The Official Web Site of the State of South Carolina

You can file a complaint and submit applications for licensing online. Filings you do not wish to make, or that are not available, online can be submitted via mail for processing.

Department staff is available to assist with any questions at (800) 922-1594 (toll free in SC) or 803-734-4200 8:30 a.m. until 5 p.m. Monday through Friday, exclusing State holidays. You can also email general questions to scdca@scconsumer.gov. 

Business Education & Tools

General Business Guides 

• Consumer Credit: A Guide for Business (PDF) -  A quick guide on what creditors need to file with SCDCA. 

• Identity Theft / Security Breach Notifications - Guidance for businesses and government in complying with state and federal identity theft protection laws.

• Is a Notice of a Right to Cure Required by Title 37? (PDF) - Flowchart for determining if a notice of a right to cure is required.

• Timing of a Notice of a Right to Cure (PDF) - Guidance regarding the timing and content requirements for a notice of a right to cure.

Auto Industry

• Closing Fee Proposed Regulation (1/18/2023) (PDF) *NEW*

• Memo Re: Misleading and Deceptive Motor Vehicle Dealer Practices (PDF) Guidance regarding adjusted market value fees, processing fees, and the erroneous use of MSRPs for used vehicles. 

• Automobile Advertising Reporting Form (PDF) - Complete and submit this form to report advertising violations.

• Lemon Law- Laws related to express warranties and filing forms for use by manufacturers.

• SCDCA Guide for Auto Dealers (PDF) - This guide gives an overview of various consumer protection laws and is meant to assist auto dealers in complying with those laws.

• Is a Notice of a Right to Cure Required by Title 37? (PDF) - Flowchart for determining if a notice of a right to cure is required.

• Timing of a Notice of a Right to Cure (PDF) - Guidance regarding the timing and content requirements for a notice of a right to cure.

Predatory Lending/High-Cost Home Loans

• Counseling Borrowers (PDF) - A reference guide for credit counselors to aid in counseling borrowers on high-cost home loans. 

• Counseling Check List (PDF) - High cost home loan checklist. 

• Fast Facts for Mortgage Brokers (PDF) - A quick look for mortgage brokers at key measures in the predatory lending law. 

 

Renewable Energy

• Marketing Pamphlet - This pamphlet explains the rights and responsibilities of consumers who are marketed renewable energy facilities, including solar.  

• Standard Disclosure - The standard disclosure is used in the sale or lease of renewable energy facilities, including solar.

Other

• Athlete Agent Law FAQs - Information on who is considered an athlete agent and related filing and renewal requirements.

• How a Business Can Respond to a Consumer Complaint (YouTube) - Learn how to use the SCDCA system to respond to a complaint.    

• Consumer Credit Counseling for Licensees (PDF) - Fast facts on the requirements for credit counselors.  

• Homeowners Association (HOA) Information - Education and information on the Homeowners Association Act including FAQs, an overview of the laws and who to contact.