COVID-19: Licensing Guidance from State Agencies


ACA International is dedicated to providing members with resources on managing business operations during the coronavirus (COVID-19) national emergency and going forward.

The Nationwide Multistate Licensing System & Registry (NMLS) has created a webpage for communication and guidance updates from state licensing agencies as they are released. A link to state agency contacts is also available.

The Conference of State Bank Supervisors also has similar helpful COVID-19 updates on its website.

North American Collection Agency Regulatory Association (NACARA) is providing the following information and guidance for financial services companies and consumers.

The U.S. Department of Homeland Security, Cybersecurity & Infrastructure Security Agency (CISA) has also issued guidance on essential critical infrastructure many states are following in their orders.

Following are additional updates from state regulatory agencies obtained by ACA’s Vice President of Government and State Affairs Andy Madden:

Alabama Stay-at-Home Order and Guidance for Businesses
Alabama Gov. Kay Ivey and State Health Officer Scott Harris have issued an order for Alabama residents to stay at home. The order will remain in effect until 5 p.m. on April 30.

Essential services are defined as federally-designated critical infrastructure, workers and related industries identified by the U.S. Department of Homeland Security, Cybersecurity & Infrastructure Security Agency (CISA) in its “Memorandum on Identification of Essential Critical Infrastructure Workers During COVID-19 Response.”

This includes: financial services, including banks and related financial institutions, credit unions, payday lenders, businesses that process credit card and other financial transactions, and other services related to financial markets; and professional Services, including legal services, accounting services, insurance services, real estate services (including appraisal and title services.

Arizona Department of Financial Institutions: Licensing Division (Home Page )
Arizona Gov. Douglas A. Ducey on Monday issued a “Stay home, Stay healthy, Stay connected” policy effective at 5 p.m. Tuesday, March 31, 2020. Under the policy, all individuals in the state of Arizona are asked to limit their time away from their residence except:

To conduct or participate in essential activities,
For employment, to volunteer or participate in essential functions,
To utilize any services or products provided by essential businesses,
Employment, if as a sole proprietor or family owned business, work is conducted in a separate office space from your home and the business is not open to serve the public.
No person shall be required to provide documentation or proof of their activities to justify their activities under this order.