The Department strives to protect the financial well-being of Arkansas citizens through the effective enforcement of various statutes which regulate several segments of the financial services industry — issuers of securities, securities brokers, investment advisers, state chartered credit unions, state chartered savings and loans, mortgage lenders, loan brokers, money transmitters, and currency exchangers. At the same time, the Department strives to balance this protective function against the need for the financial and capital markets to function efficiently and without unnecessary regulatory impediments. The Department administers the various statutes by registration or licensing of the financial service providers, by examination of financial records and information submitted to the Department, by on-site examination of those providers physically located in the state, and by investigation of complaints from the general public of misconduct or unlicensed activity.