Collection Agencies - DFI
Collection Agencies - DFI
Collection Agencies

This License is required of any person who directly or indirectly solicits claims for collection or collects claims owed, due or asserted to be owed or due to a third party.

Who is exempt from this License?  Please review A.R.S. § 32-1004

Inquiries concerning the preparation and filing of License and renewal applications with the Department should be directed to the Licensing Division at 602-771-2800 Option #2 or e-mail at [email protected] .  

Forms and Fees

Application Fees and Forms for Collections Agencies
Arizona Revised Statues §6-126 et seq.

The following nonrefundable fees are payable to the department with the filing of the following applications:



New Application 

$1,500.00 + License Fee (based upon submission date):

Jan, Feb, Mar: $600.00
April, May, June: $450.00
July, Aug, Sept: $300.00
Oct: $150.00
Nov, Dec: $750.00

Fees are nonrefundable.

License Renewal

License Year: 01/01 - 12/31
Renewal Due: 11/01 - 12/31



Fee is non-refundable.




Name Change
Required Reports

Fictitious Name Report (AAC R20-4-1520 C)

Due on July 1 and December 31 of each year.

Laws, Rules & Substantive Policy Statements & Regulatory Alerts

Arizona Revised Statutes

Article 1 Administration

32-1001   Definitions

32-1004   Exemptions


Article 2   Licensing

32-1021    Original application for license; financial statement; bond; definition

32-1022    Contents of financial statement; bond provisions

32-1023    Qualifications of applicants

32-1024    Licensing out‑of‑state collection agents

32-1025    Annual renewal of license; suspension; expiration

32-1026    Issuance of licenses

32-1027    Issuance of provisional license for limited purposes

32-1028    Fees


Article 3    Regulation

32-1051     Duties of licensees

32-1053    Denial, revocation or suspension of license

32-1055    Unlawful acts

32-1056    Violation; classification

32-1057    Prosecution of violations; individual liability


Chapter 4 Collection Agencies

ARTICLE 15 . Collection Agencies

Arizona Administrative Code Title 20



Substantive Policy Statements 
ARTICLE 1. General Administration


Regulatory Alerts

Collection Agency

Regulatory Bulletin CA-05-01


It is the policy of AZDFI to select the most effective and efficient methods of conducting examinations so that significant risks affecting safety and soundness, as well as substantive statutory compliance, can be identified and, if necessary, appropriate supervisory action taken.  Judgment must be utilized to ensure that necessary procedures are performed and ineffective activities are avoided.

The examination fee in accordance with A.R.S. 6-125 is not more than sixty-five dollars per hour for each examiner.  The assessment late penalty is fifty dollars for each day after the thirty day period the enterprise fails to remit the assessment not to exceed the examination assessment amount.

Pursuant to A.R.S. 6-122(3) examination frequency is at the Superintendent’s discretion.

For questions concerning examination of your company or license, please contact the Financial Enterprise Division at 602-771-2800 or e-mail to [email protected]

Collection Agencies - NMLS

This License is required of any person who directly or indirectly solicits claims for collection or collects claims owed, due or asserted to be owed or due to a third party.

Who is exempt from this License?  Please review A.R.S. § 32-1004

All Collection Agency Licensees that have transitioned to NMLS are encouraged to submit their renewal through NMLS. Please click HERE for Company Renewal instructions.

Company Licenses DescriptionRequirements Checklist

Collection Agency LicenseThis license will be available in NMLS starting January 2, 2017. Those entities or individuals whom act as a collection agency are required to have this license. "Collection agency" means: (a) All persons engaged directly or indirectly in soliciting claims for collection or in collection of claims owed, due or asserted to be owed or due. (b) Any person who, in the process of collecting debts occurring in the operation of his own business, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. Arizona Revised Statutes Title 32, Chapter 9 – Collection Agencies

ARS § 41-1030(G) requires most Arizona government agencies to prominently print the provisions of ARS § 41-1030(B), (D), (E) and (F) on all license applications.  The following is the language in ARS § 41-1030(B), (D), (E) and (F):

B. An agency shall not base a licensing decision in whole or in part on a licensing requirement or condition that is not specifically authorized by statute, rule or state tribal gaming compact. A general grant of authority in statute does not constitute a basis for imposing a licensing requirement or condition unless a rule is made pursuant to that general grant of authority that specifically authorizes the requirement or condition.

D. This section may be enforced in a private civil action and relief may be awarded against the state.  The court may award reasonable attorney fees, damages and all fees associated with the license application to a party that prevails in an action against the state for a violation of this section.

E. A state employee may not intentionally or knowingly violate this section.  A violation of this section is cause for disciplinary action or dismissal pursuant to the agency’s adopted personnel policy.

F. This section does not abrogate the immunity provided by section 12-820.01 or 12-820.02.

Collection Agencies - DFI