Which entity has regulatory authority over all state-chartered and state-licensed financial institutions in Hawaii?

The Hawaii Division of Financial Institutions (DFI) is the correct answer because it serves as the primary regulatory authority overseeing all state-chartered and state-licensed financial institutions operating in Hawaii. The DFI is responsible for ensuring compliance with state laws and regulations related to financial services, which includes the licensing and regulation of mortgage lenders and originators. This division also plays a crucial role in consumer protection and maintaining the stability of the financial sector within the state.

The other choices do not hold the same regulatory authority. For instance, the Hawaii Department of Commerce is broader in scope and oversees various sectors of commerce rather than focusing specifically on financial institutions. The Federal Reserve Bank, while influential in monetary policy and overseeing federally chartered institutions, does not directly regulate state-chartered financial entities in Hawaii. Similarly, the Hawaii Financial Services Authority does not exist as a recognized regulatory body with jurisdiction over these institutions, which further confirms the DFI as the primary authority responsible for this area.