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Laws, Rules and Advisory Rulings
The Bureau of Consumer Credit Protection is responsible for administration of many consumer finance-related laws and rules in the State of Maine, including consumer credit, collection, non-bank mortgage lending and credit reporting.
Laws
- Title 9-A: Maine Consumer Credit Code including non-bank lenders, general creditors, loan brokers, and rent-to-own companies.
- Debt Management Services - Title 32, Chapter 80-A
- Money Transmitters - Title 32 Chapter 80, Subchapter I
- Payroll Processors - Title 10, Chapter 222
- Fair Credit Reporting Act (FCRA) - Title 10, Part 3, Chapter 209-B
- Fair Debt Collection Practices Act (FDCPA) - Title 32, Chapter 109-A
- Consumer Loan and Lease Agreements - Title 10, Chapter 202
- Protection of Social Security Numbers - Title 10, Chapter 208-A
- Regulation of Exchange Facilitators - Title 10, Chapter 212-C
- Regulation of Residential Real Estate Settlement Agencies
- Guaranteed Asset Protection Waivers - Title 10, Chapter 229
- Pawnbrokers - Title 30, Chapter 183, Subchapter 6
Bureau Rules
Recent Rules +Recent Rules
- Rule 701: Establishment of Registration and Renewal Fees and Licensing Requirements for Maine's Check Casher/Currency Exchanger Licensing and Requirement for Registration through the Nationwide Multistate Licensing System (NMLS) (DOCX)
- Rule 702: Establishment of Registration and Renewal Fees and Application Requirements for Maine’s Employee Leasing Company Registration and Requirement for Registration Through the Nationwide Multi-State Licensing System (NMLS) (DOC)
- Rule 703: Establishment of Fees and Application Requirements for Maine’s Exchange Facilitator Licensing (DOC)
- Rule 704: Establshment of License and Renewal Fees and Licensing Requirements for Maine's Fair Credit Reporting Act Licensing and Requirement for Licensing through the Nationwide Multistae Licensing System (NMLS) (DOCX)
- Rule 705: Establishment of License and Renewal Fees and Application Requirements for Maine's Debt Collector Licensing and Requirement for Licensing through the Nationwise Multistate Licensing System (NMLS) (DOCX)
- Rule 706: Establishment of Registration and Renewal Fees and Application Requirements for Maine’s Debt Management Service Provider Registration and Requirement for Registration Through the Nationwide Multi-State Licensing System (NMLS) (DOC)
- Rule 707: Establishment of License and Renewal Fees and Application Requirements for Maine’s Loan Broker Licensing and Requirement for Licensing Through the Nationwide Multistate Licensing System (NMLS) (DOC)
- Rule 708: Amendment of License and Renewal Fees for Maine's Mortgage Loan Originator Licensing through the Nationwide Multistate Licensing System (NMLS) (DOCX)
- Rule 709: Establishment of License and Renewal Fees and Application Requirements for Maine's Money Transmitter Licensing and Requirement for Licensing through the Nationwide Multistate Lisensing System (NMLS) (DOCX)
- Rule 710: Establishment of License and Renewal Fees and Application Requirements for Maine’s Payroll Processor Licensing and Requirement for Licensing Through the Nationwide Multistate Licensing System (NMLS)(DOC)
- Rule 711: Establishment of License and Renewal Fees and Application Requirements for Maine’s Supervised Lenders and Requirement for Licensing of all Supervised Lenders Through the Nationwide Multistate Licensing System (NMLS) (DOC)
- Rule 712: Establishment of License and Renewal Fees and Application Requirements for Maine’s Foreclosure Purchaser Licensing (DOC)
- Rule 713: Establishment of Registration and Renewal Fees and Application Requirements for Maine’s Guaranteed Asset Protection Waiver Administrators and Requirement for Registration Through ahe Nationwide Multistate Licensing System (NMLS) (DOC)
- Rule 714: Establishment of Registration and Renewal Fees and Registration Requirements for Maine Legal Funding Providers (DOC)
- Rule 715: Establishment of Registration and Renewal Fees and Registration Requirements for Maine Residential Real Estate Settlement Agency Registration and Requirement for Registration Through the Nationwide Multistate Licensing System (NMLS) (DOC)
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Advisory Rulings
- List of advisory rulings clarifying various aspects of the Consumer Credit Code, Fair Credit Reporting Act and the Fair Debt Collection Practices Act.