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The Official Web Site of the State of South Carolina

The Department of Consumer Affairs is working remotely for the safety of our employees and customers. You can still file a complaint and submit applications for licensing online.

You can also email general questions to or leave a voicemail by calling (803) 734-0359. We will return calls and emails as soon as possible. Thank you for your patience!

For COVID-19 resources for businesses and consumers, visit the COVID-19 Resources page.

Maximum Rate Schedules

The Consumer Protection Code Revision Act of 1982 requires all creditors who wish to charge an Annual Percentage Rate (APR) in excess of 18% to file a Maximum Rate Schedule (MRS) with the Department. APR may be in excess of 18% requiring a Maximum Rate Schedule to be filed because of but not limited to:(1) financing that is offered at your place of business, (2) all paper work related to the sale is completed in your office at the time the sale takes place and the contract is assigned to another business, and (3) the sale is offered on credit but the credit price differs from the cash price because of a finance charge. A Maximum Rate Schedule must also be posted in the creditor's place of business. The filing fee is $40 per location.

*Please note the Department's new physical address is 293 Greystone Blvd., Ste. 400 | Columbia, SC | 29210*
**Mailings may still be sent to PO Box 5757 | Columbia, SC | 29250-5757**


For credit sales

For consumer loans

For credit card disclosure

Renewal and Expiration

Annual renewal begins November 1 and ends January 31 although filings may be made anytime during the year.

Filings expire January 31 of each year.

To avoid a late penalty, all renewal filings must be received by January 31.

Filing Forms

Credit Sales

Consumer Loans

**Motor Vehicle dealers, please use credit sales form above**

Credit Card Disclosure

Business Address/Name Change Form


Additional Information