Office of the Commissioner of Financial Regulation


Credit Services Business


Unless otherwise exempt, persons intending to engage in credit services business activities with Maryland consumers (such as credit repair, or obtaining extensions of credit including loan modifications) must first obtain a credit services businesses license pursuant to the Commercial Law Article, Title 14, Subtitle 19, Annotated Code of Maryland.


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Featured Information

Loss Mitigation Consulting, Foreclosure Prevention, Mortgage Loan Modification, and Similar Services Under the Maryland Credit Services Businesses Act (MCSBA) and the Protection of Homeowners in Foreclosure Act (PHIFA)

Applications and Forms

Credit Services Business (Original Office) Application (Word)
Credit Services Business (Branch) Application (Word)
Credit Services Business Renewal Application(Word)
Interim Change
Maryland Credit Services Business Licensees Surety Bond form (Word)
Update Licensing Contact Information (Word)

Laws and Rules

Applicants and licensees are expected to be knowledgeable about and in compliance with the Credit Services Businesses Act, and any other applicable state or federal statutes and regulations.

Note: To access the Maryland Code Annotated, from the link below, select the “Maryland Code” folder, then select the individual folders or links provided to delve into the volumes, chapters, and/or sections of the publication.

Maryland Code Annotated, Commercial Law § 14-1901 et seq. (Maryland Credit Services Businesses Act)

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