Utah Code § 7-24-301: Enforcement by department -- Rulemaking.

(1) Subject to the requirements of Title 63G, Chapter 4, Administrative Procedures Act, the department may:

(a) receive and act on complaints;

(b) take action designed to obtain voluntary compliance with this chapter; or

(c) commence administrative or judicial proceedings on its own initiative to enforce compliance with this chapter.

(2) The department may:

(a) counsel persons and groups on their rights and duties under this chapter;

(b) make rules to:

(i) restrict or prohibit lending or servicing practices that are misleading, unfair, or abusive;

(ii) promote or assure fair and full disclosure of the terms and conditions of agreements and communications between title lenders and customers; or

(iii) promote or assure uniform application of or to resolve ambiguities in applicable state or federal laws or federal regulations; and

(c) employ hearing examiners, clerks, and other employees and agents as necessary to perform the department's duties under this chapter.