Ditch the Pitch
The South Carolina Department of Consumer Affairs (DCA) is the administrator and enforcer of the law governing consumer credit transactions and also has responsibility over approximately fifteen industries. Review the descriptions below for basic information about the industries required to be licensed or registered. Click on the industry name to learn more.
Need to file with DCA? Click to access the new online licensing system.
|Athlete Agents||Contracts with a student athlete or, directly or indirectly, recruits or solicits a student athlete to enter into an agency contract.|
|Continuing Care Retirement Communities||Provides lodging along with nursing, medical, or other health-related services to people 65 years of age or older pursuant to a continuing care contract. Includes independent living, assisted living, and skilled nursing care. Institutions operating solely as nursing homes and community residential care facilities are licensed by DHEC.|
|Credit Counselors||Offers to improve credit rating, reduce debt, or eliminate debt. Includes credit repair, debt consolidation, debt management, debt negotiation, debt settlement, foreclosure assistance, and loan modification.|
|Discount Medical Plan Organizations||Offers discount programs for health care services with participating providers (doctors, pharmacies, etc.). Does not include insurance.|
|Mortgage Brokers||Brings a borrower and mortgage lender together. Includes loan correspondents, table-funding, and third party loan processors and underwriters.|
|Motor Clubs||Offers memberships for motor club services or reimbursement for motor club services including towing, emergency roadside, emergency travel expense, travel, guaranteed hotel/motel rates, new car pricing, etc.|
|Pawnbrokers||Lends money for goods or personal property that may be redeemed or repurchased at a later date.|
|Physical Fitness Service Providers||Offers services for development of physical fitness through exercise or weight control. Includes personal trainers, gyms, health or exercise centers, clubs, studios, or classes; health spas; weight control centers, tanning centers; and athletic or sport clubs.|
|Preneed Funeral Contract Providers||Sells contracts for purpose of performing funeral services or providing merchandise or services of any nature in connection with the final disposition of a person who is alive at the time of the contract.|
|Prepaid Legal||Offers contracts for legal services or reimbursement for legal services for a predetermined, specific, periodic (ie: monthly) fee.|
|Professional Employer Organizations||Shares employment responsibilities with a client company who outsources certain tasks to the PEO (ie: payroll, benefits, recruiting, training and insurance services).|
Makes consumer credit sales, leases, loans, or rental-purchase agreements (rent-to-own); or takes assignment of rights against debtors arising from these transactions.
Charges an Annual Percentage Rate (APR) in excess of 18% on consumer credit sales or consumer loans.
Charges a closing fee (administrative fee, doc prep fee) on a motor vehicle sales contract.