Laws, Rules and Advisory Rulings

The Bureau of Consumer Credit Protection is responsible for administration of many consumer finance-related laws and rules in the State of Maine, including consumer credit, collection, non-bank mortgage lending and credit reporting.

Laws

• Title 9-A: Maine Consumer Credit Code including non-bank lenders, general creditors, loan brokers, and rent-to-own companies.
• Check Cashers and Cash-Dispensing Machines - Title 32 Chapter 80
• Money Transmitters - Title 32, Chapter 79-A
• Debt Management Services - Title 32, Chapter 80-A
• Payroll Processors - Title 10, Chapter 222
• Fair Credit Reporting Act (FCRA) - Title 10, Part 3, Chapter 209-B
• Fair Debt Collection Practices Act (FDCPA) - Title 32, Chapter 109-A
• Consumer Loan and Lease Agreements - Title 10, Chapter 202
• Protection of Social Security Numbers - Title 10, Chapter 208-A
• Regulation of Exchange Facilitators - Title 10, Chapter 212-C
• Regulation of Residential Real Estate Settlement Agencies
• Guaranteed Asset Protection Waivers - Title 10, Chapter 229
• Pawnbrokers - Title 30, Chapter 183, Subchapter 6
• Statewide Foreclosure Outreach - Title 14, Chapter 713

New Laws Effective August 9, 2024

• Public Law 579: An Act to Amend the Content of Notices Provided with Respect to Tax Liens on Certain Property (PDF)
• Public Law 662: An Act to Replace the Money Transmitters Act (PDF)
• Public Law 663: An Act to Prohibit Unfair Practices Related to the Collection of Medical Debt (PDF)

Bureau Rules

CLICK HERE to view proposed rules.

Recent Rules +

»All Bureau of Consumer Credit Protection Rules

Advisory Rulings

• List of advisory rulings clarifying various aspects of the Consumer Credit Code, Fair Credit Reporting Act and the Fair Debt Collection Practices Act.