Collection / ARM in North Carolina

Who needs this in North Carolina

Collection agencies that collect from North Carolina consumers generally need a collection-agency permit from the Department of Insurance, not from the Commissioner of Banks.

Where to file

File with the NCDOI collection-agency program. NCCOB NMLS licenses cover mortgage, consumer finance, and money transmission — not this permit.

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