Collection / ARM in Michigan: who needs it and where to file

Statewide license State license generally required

Filing path File through NMLS

Agency Michigan Department of Insurance and Financial Services

Who needs this in Michigan

Collection agencies that collect from Michigan consumers generally need a DIFS collection-agency license.

Where to file

Request the Michigan collection-agency license on NMLS through DIFS.

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

Other Michigan filings

Consumer & commercial lending

Who needs it in Michigan, and which desk takes the filing.

Money transmitters

Who needs it in Michigan, and which desk takes the filing.

Mortgage

Who needs it in Michigan, and which desk takes the filing.

Collection / ARM in other states

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All collection / arm states · All Michigan licenses · NMLS guide

Cornerstone on collection / arm

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.