States / New York
NY · Northeast
DFS licenses lenders, mortgage companies, and money transmitters statewide. Collection work that reaches New York City residents also needs the city’s DCWP license.
Licensed lenders, mortgage companies, money transmitters, and virtual-currency supervision
Official site →Debt-collection licenses for activity involving New York City residents
Official site →Who needs the license and which desk takes the filing. No fee table — confirm costs with the agency or a filer.
State license generally required
NYC Debt Collection Agency License (and confirm any DFS duty)
NYC Department of Consumer and Worker Protection
Who needs it, where to file →State license generally required
Licensed Lender (and related DFS lending authorities)
New York State Department of Financial Services
Who needs it, where to file →State license generally required
Money transmitter license (and BitLicense for certain virtual-currency activity)
New York State Department of Financial Services
Who needs it, where to file →State license generally required
Mortgage lender, broker, and/or servicer license
New York State Department of Financial Services
Who needs it, where to file →Insurance producer and adjuster licenses usually file with the New York department of insurance (often through NIPR). Contractor licenses, if the state has them, file with the contractor board or a city or county. Charitable solicitation registration, where it exists, files with the attorney general or secretary of state. See the insurance, contractor, and charity overviews.
Also useful: How NMLS works and multi-state licensing.
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.