A company that collects consumer debts for others from Arizona residents generally needs a collection-agency license from DIFI.
Apply through DIFI. Confirm on the DIFI licensing page whether your category files on NMLS or the state system.
State licensing does not replace the Fair Debt Collection Practices Act, CFPB Regulation F, or the TCPA. Those rules apply whether or not a state issues a license.
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All collection / arm states · All Arizona licenses · NMLS guide
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Agency names and filing paths are public facts from state regulator sites, the NMLS / CSBS agency directory, and published statutes. License categories and exemptions change. Confirm the current checklist on the official site before you apply. This is not legal advice and not a fee schedule.