Frequently Asked Questions

What does the Bureau of Consumer Credit Protection do?

The primary responsibility of the bureau is to implement the Maine Consumer Credit Code. The Code requires the bureau to promote the development of equitable consumer credit practices; to promote competition among credit grantors; and to assure that the regulation of consumer credit transactions in Maine conforms to the policies of the federal Truth in Lending Act.

The bureau's activities are composed of four functions: licensing and registration, conducting compliance examinations, responding to consumers complaints, and providing consumer education.

Where are your offices located? How do I contact the Bureau?

Our mailing address is:

35 State House Station
Augusta, ME 04333-0035

Consumers and businesses may reach us at our physical location:

Department of Professional and Financial Regulation
76 Northern Avenue
Gardiner, Maine
Driving directions

They may also reach us by phone at (207)624-8527. Note that in-state consumers who have a complaint may reach us on our 800 line at 1-800-332-8529. You can also reach us at our Internet e-mail addresses.

How do I register a complaint against a creditor, debt collector, credit bureau or other business regulated by your agency?

CLICK HERE to file a complaint with the Bureau.

Do I need to be licensed or registered with the Bureau?

The Bureau oversees consumer finance laws that apply to a wide range of industries. For a full list of licenses, registrations and notifications the Bureau issues, CLICK HERE. If you are not sure whether your business needs a license or registration, please contact the Bureau at (207) 624-8527 or CCP.PFR@maine.gov.

How do I get a copy of my credit report?

A copy of a credit report can be obtained by contacting the three nationwide consumer reporting agencies. For information on how to request a copy of your credit report, CLICK HERE