Office of the Commissioner of Financial Regulation

Unless otherwise exempt, persons intending to engage in credit services business activities with Maryland consumers (such as credit repair, or obtaining extensions of credit including loan modifications) must first obtain a credit services businesses license pursuant to the Commercial Law Article, Title 14, Subtitle 19, Annotated Code of Maryland.

Featured Information

Loss Mitigation Consulting, Foreclosure Prevention, Mortgage Loan Modification, and Similar Services Under the Maryland Credit Services Businesses Act (MCSBA) and the Protection of Homeowners in Foreclosure Act (PHIFA)

Applications and Forms

Credit Services Business (Original Office) Application (Word document, 381KB, download Word viewer for free)
Credit Services Business (Branch) Application (Word document, 381KB, download Word viewer for free)
Credit Services Business Renewal Application
Interim Change
Surety Bond Form (Word document, 35KB, download Word viewer for free)
Update Licensing Contact Information (Word document, 50KB, download Word viewer for free)

Laws and Rules

Applicants and licensees are expected to be knowledgeable about and in compliance with the Credit Services Businesses Act, and any other applicable state or federal statutes and regulations.

Maryland Code Annotated, Commercial Law § 14-1901 et seq. (Maryland Credit Services Businesses Act)

Return to the Commissioner of Financial Regulation home page

Questions or comments regarding the Commissioner of Financial Regulation may be directed to finreg@dllr.state.md.us.
Questions or comments regarding the DLLR website may be directed to webmaster@dllr.state.md.us.