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State Laws

State Licensing Laws, Summarized

Plain-English summaries of state-level licensing requirements, regulatory bodies, and key statutes. Updated as state law changes.

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Maps by industry

Explore state laws by industry

Each regulated industry has its own state-by-state map and law summaries. Choose an industry to see only that industry's requirements.

Debt collection Collection agency license requirements by state: third-party, first-party, debt buying, and settlement licensing laws. View Debt collection map Mortgage Mortgage lender, broker, servicer, and loan originator licensing laws by state. View Mortgage map Money transmitter Money transmitter, MSB, and virtual currency licensing laws by state. View Money transmitter map Nonprofit & charitable registration Charitable solicitation registration requirements by state: who must register, exemptions, renewals, and fundraiser rules. View Nonprofit & charitable registration map

charitable registration

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania PR Puerto Rico RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

contractor license

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

debt collection

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania PR Puerto Rico RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

money transmitter

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania PR Puerto Rico RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

mortgage

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware DC District of Columbia FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania PR Puerto Rico RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

subdivision

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware FL Florida ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

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Regulatory Watch

Stay Ahead of the Rules

Recent rule changes, deadline announcements, and state agency updates we are tracking for you.

  • Action Georgia Department of Banking and Finance GA Jul 13, 2026

    Georgia Money Transmitter Penalty Rule 80-3-4-.01 Effective

    Georgia rule 80-3-4-. 01 became effective July 6, 2026 and sets administrative fines tied to money transmitter violations.

    Read explainer
  • Action Virginia state legislature and state financial regulator VA Jul 5, 2026

    Virginia full MTMA implementation becomes effective

    Virginia's full implementation of the Money Transmission Modernization Act became effective on July 1, 2026. The change places Virginia among the states adopting more standardized money transmission rules on capital, surety bond, and permissible investments.

    Read explainer
  • Action Louisiana Legislature LA Jul 1, 2026

    Louisiana Money Transmission Act Takes Effect

    Louisiana enacted HB 1230 creating the Louisiana Money Transmission Act in Title 6, Chapter 13, effective July 1, 2026. Legislative materials indicate the law includes licensing provisions such as application investigation, fees, and surety bond requirements.

    Read explainer
  • Action Louisiana Legislature / Governor LA Jun 29, 2026

    Louisiana Enacts New Money Transmission Act

    Louisiana enacted a new Money Transmission Act through House Bill 1230, signed June 9, 2026, with an effective date of July 1, 2026. The law largely tracks the CSBS model and updates licensing through NMLS, quarterly call reporting, annual audited financials, net worth and surety bond standards, permissible investments, agent oversight, and enforcement authority.

    Read explainer
  • Watch New York Department of Financial Services NY Jun 17, 2026

    New York DFS proposes permanent insurer RBC treatment for certain fixed-income ETFs

    In the June 10, 2026 New York State Register, DFS published a proposed rule titled Risk-Based Capital (P). The amendment would remove the January 1, 2027 sunset and make permanent the treatment of certain fixed-income ETF shares as bonds for insurer RBC reporting if specified criteria are met.

    Read explainer