2011 Renewal Notice

7 Easy Steps to Renew Registration for Credit Grantor Notification, Rent-to-Own, Credit Sales, Consumer Loans, Motor Vehicle Closing Fee thru SCBOS

The Consumer Protection Code Revision Act of 1982 requires that all creditors who wish to charge an Annual Percentage Rate (APR) in excess of 18% must file a Maximum Rate Schedule (MRS) with the S.C. Department of Consumer Affairs. A Maximum Rate Schedule must also be posted in the creditor's place of business. The filing fee is $40.00.

• Credit Sales
  • S.C. Code Ann. § 37-2-305 (et seq.) 
  • Maximum Rate Schedule Form - Initial (PDF) (Word)
  • Maximum Rate Schedule Form - Renewal (PDF) (Word)
• Consumer Loans
  • S.C. Code Ann. § 37-3-305 (et seq.)
  • Maximum Rate Schedule Form - Initial (PDF) (Word)
  • Maximum Rate Schedule Form - Renewal (PDF) (Word)
• Credit Card Disclosure Requirements
  • S.C. Code Ann. § 37-3-306
  • Credit Card Disclosure Form - Initial (PDF) (Word)
  • Credit Card Disclosure Form - Renewal (PDF) (Word)
• Consumer Grantor Notification
• Online Filing
• Additional Information
  • Consumer Credit Sales - Maximum Rate - Consumer Grantor Notification Flyer - February 2006 (PDF)
  • Maximum Interest Rates & Motor Vehicle Closing Fees by Company (PDF)
  • Maximum Rate Schedule Poster (PDF)
  • Change of Address (PDF)

For more information contact the Department of Consumer Affairs at:
Accounting Division
2221 Devine Street, Suite 200
P.O. Box 5246
Columbia, SC 29250-5246
Phone: (803) 734-4253

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