Missouri Banking Laws and Regulations

The primary State laws relating to banks and trust companies are found in Chapter 362 RSMo. Regulations issued by the Division of Finance are in State Regulation 20 CSR 1140. Additional trust laws are found in Chapter 456 RSMo and Chapter 469 RSMo. There are numerous other State laws, at least portions of which apply to certain bank operations. The following links provide entire or partial chapters, as appropriate.

• Chapter 30 - Linked Deposits, Farm Assistance, Small Business and Water systems Loans consisting of sections: 30.270 , 30.280 , 30.750 , 30.753 , 30.756 , 30.758 , 30.760 , 30.763 and 30.765
• Chapter 110 - Depositories for Public Funds
• Chapter 130 - Campaign Disclosure Law
• Chapter 148 - Taxation of Financial Institutions consisting of sections 148.010 through 148.112
• Chapter 314 - Discriminatory Practices
• Chapter 351 - General and Business Corporations
• Chapter 361 - Division of Finance and Powers of Director of Finance
• Chapter 362 - Banks and Trust Companies/Bank Holding Companies
• Chapter 364 - Retail Credit Financing Institutions/Premium Finance Companies
• Chapter 365 - Motor Vehicle Time Sales
• Chapter 367 - Pawnbrokers and Small Loans
• Chapter 369 - Savings and Loan Associations
• Chapter 381 - Title Insurance Law consisting of sections: 381.410 and 381.412
• Chapter 385 - Credit Insurance
• Chapter 407 - Credit Service Organizations consisting of sections: 407.635 , 407.637 , 407.638 ,407.639 , 407.640 , 407.641 , 407.642 , 407.643 and 407.644
• Chapter 408 - Legal Tender and Interest
• Chapter 425 - Debt Adjusters and Collection Agencies
• Chapter 427 - Creditor Protection
• Chapter 432 - Contracts Required to be in Writing consisting of sections: 432.045 and 432.047
• Chapter 443 - Mortgage Brokers and Reverse Mortgages consisting of sections: 443.130 , 443.453 , 443.805 , 443.807 , 443.809 , 443.810 , 443.812 , 443.816 , 443.817 , 443.819 , 443.821 , 443.823 , 443.825 , 443.827 , 443.830 , 443.833 , 443.835 , 443.839 , 443.841 , 443.843 , 443.845 , 443.849 , 443.855 , 443.857 , 443.861 , 443.863 , 443.865 , 443.867 , 443.869 , 443.871 , 443.873 , 443.875 , 443.877 , 443.879 , 443.881 , 443.883 , 443.885 , 443.887 , 443.889 , 443.891 , 443.893 , 443.901 , 443.903 , 443.906 , 443.909 and 443.912
• Chapter 447 - Lost and Unclaimed Property consisting of sections 447.500 through 447.595
• Chapter 470 - Escheats
• Chapter 570 - Stealing and Related Offenses consisting of sections: 570.030 , 570.040 , 570.090 , 570.110 , 570.120 , 570.123 , 570.125 , 570.130 , 570.135 , 570.140 , 570.180 , 570.217 , 570.219 and 570.220
• Chapter 574 - Offenses Against Public Order
• Chapter 575 - Offenses Against the Administration of Justice
• Constitutional Provisions - Constitution of Missouri
  • Article III, Legislative Department - Section 44
  • Article IV, Executive Department - Section 15 and Section 16
  • Article XI, Corporations - Section 6 , Section 7 , Section 8 and Section 13