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.

Maximum Interest Rates

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:

• Banks, Credit Unions, and Savings & Loans (XLS)
• Supervised Lenders (XLS)
• Motor Vehicle Dealer Interest Rates (XLS)
• Other Businesses (XLS)

Motor Vehicle Dealer Closing Fees

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:

• Motor Vehicle Dealer Closing Fees (XLS)

License/Registration Lookup

View businesses with active licenses by clicking on a specific industry type below:

Athlete Agents

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

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

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 Organization

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

Earned Wage Access

Earned Wage Access (XLS) - Provides consumer-directed wage access services or employer-integrated wage access services, or both.

Mortgage Brokers

Mortgage Brokers (XLS) - Brings a borrower and mortgage lender together. Includes loan correspondents and third party loan processors and underwriters.

Motor Clubs

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

Pawnbrokers (XLS) - Lends money for goods or personal property that may be redeemed or repurchased at a later date.

Professional Employer Organizations

Professional Employer Organizations (XLS) - Shares employment responsibilities with a client company that outsources certain tasks to the PEO (ie: payroll, benefits, recruiting, training and insurance services).

Physical Fitness Service Providers

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

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

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

Other State Agencies

Check out some of the other state agencies we often refer consumers to below.