Uniform Consumer Credit Code Registrants/Licensees
- Non-Lender Creditor - Persons who provide goods and /or services on a credit basis. (see bottom of page to download forms)
- Retail merchants such as appliance, jewelry and furniture stores.
- Dealerships such as auto, boat, motorcycle, motor home, mobile home, ATV, and RV's
- Doctors, lawyers, veterinarians, accountants, dentists, hospitals, etc.
- Consumer Lender Creditor - Persons that directly lend money to consumers (generally excluding first lien mortgage loans) in which the rate does not exceed 10% per year. (see bottom of page to download forms)
2. Licensed: Every location where business is regularly conducted, including online transactions, must be licensed. Business is regularly conducted if annually your company extends credit for more than five (5) transactions secured by a dwelling or more than twenty five (25) transactions (not secured by a dwelling).
- Supervised Lender - Supervised lenders are entities that originate loans (generally excluding first lien mortgage loans) with rates that exceed 10% per year (supervised loans), or purchase supervised loans.
- Sales Finance Company - Sales finance companies are entities whose only business is purchasing retail installment sales and/or lease contracts which have been originated by a retail creditor or providing financing on behalf of sellers for consumer credit sales and/or lease transactions.
- Post-Dated Check Casher - Post-dated check cashers are entities that make post-dated check (payday) loans. Information on post-date check casher activity can be found at the following link: Post-Dated Check Casher Information Booklet
- Pawnbroker - Pawnbrokers are entities that conduct pawn activities.
*Nationwide Multistate Licensing System*
**Questions relating to NMLS can be directed to the call center at 1-855-NMLS123**
Please contact the Wyoming Division of Banking directly for the following:
Questions relating to licensing:
Deanna Chafin
Phone: (307) 777-6485
Email: Deanna.chafin1@wyo.gov
Questions relating to regulation:
Liz Hensley
Phone: (307) 777-7397
Email: liz.hensley@wyo.gov
How to Renew a License?
All licensed companies
holding a Supervised Lender, Sales Finance Company, Pawnbroker or Post-Dated
Check Casher License in Wyoming shall submit the renewal of their license through
the Nationwide Multistate Licensing System and Registry (NMLS) between November
1st and December 1st. The NMLS Streamlined Renewal Process allows your company
to conveniently manage the renewal of company, and/or branch licenses through
your organization’s NMLS account.
Wyoming's renewal page on the NMLS with specific requirements for the State of
Wyoming:
Please contact our office with your renewal questions: 307-777-6485 or by e-mail: deanna.chafin1@wyo.gov
Rent-to-Own License and Renewal Instructions
Email: Deanna.chafin1@wyo.gov
All renewal applications will be emailed to all licensees around the beginning of May. If you do not receive a renewal application by May 15th, please contact Deanna Chafin at (307) 777-6485 or via email at deanna.chafin1@wyo.gov.
Complete the renewal application and return to the Division of Banking by June 1st.
