Association of Independent Consumer Credit Counseling Agencies (AICCCA)

STATE REGULATORY CONTACTS

Association of Independent Consumer Credit Counseling Agencies (AICCCA)
PMB 626, 11350 Random Hills Road, Suite 800
Fairfax, Virginia 22030
703-934-6118 Fax: 703-802-0207
Email: assoc@aiccca.org
Web Site: www.aiccca.org
Last Updated: Aug. 30, 2005

STATE REGULATORY CONTACTS:

Alabama Regulatory Contact: Registration Info: Licensing Form: Relevant AL Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Leslie Worrelle Alabama Securities Commission 770 Washington Street, Suite 570 Montgomery, AL 36104 334-242-2984 (general office number) 334-353-7368 (Spencer Lee direct) 334-242-0240 (fax) http://asc.state.al.us/ Leslie.worrelle@asc.alabama.gov Registration is not yet available online, but forms will be mailed to you if requested. AIC Fee AL.pdf Alabama Code Section 8 Chapter 7 (Sale of Checks Act)

Alaska	No debt adjusting laws.


Arizona Regulatory Contact: Licensing/Registration: Relevant AZ Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. State Banking Department Financial Enterprises Division 2910 N. 44th St. Suite 310 Phoenix, AZ 85018 602-255-4421 (phone) 602-381-1225 (fax) http://www.azbanking.com/ No registration forms are available to download online, but you may request an application package here. Arizona State Revised Statutes Title 6, §§ 6-701 thru 6-716

Arkansas Regulatory Contact: Registration Info:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Office of the Attorney General Joyvin Benton, Charitable Registration Specialist 323 Center Street, Suite 200 Little Rock, Arkansas 72201 (501) 682 2007 (phone) http://www.ag.state.ar.us/index.htm (Choose low bandwidth; scroll down until you see Charity Giving on the right side; Charitable Organization Registration packet is available there.) Charitable Organization Registration Application Irrevocable Consent for Service Annual Report of Charitable Organization Annual Financial Reporting Attachment to IRS Form 990EZ Commercial Co-Venturer Agreement Verification of Exemption

California Regulatory Contact: Licensing/Registration: Relevant CA Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Corporations Timothy L. LeBas Assistant Commissioner Office of Law and Legislation 1515 K. Street, Suite 200 Sacramento, CA 95814 (916) 322-3977 (phone) (916) 322-5875 (fax) http://www.corp.ca.gov/index.htm Notice and Written Consent Audit Report and Declaration Chapter No. 779 (Financial Code, Division 3)

Colorado Regulatory Contact: Relevant CT Statutes:	No debt adjusting laws. Colorado Attorney General Uniform Consumer Credit Code Laura E. Udis, Administrator 1525 Sherman St., 5th Fl. Denver, CO 80203 (303) 866-4494 (phone) (303) 866-4527 (fax) http://www.ago.state.co.us/UCCC/UCCCHOME.htm Colorado Consumer Protection Act (note: This law prohibits deceptive trade practices, but does not require any licensing.)

Connecticut Regulatory Contact: Licensing/Registration: Relevant CT Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Connecticut Department of Banking Consumer Credit Division 260 Constitution Plaza Hartford, CT 06103 Phone: 860-240-8202 Fax: 860-240-8178 http://www.state.ct.us/dob/pages/ccdiv.htm General Information and Instructions Debt Adjuster License Application Debt Attestation Form Debt Adjuster Bond Personal and Business History Statement All of these documents may be found at: http://www.state.ct.us/dob/pages/dobforms.htm#da Chapter 669 - Regulated Activities: Debt Adjusters

Delaware No Information available	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting.

District of Columbia	No debt adjusting laws.

Florida Regulatory Contact: Registration Info: Relevant FL Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Florida Department of Financial Services (administers Chapter 559) 200 East Gaines Street Tallahassee, Florida 32399 (850) 423-3100 http://www.fldfs.com/ Attorney General (charged with administering SB2682) Office of Attorney General Charlie Crist State of Florida The Capitol PL-01 Tallahassee, FL 32399-1050 850-414-3300 (phone) http://myfloridalegal.com/ No licensing or registration procedure (other requirements, including audit, insurance coverage, copies of audit and insurance) Chapter No. 2004-351

Georgia Regulatory Contact: Registration Info: Relevant GA Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Governor's Office of Consumer Affairs 2 Martin Luther King Jr. Dr. Suite 356 Atlanta, GA 30334 404.651.8600 (Phone) 404.651.9018 (Fax) http://www2.state.ga.us/GaOCA/ (This office does not have oversight responsibility, but does act as a repository for audits and insurance. Violating HB385 is a violation of the Fair Business Practices Act of 1975, and this office is charged with enforcing this act. It is therefore the office that consumers are directed to if they have a complaint about debt adjusters.) Chapter 5, Title 18 of Georgia Code

Hawaii No information available	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting.

Idaho Regulatory Contact: Licensing/Registration: Relevant ID Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Idaho Department of Finance Consumer Finance Bureau 700 W. State Street, 2nd Floor Boise, Idaho 83702 Phone: 208-332-8062 Fax: 208-332-8098 Collection Agency Applications/Forms http://finance.idaho.gov/collectionagencyforms.aspx Idaho Collection Agencies Act Under the Idaho Collection Agency Act, the following activities cannot be conducted in Idaho without obtaining a collection agency permit: Operating as a collection agency, debt counselor, or credit counselor Engaging, either directly or indirectly, in the business of collecting or receiving payment for others of any account or bill Engaging in the business of credit counseling

Illinois Regulatory Contact: Licensing/Registration:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Consumer Credit Section Division of Financial Institutions 500 Iles Park Place, Suite 314 Springfield, IL 62718 Phone: 217-782-3704 Fax: 217-785-6999 http://www.state.il.us/dfi/ccd/ccd_main.htm Debt Management Application Bond Information Form Supplemental Application Personal Information Form All of these forms may be found at: http://www.state.il.us/dfi/ccd/ccd_apps.htm

Indiana Regulatory Contact: Registration Info: Relevant IN Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Regulatory Contact: Department of Financial Institutions 30 South Meridian St. Suite 300 Indianapolis, IN 46204 317-232-3955 (phone) (317)232-7655 (fax) http://www.in.gov/dfi/ Budget Service Company License Application Indiana Code 28-1-29: Budget Service Companies

Iowa Regulatory Contact: Licensing/Registration: Relevant IA Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Iowa Division of Banking 200 East Grand Avenue, Suite 300 Des Moines, Iowa 50309-1827 Phone: 515-281-4014 Fax: 515-281-4862 http://www.idob.state.ia.us/ Debt Management Application Letter Debt Management Renewal Letter Debt Management License Application Debt Management Application for Renewal of License Debt Management Bond Form Chapter 533 A - Debt Management Chapter 533 A Administrative Rules

Kansas Regulatory Contact: Licensing/Registration: Relevant KS Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. State Bank Commissioner 700 SW Jackson St., Suite 300 Topeka, Kansas 66603-3796 785-296-2266 (phone) 785-296-6037 (fax) http://www.osbckansas.org KS Credit Services Organization Instructions for Application of Registration KS SB509

Kentucky Regulatory Contact:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Financial Institutions 1025 Capital Center Drive, Suite 200 Frankfort, Kentucky 40601 502-573-3390 (phone) 502-573-8787 (fax) http://www.dfi.ky.gov/

Louisiana Regulatory Contact: Registration Info:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Secretary of State Louisiana Department of State P.O. Box 94125 Baton Rouge, LA 70804-9125 (225) 342-4479 http://www.sos.louisiana.gov/ Forms may be found here. Although there are no licensing requirements, agencies must register with the Secretary of State.

Maine Regulatory Contact: Licensing/Registration: Relevant ME Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Department of Professional and Financial Regulation Office of Consumer Credit Regulation 35 State House Station Augusta, Maine 04333-0035 Phone: 207-624-8527 Fax: 207-582-7699 http://www.state.me.us/pfr/ccp/ccp_index.htm Debt Management Service Provider Registration Letter Debt Management Service Provider Application Debt Management Service Provider Bond Form Debt Management Service Provider Sample Contract Debt Management Service Provider Authorization of Credit Card Payment Debt Management Service Provider Renewal Application Debt Management Service Provider Bond Confirmation Form All of these documents may be found at: http://www.state.me.us/pfr/ccp/ccp_applicat.htm Chapter 80-A: Nonprofit Debt Management Services

Maryland Regulatory Contact: Licensing/Registration: Relevant MD Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Regulatory Contact: Department of Labor, Licensing and Regulation Commissioner of Financial Regulation 500 North Calvert Street Suite 402 Baltimore, MD 21202 (410) 230-6100 (phone) (410) 333-3866 or (410) 333-0475 (fax) http://www.dllr.state.md.us/finance/index.html http://www.dllr.state.md.us/finance/debtmgmtadv.htm (specific debt management information) Debt Management Application Public Act Chapters 375, 374

Massachusetts Regulatory Contact:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Regulatory Contact: Division of Banks One South Station Boston, MA 02110 Contact: Bonita Irving (617) 956-1500 (phone) (617) 956-1599 (fax) http://www.mass.gov/dob/

Michigan Regulatory Contact: Licensing/Registration: Relevant MI Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Labor and Economic Growth Office of Consumer and Industry Services Office of Financial and Insurance Services Division of Securities Ottawa Building, 2nd Floor 611 West Ottawa Street Lansing, Michigan 48933 Phone: 517-241-6350 Fax: 517-241-6363 http://www.michigan.gov/cis/0,1607,7-154-10555---,00.html Application for Debt Management License Renewal Application for Debt Management License Debt Management Bond for Licensee Debt Management Deposit of Cash or Securities in Lieu of Bond Debt Management Applicant's Consent to Service of Process Debt Management Employment List Debt Management Act Business History Form Debt Management Act Affidavit of Character Debt Management Financial Statement Debt Management Employment Notification Debt Management Termination Notification Alternative Bond in Lieu of Michigan Based Trust Account Debt Management Fee Processing Card Debt Management Examination and Registration Testing Procedures Debt Management Examination Study Aid Debt Management Complaint Form All of these documents may be found at: http://www.michigan.gov/cis/0,1607,7-154-10555_13044_13209---,00.html Act # 148 of 1975 - Debt Management Act

Minnesota Regulatory Contact: Licensing/Registration: Relevant MN Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Minnesota Commerce Department 85 7th Place East, Suite 500 St. Paul, MN 55101 (651) 296-4026 (phone) 651-297-1959 (fax) http://www.state.mn.us/cgi-bin/portal/mn/jsp/home.do?agency=Commerce Debt Prorate Agency License Application Minnesota Statues Chapter 332.12-332.29

Mississippi Regulatory Contact: Licensing/Registration: Relevant MS Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Regulatory Contact: Department of Banking and Consumer Finance Consumer Finance Division 501 N. West Street 901 Woolfolk Building Suite A P.O. Box 23729 Jackson, MS 39225-3729 (601) 359-1031 (phone) (601) 359-3557 (fax) http://www.state.ms.us/frameset.jsp?URL=http%3A%2F%2Fwww.dbcf.state.ms.us%2F Debt Management Service Provider Application Debt Management Service Provider Bond Debt Management Service Provider Deposit in Lieu of Bond Debt Management Service Provider Contact List Chapter No. 465 (Section 81 Chapter 22 of Mississippi Code) (Mississippi Code is available online through LexisNexis publishing. Go here and click on "Search the Mississippi Code at Lexis Publishing.")

Missouri No information available	Prohibits (for compensation) debt-adjusting

Montana No information available	Allows both for-profit and non-profit entities to engage in debt adjusting services.

Nebraska Regulatory Contact: Licensing/Registration: Relevant NE Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Secretary of State Suite 2300 State Capitol Lincoln, NE 68509 (402)471-2554 (phone) (402)471-3237 (fax) http://www.sos.state.ne.us/ Debt Management License Application Nebraska State Statutes 69-1201 thru 69-1217

Nevada Regulatory Contact: Licensing/Registration: Relevant NV Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Business and Industry Division of Financial Institutions 406 E. 2nd Street, Suite 3 Carson City, Nevada 89701-4758 (775) 684-1830 (phone) (775) 684-1845 (fax) http://dbi.state.nv.us Debt Adjuster Application and Instructions Debt Adjuster Bond Form Pledge of Security Instrument Form Personal History Record Non-Personal History Record Personal Financial Questionnaire Child Support Statement All of these documents may be found at: http://fid.state.nv.us/DEBT%20ADJUSTER%20APPLICATION%20PACKAGE.htm Chapter 676: Debt Adjusting Nevada Division of Business & Industry Consumer Affairs Division Memo Debt Adjusting Regulations

New Hampshire Regulatory Contact: Licensing/Registration: Relevant NH Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Banking Department Consumer Credit Division 64B Old Suncook Road Concord, New Hampshire 03301 (603) 271-3561 (phone) Consumer Credit Division Fax (603) 271-0750 http://www.nh.gov/banking/consumer.html Debt Adjuster Application Debt Adjuster Surety Bond All of these documents may be found online at: http://www.nh.gov/banking/consumer.html Chapter 399-D: Debt Adjusters Banking Department General Requirements - Licenses (Ban 2400) Banking Department - Debt Adjusters (Ban 3700)

New Jersey Regulatory Contact: Licensing/Registration: Relevant NJ Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. N.J. Department of Banking and Insurance Division of Banking 20 West State Street Trenton, NJ 08625 Phone: 609-292-7272 Fax: 609-633-0822 http://www.njdobi.org Registration is not yet available online, forms will be mailed to you if requested. New Jersey Statutes Title 17:16G1-G8

New Mexico Regulatory Contact: Registration Info:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Office of the Attorney General Registry of Charitable Organizations 111 Lomas Blvd. NW, Suite 300 Albuquerque, NM 87102 Contact: Leah Quesada (505) 222-9000 (phone) (505) 222-9006 (fax) http://www.ago.state.nm.us/index.htm Charitable Organizations Annual Report Instructions for Registration Form Registration Form

New York Regulatory Contact: Licensing/Registration: Relevant NY Statutes: Misc. Information:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. New York State Banking Department Licensed Financial Services Division One State Street, 3rd Floor New York, NY 10004 (212) 709-5418, 5502, or 5504 (phone) http://www.banking.state.ny.us/ Application for License as a Budget Planner Instruction Sheet for Application New York Consolidated Laws Article 12-C Financial Education RFP Questions and Answers

North Carolina Regulatory Contact:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Justice (Attorney General’s Office) 9001 Mail Service Center Raleigh, NC 27699-9001 Phone: 919-716-6000 Fax: 919-716-6050 http://www.ncdoj.com/default.jsp Jean Ann Wolhar – Consumer Protection Specialist

North Dakota Regulatory Contact:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Office of the Attorney General Licensing Section, Department 125 600 E. Boulevard Bismarck, ND 58505-0040 Phone: 701-328-2329 Fax: 701-328-3535 http://www.ag.state.nd.us/Index.htm

Ohio Regulatory Contact:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Attorney General’s Office Consumer Protection Division State Office Tower 30 E. Broad Street 17th Floor Columbus, OH 43215-3428 Phone: (614) 466-4320 http://www.ag.state.oh.us/

Oklahoma No information available	Prohibits (for compensation) debt-adjusting

Oregon Regulatory Contact: Licensing/Registration: Relevant OR Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Department of Consumer and Business Services Division of Finance and Corporate Securities 350 Winter Street NE, Room 410 Salem, OR 97310 PO Box 14480 Salem, OR 97309 - 0405 Phone: 503-947-7494 Fax: 503-947-7862 http://www.cbs.state.or.us/external/dfcs/ Debt Consolidating Agency Application Chapter 697 Oregon Administrative Rules 441-910

Pennsylvania No information available.	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting.


Rhode Island Regulatory Contact: Licensing/Registration: Relevant RI Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Steve Cayouette Department of Business Regulation Division of Banking 233 Richmond St. Providence, RI 02903 (401) 222-5429 (Steve Cayouette direct) (401) 222-2405 (Banking Division main) http://www.dbr.state.ri.us/index.html Application for Debt Management Plan License Public Law Number: 579

South Carolina No information available	Allows both for-profit and non-profit entities to engage in debt adjusting services.

South Dakota Regulatory Contact:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Secretary of State Capitol Building 500 East Capitol Avenue Ste 204 Pierre SD 57501-5070 605-773-4845 (phone) 605-773-4550 (fax) http://www.sdsos.gov/ Non-profit debt management companies need to apply for a certificate of authority with the South Dakota Secretary of State and file an annual report.

Tennessee No information available	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting.

Texas Regulatory Contact: Registration Info: Relevant TX Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Texas Office of Consumer Credit Commissioner Steven O'Shields, Customer Service Representative 2601 North Lamar Boulevard, Austin TX 78705 (512) 936.7600 Main Number (800) 538.1579 Consumer Helpline General e-mail address: info@occc.state.tx.us Debt Management Services Provider Application Forms Link: http://www.occc.state.tx.us/pages/industry/dmsp/Forms.html Texas Finance Code, Title 5, Chapter 394 http://www.occc.state.tx.us/pages/Legal/Laws/fcode/ch394.html#a

Utah Regulatory Contact: Licensing/Registration: Relevant UT Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Utah Division of Consumer Protection Heber Wells Building, Second Floor 160 East 300 South SM Box 146704 Salt Lake City, Utah 84114-6704 801-530-6601 (phone) 801-530-6001 (fax) http://www.commerce.utah.gov/dcp/index.html Credit Service Organization Permit Application Form Please note: If not already registered with the state, a business needs to register with the division of corporations also. http://www.commerce.utah.gov/cor/index.html http://www.utah.gov/business/starting.html (info on starting a business in UT) Utah Code Section 13-21

Vermont Regulatory Contact: Licensing/Registration: Relevant VT Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Sue S. Clark Regulatory and Consumer Affairs Chief State of Vermont Dept. of Banking, Insurance, Securities & Health Care Administration 89 Main St., Drawer 20 Montpelier, VT 05602-3101 (802) 828-4878 (phone) (802) 828-3306 (fax) http://www.bishca.state.vt.us/ License Application Materials and Instructions for Debt Adjusters Act Number: 81

Virginia Regulatory Contact: Licensing/Registration: Relevant VA Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Virginia State Corporation Commission Bureau of Financial Institutions 1300 E. Main Street, Suite 800 P.O. Box 640 Richmond, Virginia 23218-0640 804/371-9657 (phone) http://www.state.va.us/scc/index.html Non-Profit Credit Counseling Agency Application Forms Acts of Assembly Chapter No. 790

Washington Regulatory Contact: Relevant WA Statutes:	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting. Office of the Attorney General 1125 Washington Street SE PO Box 40100 Olympia, WA 98504-0100 Seattle Consumer Protection Office: 900 Fourth Ave. Suite 2000 Seattle, WA. 98164-1012 206-464-6684 (phone) 206-464-6451 (fax) http://www.atg.wa.gov/ Debt Adjusting Statutes

West Virginia No information available.	Allows both for-profit and non-profit entities to engage in debt adjusting services.

Wisconsin Regulatory Contact: Licensing/Registration: Relevant WI Statutes:	Allows both for-profit and non-profit entities to engage in debt adjusting services. Licensed Financial Services Department of Financial Institutions 345 W. Washington Avenue, 4th Floor Madison, WI 53703 Phone: 608-267-3776 Fax: 608-267-6889 http://www.wdfi.org/ Adjustment Service Company Application Adjustment Service Company Application Instructions Adjustment Service Company Office Application (add an office) Adjustment Service Company Office Application Instructions (to add an office) Adjustment Service Company Bond All of these documents may be found at: http://www.wdfi.org/fi/lfs/forms.htm#asc Chapter 218.02 Administrative Code - DFI-Bkg73

Wyoming No information available.	Prohibits for-profit debt adjusting and only allow non-profit entities to engage in debt adjusting.