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Debt Services

Debt management service is defined as the service of receiving funds periodically from a consumer and then distributing those funds to creditors of the consumer in partial or full payment of the consumer’s personal debts.
Debt settlement service is defined as as an intermediary between an individual and one or more unsecured creditors of the individual for the purpose of obtaining concessions where the contemplated concessions involve a reduction in principal of the individual's unsecured debt owed for personal, family or household expenses to at least one creditor.



The Department continues to work collaboratively with federal regulators, other states financial regulators, and other Commonwealth agencies to address cybersecurity challenges.

Changes to FBI fingerprint criminal background checks

Licensees who are required to provide their fingerprints to complete a federal criminal background check should be aware that this service will be provided by a new supplier. Idemia (formerly MorphoTrust USA, LLC), will take over the fingerprinting services contract formerly held by Gemalto (formerly Cogent).
Licensees who are not registered and fingerprinted before November 18, must wait until November 28 to receive those services through the new provider. The only exceptions that will be made during that time frame will be for individuals who have an issue with a fingerprint taken prior to November 18, and will be reprinted by November 27. Those individuals who do not get their reprint by November 27 will need to re-register with the new provider and will have 90 days to get their reprint at no cost.
For FAQs or additional information on fingerprinting services, locations or scheduling an appointment, applicants are encouraged to visit the Idemia supplier website at or

Federal Government Principles on Responding to Cyber Incidents
A Presidential Policy Directive (PPD-41) released on July 26, 2016, sets forth principles governing the federal government’s response to any cyber incident, whether involving government or private sector entities. For significant cyber incidents, PPD-41 also establishes lead federal agencies and an architecture for coordinating the broader federal government response. Learn more:

Cybersecurity Update
The department has formed a Cybersecurity Task Force designed to provide resources to the financial services companies under its supervision to address cybersecurity issues in order to help ensure the integrity of Pennsylvania’s financial marketplace. The task force is an extension of our government’s approach to protecting the security of its digital resources by reducing vulnerability to cyberattacks, minimizing damage and recovery if a cyberattack occurs, and promoting awareness and education to businesses and consumers of the threats of cyberattacks. Learn more.

The department uses NMLS to manage Debt Management and Debt Settlement licenses.  Through NMLS, your company will be able to apply for, amend and renew your license/registration authority conveniently and safely online. In order to use NMLS, current licensees must enter their company information onto NMLS by creating a base record and obtaining a unique company identifier.
Licensees should direct those who inquire about its license status to the NMLS Consumer Access.
March 20, 2015: information about continuing education requirements for licensees under the Debt Management Servcies Act has been published in a Secretary's Letter here [PDF].

Contact Us:

For issues or questions regarding an application, contact the Licensing Office or call 717.787.3717.
For compliance issues, contact the Compliance Office or call 717.772.3889.
Consumers wishing to file a complaint or ask a question can use our online complaint forms or contact our Consumer Services office at 1.800.PA.BANKS (800.722.2657)