Ditch the Pitch
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 firstname.lastname@example.org.
One of the ways DCA assists in creating a level playing field for consumers and businesses in the marketplace is through processing regulatory filings. We issue licenses and accept filings from creditors intending to charge over 18% APR and motor vehicle dealers wanting to charge a closing fee. Listings of all of these are available below to inform both consumers and creditors alike.
View businesses with active licenses by clicking on a specific industry type below:
|Athlete Agents (XLS)||Contracts with a student athlete or recruits or solicits a student athlete to enter into an agency contract.|
|Continuing Care Retirement Communities (XLS)||Provides lodging along with nursing, medical, or other health-related services to people 65 years of age or older. Includes independent living, assisted living, and skilled nursing care.|
|Credit Counselors (XLS)||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 (XLS)||Offers discount programs for health care services with participating providers (doctors, pharmacies, etc.). Does not include insurance.|
|Mortgage Brokers (XLS)||Brings a borrower and mortgage lender together. Includes loan correspondents and third party loan processors and underwriters.|
|Motor Clubs (XLS)||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 (XLS)||Lends money for goods or personal property that may be redeemed or repurchased at a later date.|
|Physical Fitness Service Providers (XLS)||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 (XLS)||Sells contracts for purpose of: (1) performing funeral services for, or (2) providing merchandise or services in connection with the final disposition of, a person who is alive at the time of the contract.|
|Prepaid Legal (XLS)||Offers contracts for legal services or reimbursement for legal services for a predetermined, specific, periodic (ie: monthly) fee.|
Businesses wanting to charge consumers above 18% APR must first file their interest rates with the Department. Click on an industry below to view the maximum rates filed by a business:
Dealers charging a closing fee (sometimes referred to by other terms such as doc fee, doc prep fee, administrative fee, processing fee), must tell the Department the maximum amount it intends to charge. Dealers are not required by law to charge the fee. Click the list below to compare fees: