Wyoming Uniform Consumer Credit Code
Wyoming Uniform Consumer Credit Code
Registration & Licensing Requirements
Registration & Licensing Requirements
Embedded Files
Registration for Non-Lender Creditors
Registration for Non-Lender Creditors
Non-Lender Creditors are individuals or entities that provide goods or services on a credit basis rather than lending cash directly.
Non-Lender Creditors are individuals or entities that provide goods or services on a credit basis rather than lending cash directly.
Typical Entities
Typical Entities
Retail Merchants: Appliance, jewelry, and furniture stores.
Dealerships: Auto, boat, motorcycle, motor home, mobile home, ATV, and RV dealers.
Service Providers: Doctors, lawyers, veterinarians, accountants, dentists, hospitals, and similar professionals.
How to Register
How to Register
To register as a non-lender creditor in Wyoming, you must complete the official registration form and ensure all business contact information is accurate.
To register as a non-lender creditor in Wyoming, you must complete the official registration form and ensure all business contact information is accurate.
Submission: Email the completed form to: doa-notification-wyobanking@wyo.gov.
Licensing Requirements
Licensing Requirements
Licensing is mandatory for every location where business is regularly conducted, including online transactions.
Licensing is mandatory for every location where business is regularly conducted, including online transactions.
"Regularly Conducted": A business meets this threshold if it annually extends consumer credit for more than five (5) transactions secured by a dwelling, or more than twenty-five (25) transactions not secured by a dwelling.
Consumer Lender - Entities that originate consumer loans (W.S. 40-14-304(a)) or purchase non-servicing rights for non-defaulted loans. Excludes first mortgage liens.
Sales Finance Company - Entities exclusively purchasing retail installment sales, lease contracts, or providing financing on behalf of sellers.
Post-Dated Check Casher -Entities providing post-dated check (payday) loans.
Pawnbroker -Entities authorized to conduct pawn activities.
Application & Renewal Process
Application & Renewal Process
The Wyoming Division of Banking utilizes the Nationwide Multistate Licensing System (NMLS) for all licensing activities.
The Wyoming Division of Banking utilizes the Nationwide Multistate Licensing System (NMLS) for all licensing activities.
New Applications: All new license applications must be filed via the [NMLS Website].
Renewals: Licenses must be renewed annually through the NMLS between November 1st and December 31st.
Contact Information
For NMLS Technical Support:
NMLS Call Center: 1-855-NMLS123
For Wyoming-Specific Licensing Questions:
Contact: Deanna Chafin, Licensing Specialist
Phone: (307) 777-6485
Email: Deanna.chafin1@wyo.gov
updated April 27, 2026
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