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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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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 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

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

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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 New York Department of Financial Services NY Jul 13, 2026

    DFS Final Adoption for Agent Training Allowance Subsidies Under 3rd Amendment to 11 NYCRR 12

    DFS's insurance regulatory activity page shows final adoption dated July 8, 2026 for Agent Training Allowance Subsidies for Certain Life Insurance and Annuity Business under the 3rd Amendment to 11 NYCRR 12, Insurance Regulation 50. The item reflects a completed state rulemaking step during the period.

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  • Watch New York Department of Financial Services NY Jul 13, 2026

    DFS Pre-Proposed Eighth Amendment to 11 NYCRR 16, Special Risk Insurance

    New York DFS posted pre-proposed outreach on July 1, 2026 for the Eighth Amendment to 11 NYCRR 16, Insurance Regulation 86, Special Risk Insurance. Outreach comments were due July 13, 2026.

    Read explainer
  • Action Rhode Island Department of Business Regulation, Insurance Division RI Jul 12, 2026

    Rhode Island insurance consent agreement with Equitable entities

    Rhode Island DBR Insurance Division entered a consent agreement dated July 2, 2026 in the matter of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America, order 2025-IN-023. The item is a state financial services enforcement action within the requested period.

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  • Action New York State Department of Financial Services NY Jul 12, 2026

    New York DFS adopted 3rd Amendment to Insurance Regulation 50

    On July 8, 2026, DFS posted final adoption of the 3rd Amendment to 11 NYCRR 12, Insurance Regulation 50. The amendment concerns agent training allowance subsidies for certain life insurance and annuity business.

    Read explainer
  • Watch New York State Department of Financial Services NY Jul 12, 2026

    New York DFS pre-proposed outreach on Special Risk Insurance amendment

    On July 1, 2026, DFS posted pre-proposed outreach for the Proposed Eighth Amendment to 11 NYCRR 16, Insurance Regulation 86, concerning Special Risk Insurance. Comments were due July 13, 2026.

    Read explainer