In accordance with Governor Lamont's emergency declaration, employees and the public are asked to observe social distancing measures to ensure communal safety and to slow the spread of the novel coronavirus (COVID-19). People are asked to work from home and telecommute wherever possible. Adhering to these instructions, the Department of Banking has closed its offices to the public. However, agency staff will continue to provide services to consumers and industry through telework. When contacting the Department, please use electronic communication whenever possible. Agency staff will continue to check voicemails during this time. Consumers are encouraged to use our online form for complaints. If you are unsure where to send an inquiry, you may send it to and it will be routed appropriately. Thank you for your patience during this time.

Consumer Collection Agency Licensing

In response to the outbreak of the coronavirus, the Banking Commissioner issued a memo on March 9, 2020 advising the mortgage industry, and other financial services sectors licensed by the Department, that it would take a no action position with regard to employees working from home who otherwise would be required to work from a licensed branch location.  Revised memos extending the no action position were issued on April 16, 2020, May 20, 2020, June 19, 2020, August 21, 2020, and December 17, 2020:

No Action Position Regarding Temporarily Working from Home Extended to March 31, 2021Updated December 17, 2020
No Action Position Regarding Temporarily Working from Home ExtendedUpdated August 21, 2020

No Action Position Regarding Temporarily Working from Home ExtendedUpdated June 19, 2020
No Action Position Regarding Temporarily Working from Home ExtendedUpdated May 20, 2020
No Action Position Regarding Temporarily Working from Home ExtendedUpdated April 16, 2020
No Action Position Regarding Temporarily Working from Home Due to COVID-19

Essential Statutes

Please reference the relevant Connecticut Statutes (§§ 36a-800 to 36a-814, inclusive) as amended from time to time, and Regulations before applying for a license.

Warning to Licensees Who Collect Debt From CT Consumers: 
It is illegal to collect on consumer loans which violate Connecticut’s small loan regulatory scheme or to receive payment processing fees not contemplated by a consumer’s underlying debt contract - see attached memo.  A person is prohibited from directly or indirectly assisting or aiding and abetting any person in conduct prohibited by Sections 36a-555 to 36a-573, inclusive.

Notice to all Consumer Collection Agencies:
How to Apply:

If you wish to apply for a consumer collection agency license you should begin by first reviewing Connecticut’s Jurisdiction-Specific Requirements along with Connecticut's consumer collection licensing statutes, which provides the current licensing procedures and requirements applicable to consumer collection agencies.

If your company already has a completed record in the Nationwide Multistate Licensing System and Registry, then applying for a license in Connecticut merely involves filing your company's record (Form MU1), control person records (Form MU2), and relevant branch records (Form MU3) with Connecticut through the NMLS and mailing in the jurisdiction-specific requirements to the Department.

Go to the Getting Started page of the NMLS website and follow the steps outlined:

NMLS Resource Center button

Any questions relating to the NMLS should be directed to the NMLS Call Center at (855) 665-7123.


Connecticut Department of Banking
Consumer Credit Division
260 Constitution Plaza
Hartford, CT 06103-1800

Telephone: (860) 240-8200 or toll-free 800-831-7225
Fax: (860) 240-8215

WHO TO CONTACT - Contact Paola Barry by phone at 860-240-8252 or send your questions
via e-mail to  for additional assistance.