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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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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 Third-party collection, first-party, debt buying, and settlement licensing laws by state. 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

debt collection

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money transmitter

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mortgage

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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.

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  • Action Louisiana Legislature LA Jun 30, 2026

    Louisiana enacts comprehensive Money Transmission Act

    Louisiana enacted HB 1230, a new comprehensive Money Transmission Act signed on June 9, 2026. The law takes effect July 1, 2026 and replaces the prior framework with a broader licensing, supervision, reporting, net worth, surety bond, permissible investment, and authorized agent structure aligned with the CSBS model.

    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