Which entity is primarily responsible for regulating banks in Florida?

The Office of Financial Regulation is the entity primarily responsible for regulating banks in Florida. This office is a part of the Department of Financial Services but has specific authority over the regulation and oversight of banks, credit unions, and other financial institutions. Its role includes ensuring that these entities comply with state laws and regulations, protecting consumers, and maintaining the integrity of the financial system within the state.

In this context, while the Department of Financial Services encompasses a broader range of financial sectors, it is the Office of Financial Regulation that focuses specifically on the banking sector. This makes it the correct choice. The other options relate to different types of regulation: the Department of Agents and Agency Services and the Insurance Regulation Office are more concerned with insurance and agency-related activities, which do not directly pertain to banking regulation.