50-State Financial Services Licensing Compliance Guide
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Iowa 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 Iowa.

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Company Licenses

Iowa Financial Services Company Licenses

Iowa Closing Agent License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $500 license/registration fee + $36.25 background check

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Debt Collection Notification

Agency:Iowa Attorney General - Consumer Protection Division
Notes:

Iowa does not issue licenses to debt collections agencies, however, agencies must file a notification with the attorney general every year if they collect over $55,800 in total debts.

Initial Registration

Form:

Debt Collection Notification Form

Filing Method:

Mail or online.

Agency Fee:

$50

Due:

Initial notification is due within 30 days of commencing collection activities in Iowa.

Registration Renewal

Form:

Debt Collection Notification Form (Renewal)

Filing Method:

Mail or online.

Agency Fee:

$50

Due:

Annually by January 31.

Iowa Debt Management Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 application fee + $250 license/registration fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Licenses expire on December 31 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Debt Management License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 application fee + $250 license fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Licenses expire on December 31 of each year. Licensees are recommeded to renew by November 15.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Delayed Deposit Services Business Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$250

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Delayed Deposit Services Business Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$15 credit report fee + $36.26 background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Exempt Mortgage Company Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 per headquarter + $20 per branch

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Industrial Loan Company Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$350

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Master Loan Company Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$36.25 background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Money Services License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$1000 application fee + $500 license/regulation fee + $10 per agent + $36.25 background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$500

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Mortgage Banker License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $500 application fee + $36.25 background check

Registration Renewal

Filing Method:

Online

Agency Fee:

$400

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Mortgage Banker Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$150

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Registration Renewal

Filing Method:

Online

Agency Fee:

$100

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Mortgage Branch Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$20 + $40 license/registration fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$40

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Mortgage Broker License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100 + $500 application fee + $36.25 background check

Registration Renewal

Filing Method:

Online

Agency Fee:

$200

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Non-Profit Mortgage Banker Registration

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:Yes
Registered Agent (Special Agency) Required?Yes

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$100

Registration Renewal

Filing Method:

Online

Agency Fee:

$0

Due:

  • Licenses expire on December 1 of each year. Licensees are recommeded to renew by November 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Nonresident Industrial Loan Company Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$350

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Nonresident Regulated Loan Company Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$350

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Iowa Regulated Loan Company Branch License

Agency:Iowa Division of Banking
Foreign Qualification is Prerequisite:No
Registered Agent (Special Agency) Required?No

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$350

Registration Renewal

Filing Method:

Online

Agency Fee:

$250

Due:

  • Annually by December 1.
  • Licenses issued in November or December remain valid through the next renewal period.

Individual Licenses

Iowa Individual Financial Services Licenses

Iowa Mortgage Loan Originator License

Agency:Iowa Division of Banking

Initial Registration

Instructions:

Requirements Checklist

Filing Method:

Online

Agency Fee:

$30 + $50 license/registration fee + $15 credit report fee + $36.25 background check fee

Registration Renewal

Filing Method:

Online

Agency Fee:

$50

Due:

  • Annually by December 1.
  • 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 April 19, 2024. Complete data last reviewed January 08, 2019.
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