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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



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

*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**

Businesses/Regulated Industries required to be licensed or registered

Athlete Agents

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

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

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

Discount Medical Plan Organizations - Offers discount programs for health care services with participating providers (doctors, pharmacies, etc.). Does not include insurance.

Mortgage Brokers

Mortgage Brokers - Brings a borrower and mortgage lender together. Includes loan correspondents, table-funding, and third-party loan processors and underwriters.

Motor Clubs

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

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

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

Prepaid Legal - Offers contracts for legal services or reimbursement for legal services for a predetermined, specific, periodic (ie: monthly) fee.

Professional Employer Organizations

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).

Registered Creditors

Registered Creditors - 

Credit Grantor Notification  

Makes consumer credit sales, leases, loans, or rental-purchase agreements (rent-to-own); or takes assignment of rights against debtors arising from these transactions.

Maximum Rate Schedules

Charges an Annual Percentage Rate (APR) in excess of 18% on consumer credit sales or consumer loans.

Motor Vehicle Dealers Closing Fees

Charges a closing fee (administrative fee, doc prep fee) on a motor vehicle sales contract