50-State Financial Services Licensing Compliance Guide
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Florida Finance Licensing

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Licenses are typically required for individuals and businesses that provide finance industry services in the United States. This guide contains information about professional finance licensing in Florida.

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Company Licenses

Florida Financial Services Company Licenses

Florida Commercial Collection Agency Registration

Agency:Florida Office of Financial Regulation
Foreign Qualification is Prerequisite:Yes
Bond Requirements:

$50,000 surety bond.

Registered Agent (Special Agency) Required?Yes

Initial Registration

Form:

Form OFR COM-101: Registration of Commercial Collection Agency

Agency Fee:

$500

Registration Renewal

Filing Method:

Online

Agency Fee:

$500

Due:

Annually by December 31.

Florida Consumer Collection Agency Registration

Agency:Florida Office of Financial Regulation
Registered Agent (Special Agency) Required?Yes

Initial Registration

Form:

Form OFR 559-101: Registration of Consumer Collection Agency

Agency Fee:

$200

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

Annually by December 31.

Amendment

Form:

Form OFR 559-101: Registration of Consumer Collection Agency (Amendment)

Agency Fee:

$0

Florida Mortgage Broker Branch License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20 + $225 application fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$225

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Mortgage Broker License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $425 application fee + $15 credit report fee + $38.75 FBI and state background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$375

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Mortgage Lender Branch License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20 + $225 application fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$225

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Mortgage Lender License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $500 application fee + $15 credit report fee + $38.75 FBI and state background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$475

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Mortgage Lender Servicer Branch License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20 + $225 application fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$225

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Mortgage Lender Servicer License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $500 application fee + $15 credit report fee + $38.75 FBI and state background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$475

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Florida Motor Vehicle Retail Installment Seller License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance
Eligible Entity Types:
  • Corporations
  • Limited Liability Companies
  • Partnerships
  • Associations
  • Individuals
  • Other
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?Yes

Initial Registration

Filing Method:

Online

Agency Fee:

$175

Required Attachments:
  • Disclosure Reporting Page for each unrelated event, if applicable
  • Biographical Summary for each individual listed in the Owners and Officers Section

Registration Renewal

Filing Method:

Online

Agency Fee:

$175

Due:

By December 31 of even-numbered years.

Florida Sales Finance Company License

Agency:Florida Office of Financial Regulation
Law:

Chapter 520, Part IV, Florida Statutes - Installment Sales Finance

Chapter 520, Part VI, Florida Statutes - Department Regulation of Sales and Finance

Rule 69V-70, Florida Administrative Code - Sales Finance

Rule 69V-85, Florida Administrative Code - Retail Installment Sales Act - General Rules

Foreign Qualification is Prerequisite:No
Notes:

In addition to the main location license, any subsequent location other than the main office must be filed as a SFB: Sales Finance Company Branch by way of Online Services.

Registered Agent (Special Agency) Required?No

Initial Registration

Form:

Application for License Under Chapter 520, Florida Statutes

Filing Method:

Mail or online.

Agency Fee:

$175

Individual Licenses

Florida Individual Financial Services Licenses

Florida Mortgage Loan Originator License

Agency:Florida Office of Financial Regulation - Division of Consumer Finance

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$30 + $195 application fee + $15 credit report fee + $36.25 federal background check fee + $24 state background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$156

Due:

  • Annually by December 31.
  • Licenses issued in November or December remain valid through the next renewal period.

Explore licensing in other states:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania
Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
Revised January 29, 2025. Complete data last reviewed January 08, 2019.
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