Collection / ARM in Georgia

Who needs this in Georgia

Georgia does not issue a state-level collection-agency license. Third-party collectors that contact Georgia consumers still must follow the federal FDCPA and Georgia consumer-protection statutes.

Where to file

There is no collection-agency application to file with the Department of Banking and Finance. Confirm you are not also making loans that would trigger a Georgia Industrial Loan or other DBF license.

Federal overlay

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.

Sources

• NMLS / CSBS state agency contacts
• CFPB — Fair Debt Collection Practices Act