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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 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.

Registered Creditors

The Registered Creditors Program includes filings for Consumer Credit Grantor Notification (including rent-to-own), Maximum Rate Schedules (including credit card disclosures), and Motor Vehicle Dealer Closing Fees.  Please see the Filing Instructions and Flowchart below, along with each program's individual page, for additional information on filing requirements.

*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**

Renewals and Expiration

Annual renewal begins November 1 and ends January 31, but initial filings and updates may be made anytime during the year.

Filings expire January 31 of each year.

To avoid a late penalty, all renewal filing forms and fees must be submitted online or postmarked by January 31.

General Information

The Registered Creditors Filing & Renewal Webinar is now available for viewing on the Department's YouTube page! The webinar provides an overview of the filing process and explains terminology specific to registered creditors.  

Registered Creditors Webinar FAQs (PDF)

NOTICE: 2020 Renewals for Registered Creditors (PDF)

Registered Creditors Filing Instructions (PDF)

Registered Creditors Filing Flowchart (PDF)

Terminology and Filing Assistance (PDF)

Online Licensing System

Registered Creditor filings may be made using DCA's new Online Licensing System.


Additional Information