Consumer Lending

Consumer Lending in Utah

The Utah Consumer Credit Code (UCCC), Title 70C of the Utah Code Annotated, governs consumer lending and certain related activities. In general, the following activities conducted with Utah citizens are subject to the UCCC.

• Lending for personal, family or household purposes
• Selling or providing goods or services on a credit basis
• Making consumer leases or taking assignments of consumer debt
• Originating or servicing open-ended mortgages or second mortgages
• Lending for manufactured housing or mobile homes that are not permanently affixed
• Collecting debt arising from consumer credit transactions

Those who conduct consumer credit activities are responsible for determining if they are subject to the UCCC and complying accordingly. If you have questions about whether you are subject to the UCCC, please read the following resources.

• Utah Code – Title 70C – Utah Consumer Credit Code
• Consumer Credit Notification Frequently Asked Questions (FAQs)

Consumer Credit Notification

Entities subject to the UCCC’s notification requirement must file a Consumer Credit Notification (CCN) through the Nationwide Multistate Licensing System (NMLS). To submit, change, renew, or surrender a CCN, follow instructions on the appropriate NMLS Checklist.

Supervised Consumer Lenders

To verify that an entity has submitted a CCN, please visit nmlsconsumeraccess.org.

Exemption Threshold (aka Regulation Z Threshold)

Pursuant to Utah Code §70C-1-202(2)(d)(ii)(A), the exemption threshold amount is $73,400, effective January 1, 2026.

Contact Us

If you have questions that are not answered in the FAQs, please email us at msb.dfi@utah.gov or call 801-538-8830 and select Option 0.