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

charitable registration

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareDCDistrict of ColumbiaFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaPRPuerto RicoRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

contractor license

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareDCDistrict of ColumbiaFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

debt collection

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareDCDistrict of ColumbiaFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaPRPuerto RicoRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

money transmitter

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareDCDistrict of ColumbiaFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaPRPuerto RicoRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

mortgage

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareDCDistrict of ColumbiaFLFloridaGAGeorgiaHIHawaiiIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaPRPuerto RicoRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

subdivision

ALAlabamaAKAlaskaAZArizonaARArkansasCACaliforniaCOColoradoCTConnecticutDEDelawareFLFloridaIDIdahoILIllinoisINIndianaIAIowaKSKansasKYKentuckyLALouisianaMEMaineMDMarylandMAMassachusettsMIMichiganMNMinnesotaMSMississippiMOMissouriMTMontanaNENebraskaNVNevadaNHNew HampshireNJNew JerseyNMNew MexicoNYNew YorkNCNorth CarolinaNDNorth DakotaOHOhioOKOklahomaOROregonPAPennsylvaniaRIRhode IslandSCSouth CarolinaSDSouth DakotaTNTennesseeTXTexasUTUtahVTVermontVAVirginiaWAWashingtonWVWest VirginiaWIWisconsinWYWyoming

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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.

  • ActionCalifornia DFPICAOct 24, 2026

    California Lender Reporting Requirement for Insurance Payouts

    California DFPI ordered financial institutions to report data on how lenders managed insurance payouts to survivors of the Los Angeles fires.

    Read explainer
  • InfoCalifornia DFPICAOct 23, 2026

    DFPI Warns Lenders About Handling Insurance Payouts

    On October 15, 2026, the California DFPI ordered financial institutions to report on their handling of insurance payouts for fire survivors in Los Angeles. Non-compliance could lead to enforcement actions.

    Read explainer
  • ActionNew York DFSNYOct 21, 2026

    Final Adoption of Insurance Regulation 168 - Confidentiality Protocols

    New York DFS adopted a regulation to establish confidentiality protocols for victims of domestic violence and endangered individuals within the insurance sector.

    Read explainer
  • ActionCalifornia DFPICAOct 21, 2026

    Order to Financial Institutions Regarding LA Fire Insurance Payouts

    The DFPI mandated financial institutions to report data on their insurance payout handling for Los Angeles fire survivors, threatening enforcement against non-compliance.

    Read explainer
  • ActionMaryland Office of Financial RegulationMDOct 19, 2026

    Maryland MLO License Portability and Insurance Producer Changes

    Effective October 1, 2026, Maryland updated its mortgage loan originator (MLO) licensing to include portability for active service members and modified requirements for affiliated insurance producers.

    Read explainer