Collection / ARM in Pennsylvania

Who needs this in Pennsylvania

Pennsylvania does not operate a typical statewide collection-agency license. Collectors that contact Pennsylvania consumers are still subject to the Fair Credit Extension Uniformity Act and the FDCPA.

Where to file

There is no collection-agency application at the Department of Banking and Securities that matches the license used in most other states. Confirm city business-license rules if you have a Pennsylvania office.

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