lenders under state law.
Quick answer: The Nebraska Department of Banking and Finance (NDBF), headquartered at 1526 K Street, Suite 300, Lincoln, NE, licenses and examines delayed deposit (payday), installment and consumer lenders statewide. File complaints online or by mail; reach them at 402-471-2171.
What the NDBF does
- Licenses delayed deposit services (payday lenders), installment lenders and state-chartered banks and credit unions.
- Examines licensees for compliance with the Delayed Deposit Services Licensing Act and the Nebraska Installment Loan Act.
- Investigates consumer complaints and can pursue administrative action, up to license revocation.
How to verify a lender
Before sharing personal or bank information, search the lender through NDBF resources or call the department directly. An unlicensed lender operating in Nebraska is violating state law — a major red flag regardless of how professional the website looks.
How to file a complaint
Submit the NDBF’s Financial Institutions Complaint Form online, or mail documentation to P.O. Box 95006, Lincoln, NE 68509-5006. For deceptive practices, the Nebraska Attorney General’s Consumer Protection Division (800-727-6432) is a parallel option.
FAQ
How do I check if a Nebraska lender is licensed?
Contact the NDBF directly or use its online resources before applying with any lender.
Where is the NDBF located?
1526 K Street, Suite 300, Lincoln, NE 68508; mail to P.O. Box 95006, Lincoln, NE 68509-5006.
What else can I do if a lender breaks the law?
File with the NDBF and, for deceptive practices, the Nebraska Attorney General’s Consumer Protection Division.
Educational content, not financial advice. Always verify a lender is licensed by the Nebraska Department of Banking and Finance (NDBF) before borrowing.