Insurance

Making Insurance Transparent and Fair

Insurance is meant to help you when you need it most, but navigating it can be challenging. Commerce is here to educate, answer questions, and investigate when problems arise. We also make sure insurance companies in Minnesota are following the law and are able to pay your claims.

Energy

Building a Clean, Affordable Energy Future

Commerce works to keep energy costs fair today while building a cleaner, more reliable energy system for tomorrow: creating jobs, supporting innovation, and strengthening Minnesota’s economy.

We administer programs and provide regulatory oversight of utilities to help Minnesotans save money and energy. Our work includes assistance with utility bill payments, support for transitioning to renewable energy, and access to discounted phone and internet services for eligible Minnesotans. 

Financial Oversight

Protecting Your Finances

We license, examine, and regulate state-chartered banks and credit unions, state-regulated investment advisors, and non-depository financial institutions (like mortgage lenders, brokers, and money transmitters) to help ensure that the financial institutions you rely on are safe, fair, and trustworthy so you can feel confident managing your money

Financial Guidance

Trusted help for everyday money decisions

Life doesn’t always follow a straight path, and money decisions can feel overwhelming. Commerce offers trusted resources, whether you’re saving for a home, paying off student loans, or learning to invest.

Unclaimed Property

Helping Return What Belongs to You

Each year, Commerce reunites people with money or property that has been lost or forgotten—such as uncashed checks, dormant accounts, and insurance payments. We safely hold these funds and help return them to the rightful owners or families.

Licensing & Consumer Trust

Know Who You’re Working With

Commerce licenses and monitors hundreds of thousands of professionals, including insurance agents, real estate agents, and financial advisors. Our oversight helps you work with people you can trust and avoid scams or unqualified providers.

Complaints & Enforcement

Taking Action Against Fraud and Unfair Practices

Commerce investigates complaints to resolve disputes between consumers and businesses in the 40+ industries we regulate, ensuring compliance with state law and a fair marketplace for all. We also educate and protect consumers through programs like senior fraud prevention, student loan support, and the CIC/HOA Ombudsperson Office.

Weights and Measures

Ensuring You Get What You Pay For

Ever wonder if a gas pump or grocery store scale is accurate? Our staff tests tens of thousands of pumps, scales, and commercial measures each year to make sure you get what you pay for.