Consumer Information

Banking

Need help with your mortgage? 

The Summary of National Foreclosure Freezes and Forbearance Programs covers assistance for a range of loan types and national-level holds on foreclosures and evictions. This information is also included on the Conference of State Bank Supervisors (CSBS) COVID-19 webpage: www.csbs.org/information-covid-19-coronavirus.

Protect Yourself and Business from Scammers

If you’re a business owner, you may be planning to apply for a loan through the SBA’s Paycheck Protection Program (PPP) or Economic Injury Disaster Loans (EIDL) program. These programs recently got hundreds of billions of dollars in new funding. But, while you’re focused on getting a loan, scammers may be focused on you: hoping to trick you into giving them sensitive business information, like your bank account numbers, employees’ Social Security numbers, and even your money. Check out the tips from the FTC

Insurance

Learn more about health insurance coverage for COVID-19 diagnosis and treatment. 

Governor Phil Scott and the Department of Financial Regulation today announced an emergency regulation requiring commercial insurers to waive cost-sharing requirements, such as co-payments, coinsurance or deductible requirements, for the diagnosis and treatment of COVID-19. The emergency regulation is retroactive to March 13, 2020, the date that Governor Scott declared a State of Emergency. Check your explanation of benefits to make sure you were not accidentally charged for the diagnosis or treatment of COVID-19.

Find out if your auto insurer is offering a refund or reduced premium? 

Several auto insurance companies have filed plans to return premiums, pay dividends, or reduce their rates for Vermont policyholders due to reduced driving during the COVID-19 pandemic. These plans will amount to almost $14 million in savings for Vermonters. Find Information for Consumers on Auto Insurance Premium Rebates

Learn about health insurance coverage for telehealth services.

On March 30, 2020, the Vermont Department of Financial Regulation issued a new emergency regulation regarding COVID-19 and Telehealth Services. 

The emergency rule requires health insurers and workers' compensation insurance carriers to provide coverage for clinically appropriate health care services delivered remotely through telehealth or audio-only telephone on the same basis as in-person consultations. It also requires health insurers to cover telephone triage calls without member cost sharing, and temporarily waives compliance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA) consistent with federal guidance.

Read Regulation H-2020-02-E, Coverage of Health Care Services Delivered Through Telehealth, Telephone, or Store and Forward Means

Learn more about prescription drug refills during the Stay Home, Stay Safe order. 

On March 16, 2020, the Vermont Department of Financial Regulation issued Insurance Bulletin #210 regarding COVID-19 Prescription Drug Refills. The purpose of  this bulletin is intended to ensure that health insurance plans regulated by the Department of Financial Regulation continue to provide access to prescription drugs during the COVID-19 pandemic. This bulletin applies to health insurers and pharmacy benefit managers.

Securities

DFR Reminds Investors to Avoid Making Impulsive Decisions in a Volatile Financial Market

February 23, 2020

In light of the ongoing developments related to the current COVID-19 outbreak, and its impact on financial markets, the Department of Financial Regulation is reminding investors in Vermont to have patience and use caution.

Contact Information

Department of Financial Regulation
Consumer Services 
89 Main Street, Montpelier, VT 05620 - 3101

802-828-3301
833-DFR-HOTLINE (toll free)
833-337-4685 (toll free)

Public Information
For public records, media inquiries, and press releases visit our Public Information web page

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Employee Information