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 physical address is 293 Greystone Blvd., Ste. 400 | Columbia, SC | 29210*
**Mailings may be sent to PO Box 5757 | Columbia, SC | 29250-5757**

Consumer Credit Counseling Laws

• Consumer Credit Counseling Act

• Regulation 28-700 (PDF)

Disciplinary Actions

• Lexington Law Firm vs. SCDCA

Licensing Application Information

• Credit Counseling Renewal Reminder (PDF) 

• Forms (Initial Licensing & Renewals)

• South Carolina Criminal Background Checks (PDF)

• Instructions on How to Print Credit Counseling Organization Certificates (PDF)

• Credit Counseling FAQs

Business Address/Name Change Form

• Business Address/Name Change Form (PDF)

Continuing Professional Education Information

FALL WEBINAR INFO:

• Credit Counseling Debt Collection Update Webinar - 11/30/2022

• CPE Proctor Registration Form (PDF)

• Attendance Form (PDF)

• Webinar Registration Form (PDF)

• Continuing Professional Education (PDF)

• Panel Members

• Panel Application (PDF)

• Approved Providers (PDF)

• Student Roster (PDF)

Annual Report Information

• Annual Report Instructions (PDF)

• Annual Report Form (PDF)

Credit Counseling Reports

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