Iowa Registration of Credit Services Organization is a registration program required by the Iowa Division of Banking for any person or company offering credit services within the state. Credit services include debt negotiation, credit counseling, and credit repair services. To be registered, an organization must meet certain criteria, including: obtaining a surety bond, providing financial statements, and filing an annual report. There are two types of Iowa Registration of Credit Services Organization: Credit Services Businesses (CSS) and Credit Access Businesses (CAB). CSS are companies that offer services such as debt negotiation, credit counseling, and credit repair services. Cabs are companies that offer loan services, such as payday loans, installment loans, and title loans. Both types of organizations must be registered with the Iowa Division of Banking in order to operate legally in the state.
Iowa Registration of Credit Services Organization
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