R.I. Gen. Laws § 27-5-3.3

All banks and lending institutions doing business in this state, whether acting under state or federal authority, which include, but are not limited to: (1) A bank, savings bank, or trust company, as defined in this title, its affiliates or subsidiaries; (2) A bank holding company, as defined in 12 U.S.C. § 1841, its affiliates or subsidiaries; (3) Mortgage companies; and (4) Any other individual, corporation, partnership, or association authorized to take deposits and/or to make loans of money under the provisions of title 19, shall maintain a resident agent in this state who shall have authority to endorse insurance claim checks on behalf of those banks and lending institutions.