| State | Law Reference | Bond (in USD) | Registration with SOS Required? | Cancellation Period (Days after signing the contract) | Refund Period (Days after signing the contract) |
| Alabama | No state laws | N/A | N/A | N/A | N/A |
| Alaska | No state laws | N/A | N/A | N/A | N/A |
| Arizona | Credit Repair Organizations Act (A.R.S. 44-1701 et seq.) | 25,000 | N | 3 | 15 |
| Arkansas | Credit Services Organization Act (AR ST § 4-91-201 et seq.) | 10,000 | N | 5 | 10 |
| California | Credit Services Act (Civ. Code §§ 1789.10 et seq.) | 100,000 | Y | 5 | 15 |
| Colorado | Credit Services Organization Act (CO Rev. Stat. 5-19-101 et seq.) | N/A | N | 5 | 10 |
| Connecticut | CT. Gen. Stat. § 36a-700 et seq. | N/A | N | N/A | N/A |
| Delaware | Del. Code. §2401 et seq. | 15,000 | Y | 3 | 10 |
| Florida | Fla. Stat. §817.7001 et seq. | 10,000 | N | 5 | 10 |
| Georgia | Credit repair organizations are illegal | N/A | N/A | N/A | N/A |
| Hawaii | HI. Rev. Stat. § 481B-12 et seq. | N/A | N | N/A | N/A |
| Idaho | Idaho Collection Agency Act (ID. Code. §26-2221 et seq.) | 15,000 | Y | N/A | N/A |
| Illinois | Credit Services Organizations Act (815 ILCS 605/1 et seq.) | 100,000 | Y | 3 | 10 |
| Indiana | Credit Services Organizations (I.C. 24-5-15-1 et seq.) | 25,000 | N | 3 | 10 |
| Iowa | Credit Services Organizations (IA. Code. §538A et seq.) | 10,000 | Y | 3 | 10 |
| Kansas | Credit Services Organization Act (K.S.A. 50-1116 et seq.) | 25,000 | Y | N/A | 10 |
| Kentucky | No state laws | N/A | N/A | N/A | N/A |
| Louisiana | Credit Repair Services Organizations Act (LA Rev Stat § 9:3573.1 et seq.) | 100,000 | Y | 5 | 10 |
| Maine | Consumer Credit Code – Loan Brokers (ME Rev. Stat. 9-A § 10-101 et seq.) | 25,000 | N | N/A | N/A |
| Maryland | Credit Services Businesses Act (MD. Code. § 14-1901 et seq.) | 50,000 | N | 3 | 10 |
| Massachusetts | MA. Gen. Laws. 15-93 § 68 et seq. | 10,000 | N | 3 | 10 |
| Michigan | Credit Services Protection Act (MI. Comp. L. § 445.1821 et seq.) | N/A | N | N/A | N/A |
| Minnesota | MN. Stat. § 332.52 et seq. | 10,000 | Y | 5 | 10 |
| Mississippi | Debt Management Services Act (MS ST § 81-22-1 (Renacted) et seq.) | 50,000 | Y | N/A | N/A |
| Missouri | MO. Stat. 407.635 et seq. | 10,000 | Y | 3 | 10 |
| Montana | No state laws | N/A | N/A | N/A | N/A |
| Nebraska | Credit Services Organization Act (Neb. Rev. Stat. §45-801 et seq.) | 100,000 | Y | 3 | 10 |
| Nevada | NRS 598.741 et seq. | 100,000 | Y | 5 | 10 |
| New Hampshire | Credit Services Regulation Act (N.H. Rev. Stat. § 359 D:1 et seq.) | 25,000 | N | 5 | 5 |
| New Jersey | No state laws | N/A | N/A | N/A | N/A |
| New Mexico | No state laws | N/A | N/A | N/A | N/A |
| New York | Credit Services Business (N.Y. Gen. Bus. 28-BB § 458-a et seq.) | N/A | N | 3 | N/A |
| North Carolina | Credit Repair Services Act (N.C. Gen. Stat. § 66-220 et seq.) | 10,000 | N | 3 | 10 |
| North Dakota | No state laws | N/A | N/A | N/A | N/A |
| Ohio | Credit Services Organization Act (OH. Rev. Code. § 4712.01 et seq.) | 50,000 | Y | 3 | N/A |
| Oklahoma | Credit Services Organization Act (24 O.S. §§ 131 et seq.) | 10,000 | Y | 5 | 10 |
| Oregon | Debt Management (OR. Rev. Stat. 697.602 et seq.) | 10,000 | Y | 3 | N/A |
| Pennsylvania | Credit Services Act (73 P.S. § 2181 et seq.) | 5,000 – 25,000 | N | 5 | 15 |
| Puerto Rico | P.R. Laws tit. 7, § 630a et seq. | 10,000 | Y | 7 | 15 |
| Rhode Island | No state laws | N/A | N/A | N/A | N/A |
| South Carolina | Consumer Credit Counseling (S.C. Stat. § 37-7-101 et seq.) | 25,000 | Y | 10 | 10 |
| South Dakota | No state laws | N/A | N/A | N/A | N/A |
| Tennessee | Credit Services Businesses Act (TN ST § 47-18-1001 et seq.) | 100,000 | N | 5 | 10 |
| Texas | TX. Fin. Code. § 393.001 et seq. | 10,000 | Y | 3 | 10 |
| US Virgin Islands | Virgin Islands Uniform Debt Services Management (12 V.I.C. § 401 et seq.) | 50,000 | Y | 3 | N/A |
| Utah | Credit Services Organization Act (UT. Code. §13-21-1 et seq.) | 100,000 | Y | 5 | 10 |
| Vermont | No state laws | N/A | N/A | N/A | N/A |
| Virginia | Credit Services Businesses Act (VA. Code. § 59.1-335.1 et seq.) | 50,000 | Y | 3 | 10 |
| Washington | Credit Services Organization Act (R.C.W. § 19.134 et seq.) | 10,000 | N | 5 | 10 |
| West Virginia | Consumer Credit and Protection Act (W.V. Code Ch. 46A et seq) | 15,000 | Y | 3 | 10 |
| Wisconsin | Credit Services Organization (WI. Leg. § 422.501 et seq.) | 25,000 | Y | 5 | 15 |
| Wyoming | No state laws | N/A | N/A | N/A | N/A |
Knowledge Center
Credit Repair State Laws Chart
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