2021
- Opinion 21-005
- Whether a convenience fee may be charged to make a payment by telephone on a retail installment agreement, as described – April 12, 2022
- Opinion 21-003
- Licensing requirements for individual automobile dealerships for activities described – May 7, 2021
2020
- Opinion 020-005
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Permissibility of charging a GAP waiver cancellation fee, on facts as described – February 10, 2022.
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2019
- Opinion 19-003
- Clarification on Vendor Single-Interest Insurance (VSI) – October 15, 2019
2005
- Selected Opinion 05-026
- Is an equipment leasing company required to be licensed as an insurance premium finance agency - July 18, 2005
2004
- Selected Opinion 03-133
- Debt cancellation coverage or GAP authorized for motor vehicle sales pursuant to General Laws Chapter 255B - April 27, 2004
2003
- Selected Opinion 03-053
- Issues concerning timing of Notice of Revocation of cancellation of an insurance contract - July 28, 2003
2002
- Selected Opinion of 02-043
- Requirements applicable to national banks wishing to offer insurance premium financing in Massachusetts - April 16, 2002
- Selected Opinion 01-168
- Exemption for sales finance company license for a loan broker - February 7, 2002
2001
- Selected Opinion 01-097
- Interest rates applicable to consumer installment loans - July 6, 2001
2000
- Summary of Selected Opinion 00-110
- Licensing requirement for internet escrow company - Q3 2000
- Summary of Selected Opinion 00-046
- Retail installment sales license requirement - Q2 2000
- Summary of Selected Opinion 00-040
- Delaware company converting from a corporation to a limited liability company - Q2 2000
- Summary of Selected Opinion 00-025
- Licensing requirement for the service center of a sales finance company - Q1 2000
- Summary of Selected Opinion 00-009
- License requirement for company offering computer training courses - Q2 2000
1999
- Summary of Selected Opinion 99-152
- Requirements to originate, purchase, or own automobile loans made directly to customers - Q4 1999
- Summary of Selected Opinion 99-111
- Permissibility of financing extended warranties in connection with the indirect financing of motor vehicles - Q4 1999
- Summary of Selected Opinion 99-110
- Licensing a sales finance company
- Summary of Selected Opinion 99-078
- Permission for a Massachusetts multi-licensed entity to share office space with its out-of-state chartered bank - Q3 1999
- Summary of Selected Opinion 98-226
- Licensing requirements for insurance brokers and agents participating in a "point spread program" - Q2 1999
1998
- Summary of Selected Opinion 98-232
- Licensing requirements for company wishing to permit credit card customers to charge their insurance premiums - Q4 1998
- Summary of Selected Opinion 98-2000
- Licensing of aerospace finance companies - Q3 1998
- Summary of Selected Opinion 98-168
- Licensing requirements for out-of-state companies accepting unsecured retail installment contracts - Q4 1998
- Summary of Selected Opinion 98-093
- Activities requiring licensure as a sales finance company - Q2 1998
- Summary of Selected Opinion 98-081
- Permissibility of cash prize program for auto dealers closing auto loans funded by a bank - Q2 1998
- Summary of Selected Opinion 98-068
- Financing of commercial insurance policies - Q2 1998
- Summary of Selected Opinion 98-050
- Definition of "business day" - Q2 1998
- Summary of Selected Opinion 98-040
- Purchasing retail installment sales contracts from dealers in farm equipment - Q2 1998
- Summary of Selected Opinion 98-004
- Licensing requirements - Q2 1998
- Summary of Selected Opinion 98-002
- Mortgage broker or lender license not required for mobile home loans - Q1 1998
- Summary of Selected Opinion 97-255
- Form of premium finance agreement
- Summary of Selected Opinion 97-223
- Licensing requirements for the purchase of home improvement installment contracts by a second mortgage - Q3 1998
1997
- Summary of Selected Opinion 97-210 (-251)
- Motor vehicle sales finance company licensing requirements - Q4 1997
- Summary of Selected Opinion 97-194
- Licensing for purchasers or assignees of retail installment sales agreements made to finance purchases of water equipment - Q4 1997
- Summary of Selected Opinion 97-181
- Permissibility of importing interest rates - Q4 1997
- Summary of Selected Opinion 97-154
- Sales finance company record retention requirements - Q3 1997
- Summary of Selected Opinion 97-107 (-123)
- License requirements for assignees or subsequent purchasers of motor vehicle retail installment contracts - Q3 1997
- Summary of Selected Opinion 97-105
- License requirements for entities purchasing insurance premium finance agreements from licensed insurance premium finance agencies - Q3 1997
- Summary of Selected Opinion 97-077
- Sales finance company license requirements for entities purchasing retail installment agreements from sales finance companies - Q3 1997
Past opinions of the DOB
You can get copies of past opinions by submitting a Public Records Request to the DOB's Record 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.