# LicensingMadeSimple

> Who needs which U.S. business license, and where to file it.

LicensingMadeSimple is a directory for collection and accounts receivable management, consumer and commercial lending, money transmitters, and mortgage in the 50 states and the District of Columbia. Each state license page names the license, the agency, and the filing path.

Fee, bond, and timeline cells cite a state regulator, a statute, or the NMLS License Requirements and Fees Chart checked on October 13, 2026. If a figure could not be verified, the cell says Varies, see regulator and links the agency. Montana, Washington, and Maryland money transmitter pages carry the most detail.

## Priority pages

- [Money transmitter license requirements by state](https://licensingmadesimple.com/directory/money-transmitters): National page for which states require a money transmitter license, who needs one, and where to file. All 50 states and DC. Montana has no statewide money transmitter license. Fee and bond lines cite the NMLS chart checked on October 13, 2026, or a statute. By LicensingMadeSimple. Last updated October 15, 2026.
- [Collection agency license requirements by state](https://licensingmadesimple.com/directory/collection): Which states require a collection agency license and which do not issue a standalone statewide license.
- [Mortgage company and broker license requirements by state](https://licensingmadesimple.com/directory/mortgage): Company, broker, servicer, and MLO. NMLS is the filing system. The state issues the license.
- [Montana money transmitters](https://licensingmadesimple.com/states/montana/money-transmitters): The NMLS chart has no Montana money transmitter row, Montana Code Annotated Title 32 has no money transmitter chapter, and the Division states that it does not regulate money transmitters. No state fee, bond, or application timeline.
- [Washington money transmitters](https://licensingmadesimple.com/states/washington/money-transmitters): Department of Financial Institutions fee page, a $120 NMLS processing fee on the NMLS chart, and the RCW 19.230.050 bond. The timeline cell says Varies, see regulator.
- [Maryland money transmitters](https://licensingmadesimple.com/states/maryland/money-transmitters): Financial Institutions Article sections 12-407 and 12-412, a $120 NMLS processing fee on the NMLS chart, and the COMAR 09.03.14.05 60-day decision window.

## Directory

- [License types](https://licensingmadesimple.com/directory): Collection, lending, money transmitters, and mortgage.
- [States](https://licensingmadesimple.com/states): The 50 states and the District of Columbia.
- [NMLS guide](https://licensingmadesimple.com/guides/nmls): What the filing system is.

## Related tools

- [LicenseStore costs](https://licensestore.com/costs/): Cited government and NMLS fee lines.
- [LicenseStore money transmitter costs](https://licensestore.com/costs/money-transmitters/): Money transmitter fee lines.
- [LicenseStore compare](https://licensestore.com/compare/): DIY and provider filing paths. Service charges are quotes.
- [LicenseStore sources](https://licensestore.com/sources/): Source list for the cost desk.
- [Cornerstone Licensing](https://cornerstonelicensing.com): Prepares and files the application.

## Optional

- [Sitemap](https://licensingmadesimple.com/sitemap.xml)