The Department of Banking, Insurance, Securities & Health Care Administration is responsible for the regulation and monitoring of activities in the finance and health care industries in Vermont. It operates a banking division that assures the liquidity of credit unions, licensed lenders and sales finance companies. The department s insurance section deals in the areas of consumer protection and solvency laws. The Department of Banking, Insurance, Securities & Health Care Administration also operates a securities division that conducts on-site examinations of brokerage and investment firms. The department operates a captive insurance division. It monitors access to preventive and medically necessary care services.