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Miscellaneous legal opinions of the Division of Banks

Through these opinions, the Division of Banks (DOB) offers perspective on current issues and questions in the financial services industry.

Table of Contents


  • Opinion 17-009
    • Licensing requirement for an entity operating a mobile application that facilitates payments between homeowners and home improvement contractors – December 19, 2017


  • Selected Opinion 03-060
    • Authority for the Depositors Insurance Fund to borrow from the Federal Home Loan Bank - July 30, 2003



1998 - 1999

Past opinions of the DOB

You can get copies of past opinions by submitting a Public Records Request to the DOB's Records Access Officer.

The DOB's Regulations, found in the Code of Massachusetts Regulations (CMR - agency code number 209), are available through the State House Bookstore.