Many U.S. States have laws regulating debt collection, to which agencies must adhere. In addition, many States and a few cities require collection agencies to be licensed. It is important for debt collection agencies to understand this practice, because it is a sign of professionalism and commitment to the industry.
If you intend to conduct consumer debt collection services in the U.S., you may require a license.
The following are U.S. states that require consumer debt collectors to be licensed:
Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, City of Wilmington, District of Columbia, Florida, Hawaii, Idaho, Illinois, City of Chicago, Indiana, Iowa, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nebraska, Nevada, Carson City, New jersey, New Mexico, New York City, City of Buffalo, North Carolina, North Dakota, Oregon, Puerto Rico, Rhode Island, South Dakota, Tennessee, Utah, Washington, West Virginia, Wisconsin, Wyoming.
In Certain Circumstances
Kansas, Louisiana, New Hampshire, Ohio, Pennsylvania, Texas,
No License Required
California, Georgia, Kentucky, Mississippi, Missouri, Montana, New York, Oklahoma, South Carolina, Vermont, Virginia
Make sure your agency is compliant with the law. Please remember that state laws and contacts often change. Always use the most current information.
At CCSI, we know the rules and we devote a great amount of time to training and updating our call center operations team with the most recent compliance framework.
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