Utah’s Check Cashing and Deferred Deposit Lending Registration Act covers businesses that extend payday loans. A lender subject to the Act must register through NMLS, and Utah DFI directs consumers to NMLS Consumer Access to verify registration. Check that the legal company name and Utah registration match the agreement before giving an online provider bank details.
Utah law restricts rollovers: the borrower must request one, and it cannot require repayment of the amount owed more than ten weeks after the original loan was executed. After ten weeks, the lender may not collect additional interest on an outstanding principal balance. If a contract proposes repeated extensions, compare the dates with this limit and request the calculation in writing.
Utah DFI provides registration information and contact details for deferred-deposit lending. Verify the provider in NMLS Consumer Access and retain the contract, extension requests, and receipts. If the lender cannot be found or the balance continues accruing after ten weeks, contact Utah DFI and use its complaint process to identify the agency with authority.
Official reference: Utah Department of Financial Institutions — Deferred Deposit Lender. Checked November 11, 2026.