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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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Understanding Lienholders in Insurance Policies

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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 DFS NY Aug 1, 2026

    New York DFS circular letter on motor vehicle insurance reforms

    DFS issued a circular letter on July 1, 2026 directing insurers to reflect motor vehicle insurance statutory changes in pending rate filings. The letter set a clear filing deadline of August 31, 2026.

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  • Action New York Department of Financial Services NY Jul 29, 2026

    Auto insurance fraud training tied to FY 2027 reform rollout

    On July 22, 2026, DFS announced specialized training for nearly 270 law-enforcement officials from 55 agencies on combating auto insurance fraud. DFS described the effort as part of implementing FY 2027 budget reforms and connected it to July 1, 2026 insurer guidance on reflecting anticipated savings in rate filings.

    Read explainer
  • Action New York Department of Financial Services NY Jul 29, 2026

    Workers' compensation insurance rate reduction approved

    On July 15, 2026, New York DFS approved an average 22 percent reduction in workers' compensation insurance premium rates. DFS said the change would take effect October 1, 2026 and is expected to save businesses more than $1 billion.

    Read explainer
  • Action Iowa Insurance Division IA Jul 27, 2026

    Iowa Insurance Division revokes nonresident producer license and orders restitution

    On July 20, 2026, the Iowa Insurance Division announced a consent order against Starrla Ramae Norman revoking her Iowa nonresident insurance producer license. The order bars her from Iowa insurance business and Iowa securities-industry participation, and requires $44,954 in restitution plus $10,000 in investigative and prosecution costs.

    Read explainer
  • Action FTC Jul 25, 2026

    Celsius Network Founders Ordered to Pay $16.5 Million

    On July 20, 2026, the FTC announced that the founders of Celsius Network were ordered to pay $16. 5 million to resolve FTC charges.

    Read explainer