Credit Repair State Laws Chart

StateLaw ReferenceBond (in USD)Registration with SOS Required? Cancellation Period (Days after signing the contract)Refund Period (Days after signing the contract)
AlabamaNo state lawsN/AN/AN/AN/A
AlaskaNo state lawsN/AN/AN/AN/A
ArizonaCredit Repair Organizations Act (A.R.S. 44-1701 et seq.)25,000N315
ArkansasCredit Services Organization Act (AR ST § 4-91-201 et seq.)10,000N510
CaliforniaCredit Services Act (Civ. Code §§ 1789.10 et seq.)100,000Y515
ColoradoCredit Services Organization Act (CO Rev. Stat. 5-19-101 et seq.)N/AN510
ConnecticutCT. Gen. Stat. § 36a-700 et seq.N/ANN/AN/A
DelawareDel. Code. §2401 et seq.15,000Y310
FloridaFla. Stat. §817.7001 et seq.10,000N510
GeorgiaCredit repair organizations are illegalN/AN/AN/AN/A
HawaiiHI. Rev. Stat. § 481B-12 et seq.N/ANN/AN/A
IdahoIdaho Collection Agency Act (ID. Code. §26-2221 et seq.)15,000YN/AN/A
IllinoisCredit Services Organizations Act (815 ILCS 605/1 et seq.)100,000Y310
IndianaCredit Services Organizations (I.C. 24-5-15-1 et seq.)25,000N310
IowaCredit Services Organizations (IA. Code. §538A et seq.)10,000Y310
KansasCredit Services Organization Act (K.S.A. 50-1116 et seq.)25,000YN/A10
KentuckyNo state lawsN/AN/AN/AN/A
LouisianaCredit Repair Services Organizations Act (LA Rev Stat § 9:3573.1 et seq.)100,000Y510
MaineConsumer Credit Code – Loan Brokers (ME Rev. Stat. 9-A § 10-101 et seq.)25,000NN/AN/A
MarylandCredit Services Businesses Act (MD. Code. § 14-1901 et seq.)50,000N310
MassachusettsMA. Gen. Laws. 15-93 § 68 et seq.10,000N310
MichiganCredit Services Protection Act
(MI. Comp. L. § 445.1821 et seq.)
MinnesotaMN. Stat. § 332.52 et seq.10,000Y510
MississippiDebt Management Services Act (MS ST § 81-22-1 (Renacted) et seq.)50,000YN/AN/A
MissouriMO. Stat. 407.635 et seq.10,000Y310
MontanaNo state lawsN/AN/AN/AN/A
NebraskaCredit Services Organization Act (Neb. Rev. Stat. §45-801 et seq.)100,000Y310
NevadaNRS 598.741 et seq.100,000Y510
New HampshireCredit Services Regulation Act (N.H. Rev. Stat. § 359 D:1 et seq.)25,000N55
New JerseyNo state lawsN/AN/AN/AN/A
New MexicoNo state lawsN/AN/AN/AN/A
New YorkCredit Services Business (N.Y. Gen. Bus. 28-BB § 458-a et seq.)N/AN3N/A
North CarolinaCredit Repair Services Act (N.C. Gen. Stat. § 66-220 et seq.)10,000N310
North DakotaNo state lawsN/AN/AN/AN/A
OhioCredit Services Organization Act (OH. Rev. Code. § 4712.01 et seq.50,000Y3N/A
OklahomaCredit Services Organization Act (24 O.S. §§ 131 et seq.)10,000Y510
OregonDebt Management (OR. Rev. Stat. 697.602 et seq.)10,000Y3N/A
PennsylvaniaCredit Services Act (73 P.S. § 2181 et seq.)5,000 – 25,000N515
Puerto RicoP.R. Laws tit. 7, § 630a et seq.10,000Y715
Rhode IslandNo state lawsN/AN/AN/AN/A
South CarolinaConsumer Credit Counseling (S.C. Stat. § 37-7-101 et seq.)25,000Y1010
South DakotaNo state lawsN/AN/AN/AN/A
TennesseeCredit Services Businesses Act (TN ST § 47-18-1001 et seq.)100,000N510
TexasTX. Fin. Code. § 393.001 et seq.10,000Y310
US Virgin IslandsVirgin Islands Uniform Debt Services Management (12 V.I.C. § 401 et seq.)50,000Y3N/A
UtahCredit Services Organization Act (UT. Code. §13-21-1 et seq.)100,000Y510
VermontNo state lawsN/AN/AN/AN/A
VirginiaCredit Services Businesses Act (VA. Code. § 59.1-335.1 et seq.)50,000Y310
WashingtonCredit Services Organization Act (R.C.W. § 19.134 et seq.)10,000N510
West VirginiaConsumer Credit and Protection Act (W.V. Code Ch. 46A et seq)15,000Y310
WisconsinCredit Services Organization (WI. Leg. § 422.501 et seq.)25,000Y515
WyomingNo state lawsN/AN/AN/AN/A
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