Debt Collector Notification
Debt Collector Notification
Iowa does not license debt collectors. However, debt collectors who meet Iowa’s notification requirements must file notification with the Iowa Attorney General and pay the required annual fee.
2026 ICCC registered debt collectors and credit assignees
Access the current 2026 registration list for debt collectors and creditor / assignees operating under the Iowa Consumer Credit Code.
2026 ICCC Registration List
View the current 2026 PDF registration list. If updates do not appear immediately, refresh your browser or reopen the document.
Late fees are now in effect for 2026 ICCC registrations
Debt collectors who fail to file notification and pay the appropriate fee may be subject to a $75 late fee, as well as possible civil action to recover interest, costs, and penalties.
No Iowa License
Iowa does not license debt collectors, but notification may be required.
Annual Fee
Required debt collectors must pay a $50 annual notification fee.
Annual Deadline
Notification is due by January 31 of every subsequent year.
Debt Collection Law
The office enforces the Iowa Debt Collection Practices Act.
Who needs to file notification?
Debt collectors who meet both of the following criteria must file notification with the Office of the Attorney General and pay the annual fee.
1. Collect consumer debts from Iowans
The definition of consumer debt under Iowa law is broad and includes a variety of debts other than consumer credit transactions.
- Dishonored checks
- Medical bills
- Accounts based on “90 days same-as-cash”
- Typical accounts receivable billings for consumer purposes
- Debts incurred for personal, family, or household purposes where credit was extended
2. Collect over $73,400 in total debts
Debt collectors must file if they collect over $73,400 in total debts in the previous or current calendar year, based on the aggregate amount collected from all sources, not just Iowa accounts.
Example: A debt collector collected $74,000 in debts last year, but only $5,000 was from Iowa debtors. This debt collector would still be required to file notification.
Creditors collecting their own debts
Most creditors collecting their own debts are not required to file notification as debt collectors, but they must comply with the substantive requirements of the Iowa Debt Collection Practices Act.
Attorneys acting as debt collectors
Attorneys who act as debt collectors are required to file notification. Law firms whose attorneys act as debt collectors and collect over $73,400 a year must file notification.
Companies that solely collect commercial debt are exempt from filing notification with the Office of the Attorney General.
Choose a filing method
Debt collectors required to file notification must do so within 30 days of commencing collection activities in Iowa, and then by January 31 of every subsequent year.
File Online
Complete the notification form online and pay the annual $50 notification fee through the website.
Payment notice: Online payment requires bank account information for ACH auto-debit. A $1.00 convenience fee applies. Credit card payment is not currently available.
Printable Form
Print the form, complete it by hand, and mail it with a $50 check made payable to Iowa Consumer Credit Administration Fund.
Office of the Attorney General of Iowa
Consumer Protection Division
Attn: Notification & Fees Administrator
1305 E. Walnut St.
Des Moines, IA 50319
Fillable Form
Download the fillable PDF, complete it electronically, then print and mail it with payment.
This option may be helpful for filers who prefer to type their information before printing and mailing the form.
Additional documents are not required. Questions may be sent to registration@ag.iowa.gov.
Still have questions?
Debt Collector & Creditor / Assignee FAQ
Find answers about notification fees, filing deadlines, contact updates, registered agents, paper filings, approved notifications, surrendering notification, skip tracers, and creditor / assignee volume fees.
What happens after notification is filed?
Collectors who file notification with the Office of the Attorney General will not receive a confirmation, notice, or hard copy license.
Approved notifications will be processed and can be viewed online approximately 20 business days after receipt. Some users may need to refresh their browser for the most updated version of the document.
View Registered EntitiesA notification will be rejected if the company’s principal office is located outside Iowa and an Iowa Registered Agent is not listed on the registration form. The registered agent must be located in Iowa and must not be the Iowa Secretary of State.
Iowa Code 537.6202(1)(f)Collectors should notify the Attorney General in writing of changes to company contact information. Updates should include the company name, previous incorrect information, and updated current information.
There is no fee associated with these changes.
Email Registration StaffReminders will be sent via the email on file in December. Failure to receive reminders will not exempt a late filing from the $75 late fee.
Legal references
Administrative Rule and ICCC
61 Iowa Administrative Code Chapter 22
Iowa Code Chapter 537
Debt Collection References
Iowa Debt Collection Practices Act
Definitions: Debt, Debt Collector, and Debt Collection
TILA Threshold Adjustments
Registration contact information
Questions about Debt Collector notification?
Email registration@ag.iowa.gov.
