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The Official Web Site of the State of South Carolina

You can file a complaint and submit applications for licensing online. Filings you do not wish to make, or that are not available, online can be submitted via mail for processing.

Department staff is available to assist with any questions at (800) 922-1594 (toll free in SC) or 803-734-4200 8:30 a.m. until 5 p.m. Monday through Friday, excluding State holidays. You can also email general questions to

Chapter Ten

  • 10.102a-8302 (PDF), issued 10/11/1983
    Form for indication of borrower's preference for legal counsel and insurance agent may be incorporated into application document by use of a rubber stamp or may be provided on a separate sheet.
  • 10.102a-9301 (PDF), issued 9/7/1993
    Clarifications of rules and penalties for lenders failing to disclose borrower's right to select counsel to represent buyer in first lien mortgage transactions.
  • 10.102c-8301 (PDF), issued 8/23/1983
    The assumption notice required by § 37-10-102(c) may be conspicuously set forth in any portion of the Federal Truth-in-Lending disclosures and need not be segregated from other material.
  • 10.103.1-8401 (PDF), issued 9/26/1984
    § 10.103(1) does not apply to loans insured by the federal housing administration when such loans are subject to the prepayment provisions of 24 C.F.R. § 203.22.
  • 10.103-9302 (PDF), issued 9/7/1993
    The Consumer Protection Code does not require creditors to rebate origination fees, discount points or other prepaid finance charges upon prepayment of a loan secured by a first lien on real estate as long as the fees are not excessive or unconscionable.


The Administrative Interpretations are provided by the South Carolina Department of Consumer Affairs (SCDCA) for informational purposes only. While every attempt has been made to ensure the accuracy of the information on the website, SCDCA makes no warranties or representations regarding its accuracy or completeness, and each user of this website understands that SCDCA disclaims any liability for any damages in connection with its use. Due to changes in law and interpretation, it is recommended that you confirm with the SCDCA that the documents intended for use are still accurate and have not been superseded prior to any formal use.