Collection / ARM in Virginia

Who needs this in Virginia

Virginia does not require a state-level collection-agency license. Collectors that contact Virginia consumers still must follow the FDCPA and Virginia consumer-protection law.

Where to file

There is no collection-agency application at the Bureau of Financial Institutions. A consumer-finance or mortgage license is a different authority.

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