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Debt Collections

The Minnesota Department of Commerce licenses collection agencies and debt collectors. Our efforts provide regulatory oversight of the industry to help protect consumers and promote a competitive marketplace.

Exemption from Licensure

Exemption from Licensure

A collection agency shall be exempt from the licensing and registration requirements of this chapter if all of the following conditions are met:

  1. the agency is located in another state that regulates and licenses collection agencies, but does not require a Minnesota collection agency to obtain a license to collect debts in their state if the agency's collection activities are limited in the same manner;
  2. the agency's collection activities are limited to collecting debts not incurred in this state from consumers located in this state; and
  3. the agency's collection activities in Minnesota are conducted by means of 
  4. interstate communications, including telephone, mail, electronic mail, or facsimile transmission.
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