The State Board of Collection Agencies (SBCA) regulates collection agency activities in Arkansas. Collection agencies must be licensed if: (1) they are located in Arkansas or (2) they contact consumers in Arkansas. The SBCA works to protect creditors who give their accounts to collection agencies to be collected and consumers who are being contacted by collection agencies. It is our goal to prevent undesirable collection activities, ensure compliance with Arkansas debt collection laws and educate Arkansas consumers of their rights when dealing with a collection agency.
The SBCA investigates complaints of unfair or unconscionable collection practices, prohibited collection charges and un-licensed activity.