skip to content
Site URL
Our Sites
  • Commerce Home
  • Money & Banking
  • Insurance
  • Energy & Utilities
  • Business Regulation
  • Licensing
  • Consumer Help
Find Unclaimed Property
  • About Us
    • Leadership Team
    • History of Commerce
    • Affirmative Action
    • Policies & Practices
    • Request a Speaker
    • Data Practices
    • Tribal Affairs
      • Tribal Nations in Minnesota
      • Tribal Advocacy Council on Energy
      • Tribal-State Energy Issues
    • Tribal Government
      • Program Resources
    • Civil Rights
    • Data & Reports
    • Social Media Terms of Use
    • Diversity, Equity, Inclusion
    • Contact [redirect]
  • News
    • Press Release: May 25, 2023
  • Careers
    • Our Hiring Process
      • Interview & Selection Process
      • Prepare Your Resume
      • Understanding the Job Posting
    • View Open Positions
    • State Employee Benefits
    • Training & Development
    • Connect With Us
  • Contact Us
  • Business
    • Enforcement
      • Commerce Fraud Bureau [redirect]
        • How to Report Fraud? [redirect]
        • Minnesota Fraud Related Statues
        • Automobile Theft Prevention Program [redirect]
        • Auto Theft Multimedia [redirect]
        • Financial Crimes
        • Fraud Bureau Annual Reports
        • About Us [redirect]
        • Report Fraud [redirect]
      • Auto Theft Prevention
        • Minnesota Auto Theft Prevention Program
        • Auto Theft Prevention Toolkit
        • Catalytic Converter Pilot [redirect]
        • What To Do If Your Car Is Stolen [redirect]
      • Enforcement Actions
      • Policies
        • Policies [redirect]
      • Report Fraud
      • Insurance fraud
      • Complaints & Indictments
      • Employee Misclassification
    • Petrofund
      • Meeting Minutes
      • Reimbursement
    • Weights & Measures
      • Complaints
      • Grocer's Manual (PDF)
      • Scales & Meters
        • Metrology Lab
        • Service Agents
        • Precious Metals
        • Fees & Definitions
      • Fuel
        • Below Cost Gas Pricing
        • Biodiesel
          • Biodiesel
          • Ethanol
        • Fuel Tax Labeling
        • Petroleum Contamination
        • Propane
          • Certified LPG Inspector List
          • Propane Meters
    • Retailers
      • Cigarettes
        • Cigarette Vendors
      • Firewood
      • Toy Safety
      • Packaging
      • Grocer's Guide (PDF)
    • Telecom
      • Reporting & Forms
      • Phone & Internet Discounts
      • Certification
      • ETCs
      • Interest Rates
      • Consumer Help
        • Who to Call
        • Phone & Internet Discounts
        • Minnesota Relay (redirect)
          • Businesses
          • Making a Relay Call
          • Minnesota Relay Complaints
      • Interest on Deposits
      • TAP
      • Who to Call
    • Other Industry
      • Money & Banking
      • Insurance
      • Energy & Utilities
    • Real Estate
      • Contract for Deed
      • Reverse Mortgages
      • Uniform Conveyance Blanks
      • Appraisal Advisory Board
      • Subdivded Land & Timeshares
      • Uniform Conveyancing Forms
    • RFP Downloaders Report
    • Request for Proposals
    • Request for Proposals Form
    • Request for Proposals [docs page]
    • Rulemaking
  • Consumer
    • Find Unclaimed Property
    • Money & Banking
      • Banking & Saving
      • Cryptocurrency
      • Student Loans Consumer Rights
      • Regulated Lenders
      • Investment Advisers
      • Franchises
    • Insurance Tips
      • Homeowners Insurance
      • Auto Insurance
      • Health Insurance
      • Life Insurance
      • Long Term Care
      • Disaster Info Center
    • Energy & Utilities
      • Apply for Energy Assistance
      • Weatherization
      • Improving Home Efficiency
      • Home Energy Guide
      • Add Your Voice to Energy Decisions
    • Real Estate
      • Contract for Deed
      • Reverse Mortgage
      • Choosing A Mortgage Lender
      • Licensing
      • Uniform Conveyancing Blanks
      • Real Estate Education, Research and Recovery Fund
        • REERRF: Real Estate
        • REERRF: Education & Research
        • REERRF: Recovery Fund
        • Grantees
    • Telecom
      • Minnesota Relay
        • Minnesota Relay - File a Complaint
        • Making a Relay Call
      • Phone/Internet Discounts
      • Who to Call
    • File a Complaint
      • Banking Complaints
      • Credit Union Complaints
      • Mortgage and Real Estate Complaints
      • Other types of complaints
      • Complaint verification message
    • Prevent Senior Fraud
      • Online Fraud
      • Report Financial Exploitation
      • Senior Safe
  • Energy
    • Consumer Help
      • Apply for Energy Assistance
      • Weatherization Assistance
      • Improving Home Efficiency
      • Home Energy Guide
      • Rebates [redirect]
      • New Energy Programs
        • MNCIFA
          • MnCIFA staff [redirect]
          • Board of Directors [redirect]
          • Strategic Plan and Investment Strategy [redirect]
          • Lending Standards
          • Projects Funded [redirect]
          • State Law Creating MnCIFA [redirect]
          • MnCIFA Partnerships
          • Board meetings and updates [redirect]
        • Electric Vehicle Rebates
        • Electric Vehicle Rebate More Info
        • Residential Heat Pump Rebate Program
        • State Competitiveness Fund
        • State Competitiveness Matching Funds
        • State Competitiveness Fund - Local Grant Development Assistance
        • Strengthen Minnesota Homes
        • Auto Dealers EV Grant Program
        • Electric Grid Resilience Programs
        • MN Climate Innovation Finance Authority
        • Air Ventilation Pilot Grants
        • Benchmarking Energy Use Data
        • Community Solar Gardens
        • Community Solar Gardens - For Consumers
        • Community Solar Gardens - For Developers
        • Community Solar Gardens - Key Program Details
        • Community Solar Gardens - Application Information
        • Developer - Frequently Asked Questions
        • Community Solar Gardens - Tips and Resources
        • Pre-Weatherization and Workforce Training
        • Solar on Public Buildings
        • Residential Electrical Panel Upgrades
        • Save Energy Minnesota
        • Home Energy Rebates
        • Home Energy Rebates FAQ
        • Home Efficiency Rebate Program (HOMES)
        • Home Electrification and Appliance Rebate program (HEAR)
        • Energy Storage Incentives
        • How to Apply for an Incentive
        • How to Get Started
        • Utility Programs and Directory
        • Helpful Resources
        • Eligibility and Guidelines
        • Frequently Asked Questions
        • Media Toolkit
        • Supplier ID Resources
        • Large Building Energy Benchmarking [archive]
        • Electric School Bus Program
        • Electric School Buses Grant Program
        • Electric School Buses Grant Equipment
        • Technical Assistance and Other Resources
        • Electric School Buses Grant Planning and Technical Assistance
        • Electric School Buses Grant Equipment
        • Electric School Buses Grant Planning and Technical Assistance
        • Direct/Elective Pay Resources
        • Geothermal Planning Grants
        • SolarApp + Permitting Incentive
        • Ultraefficient Vehicle Development
        • Training for Residential Energy Contractors
        • 9999 Home Energy Rebates [redirect]
      • Be Prepared for Propane Season
    • Solar & Wind [redirect]
      • Solar Energy Data & Info [redirect]
      • Solar Energy for Homes [redirect]
      • Hiring Solar Installers [redirect]
      • Community Solar [redirect]
      • Solar for Schools [redirect]
        • Engaging Students in Renewable Energy
      • Financial Assistance
        • Funding Opportunities Database
      • Solar for Business
      • Solar for All [redirect]
      • Technical Assistance
        • Guaranteed Energy Savings Program
          • Guaranteed Energy Savings Program Case Studies
      • OLD Distributed Energy Resources [redirect]
    • Clean Energy
      • Solar Energy Data & Info
      • Wind Energy Data & Info
      • Solar Energy for Homes
      • Wind Energy for Homes
      • Solar Installers
      • Community Solar [redirect]
      • Solar for Schools [redirect]
        • Engaging Students in Renewable Energy
      • Financial Assistance
        • Funding Opportunities Database
        • The Public Entity Energy Audit and Renewable Energy Feasibility Study Loan Program
      • Solar for Business
      • Solar for All
      • Technical Assistance
        • Guaranteed Energy Savings Program
          • Guaranteed Energy Savings Program Case Studies
        • Local Energy Efficiency Program (LEEP)
        • Map Resources
      • Clean Energy Laws
      • Clean Electricity by 2040
    • Help with Heating Bills
      • Energy Assistance Program
        • Frequently Asked Questions
        • Emergencies
        • Request a mail application for Minnesota’s Energy Assistance Program
        • When will my application be processed?
        • Energy Assistance Program
        • Energy Assistance Program
        • Energy Assistance Program
        • Energy Assistance Program Media Toolkit
        • Energy Assistance Program Income Guidelines
        • How Do I Apply
      • Find Local Energy Providers
      • Weatherization Assistance Program
      • Local Weatherization Providers
      • Propane
    • Conserving Energy
      • ECO Programs
        • Energy Efficiency
        • Technical Reference Manual
        • Planning & Policy Guidance
      • Applied Research & Development
        • Fact Sheets, Guides & Tools
        • CARD Program Webinars
        • CARD Research Since 2020
      • Improving Home Efficiency
      • Efficient Home Building
      • Home Energy Guide
      • Ground Source Heat Pumps
      • CIP [redirect]
      • Energy Tips
      • Programs to Save Energy & Money
        • Energy Tips
    • For Industry & Government
      • Utilities
        • Annual Reporting
        • Utility Resources & Rates
        • Projects & Rates
        • eFiling Help
      • Energy-Specific Funding Opportunities
      • Solar for Schools
        • Solar for Schools - Grant Recipients
        • Solar for Schools - Learn More About the Grant
        • Solar for Schools - Request for Proposals / Grant Application
        • Solar for Schools - Media Toolkit
        • Solar for Schools - Getting Started
        • Solar for Schools - Engaging Students with Renewable Energy [redirect]
        • Solar for Schools - FAQ
        • Solar for Schools - Annual Reports
        • Request Project ID
        • Request Project ID
        • Submit Full Application
        • Reporting Requirements
        • Engaging Students with Solar
        • How to Build a Solar Oven
      • Financing Energy Projects
        • Commercialization Assistance
        • Accelerator Programs
        • Patents & Existing Research
      • Service Providers
        • Energy Assistance Providers
          • Energizer
          • Toolkit
        • Weatherization
          • Policy & Procedure Change Form
      • Water Utilities
      • Benchmarking
        • B3 Benchmarking for Public Buildings
        • Large Building Energy Benchmarking
        • Other Benchmarking Programs
        • Benchmarking Energy Use Data
        • How To Guide
        • How To Videos
        • Large Building Energy Benchmarking
        • Lookup Tool
        • Benchmarking FAQs
        • Utility Resources
        • Public Disclosure Map
      • Energy Resilience & Planning
        • The Workbook: A Deeper Dive
      • Conservation Improvement Program -- CIP Guidance and Policy Documents
        • Planning & Policy Guidance [redirect]
        • CARD Grant Search
          • CARD Project Pages
            • Improving Energy Efficiency in Convenience Stores
        • Technical Reference Manual [redirect]
      • Distributed Energy
      • Technical Assistance
        • Guaranteed Energy Savings
    • Policy, Data & Reports
      • Climate Action
      • Federal Funding Opportunities
      • MN Energy Data Dashboard
      • Energy Assistance Dashboard
      • Ethanol E85
      • OLD Energy Reports
      • Policy
        • Federal Bipartisan Infrastructure Law
    • Add Your Voice to Energy Decisions
    • Why Federal Support for Clean Energy Matters to Minnesota
    • Key Federal Initiatives that Benefit Minnesotans
    • What Federal Energy Rollbacks Could Cost You
    • Communications Toolkit
    • Events
    • Energy Careers [redirect]
  • Insurance
    • Consumer Help
      • Homeowners Insurance
      • Health Insurance
      • Auto Insurance
      • Life Insurance
      • Long Term Care
      • Renters Insurance
    • Health Insurance
      • Consumer Protections
        • Medicare [redirect]
        • Rates
          • Maps
          • FAQs [redirect]
          • Rates Questions & Answers
        • DELETE Buying Health Insurance
        • DELETE Understanding Your Insurance Card
        • DELETE Using Your Benefits
        • Short-Term Health Plans
        • Glossary
        • External Appeals [redirect to External Review]
        • External Review Process
        • Health Facility/Provider
        • Health plans Commerce regulates
        • SERFF Access
      • Preventive Care
      • Mental Health Insurance Coverage
        • Mental Health Parity Report
      • Medicare
        • Medigap
          • Medigap Plans
          • Medigap Policies
      • Non-discrimination
      • Association Health Plans
      • Pharmacy Drug Affordability Board
        • Prescription Drug Affordability Advisory Council
      • OLD
        • Know Your Health Insurance Rights
        • Rates [redirect]
        • Medicare
        • Short-Term Health Plans
        • Association Health Plans
        • The Need to Knows of Health Insurance
        • Mental Health and Substance Use Disorder Treatment
        • Non-Discrimination in Coverage
        • Preventive Care Coverage
      • OLD Long Term Care
        • Alternatives to Long-Term Care
        • Introduction to Long-Term Care
        • Hearing on Long-Term Care Insurance
        • Shopping for LTC Insurance
        • Where Can I Get More Info?
      • Service of Process
    • Auto Insurance
      • Basics
      • Filing a Claim
      • Auto Theft Prevention
        • Catalytic Converter Pilot
        • Lock Your Car MN
      • OLD ATVs, Boats, Motorcycles
      • OLD Buying Auto Insurance
      • Auto Title Loans
      • Storm Damage
      • After an Accident
    • For Industry
      • Small Business
        • Commercial Auto
        • Flood Insurance
        • Health Insurance
        • Liability Insurance
        • Owners Insurance
        • Property Insurance
        • Section 125
      • Workers' Compensation
      • Licensing
        • Applications [redirect]
      • Self Insurance
      • Filings & Examinations
        • Financial Filings
        • Rate Form Filings
        • Surplus Lines
        • Major Medical
          • Other General Requirements
        • Property & Casualty
        • Student Health Plan
      • Rate Form Filings
      • Bulletins & Updates
      • Policy, Data & Reports
        • 62J Reports
          • evaluation reports
          • evaluation reports
          • evaluation reports
          • 62J Reports - Annual Evaluation
      • Information Security Program
      • New Health Carriers
      • Prevent Insurance Fraud
      • Filing-Examinations [redirect]
        • Finanical filings [redirect]
        • Rate Form Filings [redirect]
      • Homeowner Reporting
      • OLD Financial Reporting
      • OLD Self Service Storage
      • Pharmacy Benefit Managers
      • Section 1332 State Innovation Waiver
      • Fire Debris Removal List
      • Financial Filings
      • Information Resources
    • Other Insurance
      • Life Insurance
        • Term vs Permanent
        • Understanding Annuities
          • Buying Fixed Deferred Annuities
          • Buying Life Insurance
          • Choosing a Life Insurance Company
          • Locate a Life Insurer
          • Understanding Life Insurance
        • OLD
          • Buying Fixed Deferred Annuities
          • Buying Life Insurance
          • Choosing a Life Insurance Company
          • Locate a Life Insurer
          • Term vs Permanent Life Insurance
          • Understanding Annuities
          • Understanding Life Insurance
          • Life Insurance Policy Locator Service
        • OLD Understanding Life Insurance
      • Long-Term Care
        • Basics
        • Buying
        • More Info
        • Long-term Care Partnership
      • Travel Insurance
      • Pet Insurance
      • Service of Process
      • OLD Renters Insurance
      • OLD Serving Summons on Insurance Company [redirect]
    • About Us
      • Policy Data & Reports
  • Licensing
    • Who Does Commerce License?
      • Financial Institutions
        • Debt Collections
        • OLD Debt Services
        • OLD Industrial Loan & Thrift
        • OLD Money Transmission
        • OLD Mortgage
        • OLD Motor Vehicle Finance
        • OLD Payday Lenders
        • OLD Regulated Loan Company
        • OLD Savings Banks/Associations
        • Premium Finance
        • Residential PACE Loan Program
        • Safe Deposit Companies
        • Student Loan Servicers
      • Insurance
        • Filings & Examinations
          • Financial Filings
          • Risk Questionnaires
          • Rate & Form Filings
            • Major Medical
              • Other General Requirements
            • Student Health Plan
          • Surplus Lines
        • Adjusters
        • Annuity Best Interest
        • Annuity Best Interest Notice
        • Annuity Suitability
        • Auto Rental Company Sales of Insurance
        • Business Entities
        • Cybersecurity FAQ
        • Cybersecurity Notice
        • Flood Insurance
        • Insurance Licensing
        • Insurer Licensing & Application Process
        • License Renewal
        • Long Term Care
        • Non-resident Producers
        • Resident Producers
        • Self Insurance
        • Self-Service Storage Facility Sales of Insurance
        • Surrender a License
        • Update a License
        • Workers' Compensation
      • Real Estate
        • Appraiser
          • Appraisal Management Company
          • Individual Appraiser Residential
          • Nonresident Appraiser License
          • Individual Renewals
          • Upgrade
          • Advisory Board
        • Real Estate Licensing
        • Applications
        • Renewals
        • Updates
        • Education
        • Real Estate Limited Broker
      • Securities
        • Securities Offerings
        • Investment Advisers and their Representatives
          • 2024 Investment Adviser Written Examination
        • Broker Dealer
        • Franchises
        • Subdivided Land and Timeshares
        • MNvest
          • Portal Operators
        • Securities
        • Online Filing Instructions
        • Safe Seniors Financial Protection Act
      • Other Businesses
        • Copper Seller License
        • Athlete Agent
        • Bullion Product
        • Debt Collections
        • Military Waivers
          • Veterans
        • Telecom
        • Weights and Measures
          • Service Agents
      • Background Pre-application
      • Appraiser
        • Appraisal Management Company
        • Individual Appraiser Residential
        • Nonresident Appraiser License
        • Individual Renewals
        • Upgrade
        • Advisory Board [redirect]
      • Education
        • Education for Licensees
        • Providers & Coordinators
          • Course-Applications
          • Applications
          • Instructor Qualifications
          • Continuing Education Module Outlines
            • CE Module Outline 2015-2016
      • Background History Preliminary Application Process
    • Look Up A License Holder
    • Enforcement Actions
    • Education for Licensees
      • Scheduling appraiser, insurance, or real estate prelicense examinations
  • Money
    • Consumer Help
      • [hide] 050 Fraud & Complaints
      • Your Financial Journey
        • Avoid Fraud
        • Build Your Trusted Team
        • Create a spending and savings plan
        • Housing & homeownership
        • Investing
        • Payday Loans & Debt Collection
        • Student Loans
        • Your Credit Score
      • Banks & Credit Unions
      • Cryptocurrency
      • Student Loans Consumer Rights
        • Additional information about student loans
        • OHE REDIRECT - EXIT PAGE -- Basics about student loans
        • OHE REDIRECT - EXIT PAGE -- Public Service Loan Forgiveness
        • REDIRECT from student loan to Fed Student Loan page
        • REDIRECT to OHE Grants and Scholarships
        • REDIRECT to SELF Loan page
        • Student Loan Borrower Bill of Rights
        • Student Loan Borrower Bill of Rights
      • Contract for Deed
    • Fraud & Complaints
      • [delete] Avoid Fraud
      • Online Fraud
      • Senior Fraud
        • Consumer Financial Frauds
        • Senior Financial Exploitation Reporting Form
        • Financial Professionals and Law Enforcement
        • Safe Seniors Act
      • Real Estate Fraud
    • Investments & Securities
      • Cryptocurrency
      • MNvest
      • Securities
        • Securities Investor
        • Securities Issuer
          • Federally Covered Securities Notice Requirements
            • Mutual Funds
            • Regulation A, Tier II
            • Rule 506 of Regulation D
            • Unit Investment Trusts
          • Offerings
            • MNVest
              • Portal Operators
            • Registrations
          • Securities Issuer: Exemptions
          • Securities Issuer: Publications
        • Securities
      • Investment Advisers
      • Franchises
    • Licensing
      • Who Does Commerce License?
      • Look Up A License
      • Apply or Renew
      • OLD MNvest
        • Issuers
        • Portal Operators
      • OLD Motor Vehicles
      • OLD Premium
      • OLD Residential Pace Loan
      • OLD Safe Deposit
      • OLD Student Loan Servicer
    • For Industry
      • Banks
      • Credit Unions
      • Depository Information Security and Incident Notification
      • Trust Companies
      • Savings
      • Mortgages
      • Motor Vehicle Finance
      • Regulated Lenders
      • Payday Lenders
      • Debt Services
      • Money Services Businesses
      • Licensing
      • Non-Depository Information Security
      • Interest Rates
        • Business Agriculture Loans
        • Consumer Credit Code
        • Dollar Amounts
        • Judgment Arbitration
      • Banking Laws & Regulations
      • Franchises
        • View a Franchise Registration
        • Buying A Franchise
        • Register A Franchise
        • Buying A Franchise
        • Renew or Amend a Franchise
        • Publications
        • Fees
        • Advertising
        • Additional Sellers
        • Exemptions
        • State Specific Addendum
        • Financial Assurance
      • Industrial
      • Premium Finance
      • Student Loan Lenders and Servicers
      • Industrial Loan & Thrift
    • Unclaimed Property
      • Find Unclaimed Property
      • Report Unclaimed Property
      • Self Audit
  • Welcome to Commerce
  • External Review [redirect]
  • Search
    • JSON Search
    • XML Search
    • Search Page
  • ZZZ [redirect] Resident Producers
  • ZZZ Licensees [redirects]
    • Appraiser
      • Holding Page
    • Collections [redirect]
    • Insurance
      • Holding Page
      • Holding Page
    • Real Estate
      • Holding Page
      • Holding Page
Feature image for Policies & Practices
Feature image for Policies & Practices

Policies & Practices

    • About Us
    • Leadership
    • Policies & Practices
    • Data Practices

    Affirmative Action

    Civil Rights

    Data Practices

    Diversity, Equity, Inclusion

    Non-Discrimination and Complaint/ Request Procedures

    Minnesota Department of Commerce Website Privacy Policy and Disclaimer

    Social Media Terms of Use

    Minnesota Department of Commerce Reporting Fraud, Misuse, Unlawful Access Policy

    Contact Us

    Minnesota Department of Commerce
    85 7th Place East, Suite 280
    Saint Paul, MN 55101

    Main Office: 651-539-1500
    Complaints: 651-539-1600
    Greater Minnesota: 800-657-3602
    Energy Information: 800-657-3710

    Accessibility Help

    About Us

    • Leadership Team
    • History of Commerce
    • News Releases
    • Careers

    Our Divisions

    • Energy Resources
    • Financial Institutions
    • Enforcement & Fraud
    • Insurance
    • Telecom
    • Licensing
    • Weights & Measures

    Take Action

    • Find Unclaimed Property
    • Help with Heating Bills
    • Apply/Renew a License
    • Sign up for our newsletter
    mn register to vote
    © Copyright 2025 MN Department of Commerce  |   Civil Rights   |   Data Practices   |   Rulemaking
    back to top