New york state debt collection license

Taxpayer Protection Initiative. Contact Us. The Federal Fair Debt Collection Practices Act FDCPA regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor or another debt collector and are now trying to collect from you.

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law Article H of the General Business Law governing debt collection practices.

Both federal and state laws regulate and restrict various debt collection practices. The Office of Attorney General's website is provided in English. However, the "Google Translate" option may assist you in reading it in other languages.

Google Translate cannot translate all types of documents, and it may not give you an exact translation all the time. Learn which permits, licenses and regulations matter to you Use the Step by Step tool to get an exhaustive list of requirements that matter to you.

Use the Step by Step Tool. Stay Connected. Click Here. Disclaimer: The information provided in this site is not legal advice, but general information on audit, compliance and licensing issues commonly encountered by Collection Companies.

Orion Licensing's Service is not a law firm and is not a substitute for an attorney or law firm. The information on the website is designed to provide accurate and authoritative information in regard to the subject matter covered.

It is presented with the understanding that it is not engaged in rendering legal, accounting or other professional services. Online Services Available You can: Use online services to get an application or to apply for or renew a license Contact a representative by email or phone See sections below. You are required to get a license if you are: An attorney or law firm who regularly engages in activities that are usually performed by debt collectors A debt buyer business that buys old debt and then tries to collect money directly or through a third party Both in-State and out-of-State agencies are required to have a NYC license to collect debts owed by NYC residents.

Expiration Date The license expires January 31 in odd-numbered years. Language Access Rule As of June 27, , debt collectors must inform consumers about whether any language access services are available.

Get an Application. Online Visit the Department of Consumer Affairs' license page. By Mail. Call to request a paper copy. Call for assistance. Online You can check the status of your application through your DCA account. By Phone. Online On the DCA website you can: Live chat with a DCA representative Learn about laws you need to know and obey Learn about other licenses you might need Download valuable publications, tips, and FAQs Request an inspection Read checklists to learn what DCA inspectors look for in your industry and avoid violations Learn how to handle consumer complaints Pay fines by credit card Resolve a DCA violation Update important business information, including your contact information, your name or business name, or corporate officer information Request the replacement of a lost, stolen, or damaged DCA license document Download DCA's model contracts and model receipts, required signs, and other templates Go to the DCA Business Toolbox.

Online Technical Assistance.