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The Official Web Site of the State of South Carolina

The Department of Consumer Affairs is working remotely for the safety of our employees and customers. You can still file a complaint and submit applications for licensing online.

You can also email general questions to scdca@scconsumer.gov or leave a voicemail by calling (803) 734-0359. We will return calls and emails as soon as possible. Thank you for your patience!

For COVID-19 resources for businesses and consumers, visit the COVID-19 Resources page.

Credit Counseling

The Consumer Credit Counseling Act requires that organizations providing or offering the following services, and certain employees of the organizations, must be licensed:

  • Receiving money from a consumer to distribute it among the consumer’s creditors; (Debt Management Plans)

  • Improving or offering to improve a consumer's credit record, history, or rating; (i.e. Credit Repair, etc.)

  • Negotiating to defer or reduce a consumer’s obligations with respect to credit extended by others. (Debt Negotiation/ Settlement, Foreclosure Assistance, etc.)

The licensing renewal cycle runs from September 1st through December 1st. 

Licenses issued before August 31st are valid on receipt through December 31st this year. Licenses issued after August 31st are valid through December of the following year.

*Please note the Department's new physical address is 293 Greystone Blvd., Ste. 400 | Columbia, SC | 29210*
**Mailings may still be sent to PO Box 5757 | Columbia, SC | 29250-5757**

Consumer Credit Counseling Laws

Disciplinary Actions

Licensing Application Information

Continuing Professional Education Information

FALL WEBINAR INFO:

Annual Report Information

**NOTE: The Department has extended the deadline to June 1, 2020.  See the full Notice (PDF) for details.**

Credit Counseling Reports

  • View consolidated information from the annual reports filed by credit counseling agencies with the Department.