The Department of Insurance and Financial Institutions is responsible for issuing and renewing licenses for a variety of professionals and companies who wish to do business in the following industries:

• Acquisition and Holding Company Registration
• Captive Insurer/Domestic RRG
• Insurer
• Life Care Provider
• Life Settlement Provider
• Rate Service OrganizationPurchasing Group
• Rating Organization
• Reinsurer
• Risk Retention Group Foreign
• Senior Residential Entrance Fee Contract Provider
• Service Company
• Surplus Lines Insurer
• Third-Party Administrator (Life/Health)
• Utilization Review Agent
• Title Agent

• Advance Fee Loan Broker- a person who for an advanced fee or in the expectations of an advance fee, either directly or indirectly, makes, procures, offers, or attempts to make or procure a loan of money or extension of credit. 
• Collection Agency - A 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.
• Commercial Mortgage Banker - A person who engages in the following: (a)originating commercial mortgage loans, (b) servicing commercial mortgage loans, (c) either directly or indirectly making, negotiating or offering to make or negotiate commercial mortgage loans.
• Commercial Mortgage Broker - A person who for compensation or in the expectation of compensation either directly or indirectly makes, negotiates, or offers to make or negotiate a commercial mortgage loan. Commercial Mortgage Banker - A person who engages in originating commercial mortgages loans, servicing commercial mortgage loans or either directly or indirectly makes, negotiates, or offers to make or negotiate commercial loans. 
• Consumer Lender - A person that advertises for, solicits or holds themselves out as willing to make or procure a loan of $10,000 or less or a revolving loan of not more than $10,000.
• Debt Management Company - A person engaging in whole or in part in the business of receiving money as an agent of a debtor for the purpose of distributing the same to creditors in payment of obligations for compensation. 
• Escrow Agent - A person carrying on escrow transactions wherein escrow property is delivered to a person not otherwise having any right, title, or interest in connection with the sale, transfer, encumbrance, or lease of real or personal property to be delivered or redelivered upon the contingent happening or non-happening of a specific event or prescribed act. 
• Loan Originator - A person who for compensation or gain in the expectation of compensation or gain takes a residential mortgage loan application, offers or negotiates terms of a residential mortgage loan or on behalf of a borrower, negotiates with lender or note holder to obtain a temporary or permanent modification in an existing residential mortgage loan agreement. 
• Money Transmitter - A company who sells or issues payment instruments, receives money for transmission, exchanges payment instruments, or receives money for obligors for the purpose of paying bills, invoices, or accounts. 
• Mortgage Banker - A person who for compensation or in the expectation of compensation either directly or indirectly, makes negotiates, or offers to make or negotiate a mortgage banking loan or a mortgage loan.
• Mortgage Broker - A person who for compensation or in the expectation of compensation either directly or indirectly makes, negotiates, or offers to make or negotiate a mortgage loan. See also Certificates of Exemption under. A.R.S. 6-912 for Registered Exempt Person. 
• Premium Finance Company - A person who engages in the business of financing insurance premiums, enters into premium finance agreements or otherwise acquires premium finance agreements. 
• Pre-Need Funeral Trust Company - Funeral establishments that offer a service whereby a consumer can establish a contract that will provide for prepayment of funeral expenses. 
• Registered Exempt Person - See Certificates of Exemption under A.R.S. 6-912.
• Sales Finance Company - A person who creates, purchases, or holds motor vehicle retail installment contracts exceeding a total aggregate outstanding indebtedness of $50,000. Sales finance companies also lend money for secondary motor vehicle financing commonly known as a title lender that allows consumers to borrow money based on the equity in their automobile. 

• Bank - An entity engaging in the business of receiving money on deposit and loaning money for commercial and other purposes.
• Savings and Loan Association - An Association receiving money on deposits and extending credit for homes and other goods and services. 
• Credit Union - Cooperative non-profit associations that encourage thrift among members and create a source of credit and other financial services at a fair and reasonable cost
• Trust Company - Persons who hold out to the public that they are available to act as a fiduciary and accept and perform duties as a fiduciary in the regular course of business. 

• Appraisal Management Company - An entity that administers an appraiser panel of independent contract appraisers to perform real property appraisal services, receives requests for real property appraisal services from clients, and for a fee, contracts with one or more independent appraisers to perform appraisal services. They serve as a third-party liaison between primarily lenders and appraisers.
• Certified General Appraiser - A person who is qualified to appraise all types of real property.
• Certified Residential Appraiser - A person who is qualified to appraise complex properties one to four family units having a transaction value of over $1,000,000.
• Designated Supervisor Appraiser - A person, who directly supervises registered trainee appraisers, accepts responsibility for an appraisal by signing and certifying that it complies with the USPAP, reviews and signs all registered trainee appraiser reports, and personally inspects each appraised property.
• Licensed Residential Appraiser - A person who is qualified to appraise non-complex one to four family units having a transaction value of less than $1,000,000. 
• Nonresident Temporary Appraiser - A person who is a licensed or certified appraiser in another state who requires temporary permission to conduct an appraisal assignment in Arizona. 
• Property Tax Agent - A person who is a designated agent acting on the behalf of persons who own, control, or possess property valued by the country assessor relating to the review of the valuation and classification of the property before the County of State Board of Equalization. 
• Registered Trainee Appraiser - A person who performs appraisal serves only under the direct supervision of a certified appraiser.