The State of New Jersey
NJ Department of Banking and Insurance

Please Note:

The online annual reporting system will be available February 2024. All licensees will be receiving notifications on how to access the system by email. All annual reports will be due May 1, 2024.

If you have any questions, please contact Consumer Finance Annual Reports.

Pursuant to N.J.A.C. 3:23-4.1, all licensees are required to file an annual report to the Department of Banking and Insurance. Licensees are required to file an annual report after each calendar year in which they were licensed. Because you were licensed in 2023, you are required to file an annual report in 2024 even if you did not conduct any business in 2023, and even if you ceased doing the business activities for which you were licensed in New Jersey in 2023.  

The Department recommends downloading and printing the 2023 Annual Report Worksheet (at right) before completing the online report.

If you have any questions about filing your annual report, please e-mail Consumer Finance Annual Reports at

Thank you in advance for your cooperation in this important matter.

2023 Annual Report Worksheet
Debt Adjuster (PDF)
File Your Annual Report
Annual Reports

Is a debt adjuster required to file an annual report?
A debt adjuster is required to file an annual report with
the Division of Banking. The report must be filed for the period of January 1, 2023 through December 31, 2023.

What type of information will a debt adjuster be required to include in the annual report?
The following information must be collected from 01/01/2023 through 12/31/2023 and maintained to complete the annual report:

  • Financial statements
  • Total dollar volume of credit counseling fees collected
  • Total dollar volume of debt adjustment fees collected
  • Daily trust account balances

Is there a filing deadline for the annual report?
All annual reports must be filed no later than May 1, 2024 for the January 1, 2023 to December 31, 2023 reporting period. Annual reports are expected to be filed electronically over the Internet through the State's secure web site.

Additional License Specific Information

When will license renewals occur?
non-mortgage and non-student loan licenses will expire as of June 30, 2025. It is expected that licensees will be notified about the renewal process no later than early May 2025. Licenses must be renewed prior to June 30, 2025.

Will there be a license renewal fee for the biennial renewal in 2025?
All non-mortgage and non-student loan licensees will pay NO FEE to renew licenses. License renewals will be required to be processed electronically using the Banking Online Services feature. Paper renewals will NOT be available. For information about signing up for Banking Online Services CLICK HERE.

Do applications for new licenses require a fee?
Yes. All new applications – those for new businesses and new branch offices – require the payment of a non-refundable application fee.

How much is the non-refundable application fee?
The non-refundable application fee is $300 for each new license.

What must a debt adjuster do to:
1) Change a licensed business address?

  • Complete the Change of Address form
  • Enclose an original executed rider to the surety bond reflecting the amended business address
  • Return the above items to the Licensing Services Bureau, NJDOBI

Note: There is NO FEE to change a business address

2) Change a licensed business name?

  • Complete the Change of Legal Name form
  • Enclose a copy of the amended Certificate of Incorporation, if a corporation; a copy of amended certificate of formation, if a limited liability company; a copy of amended or new trade name certificate if a partnership or sole proprietorship; an amended Certificate of Authority to do Business in New Jersey if a foreign corporation
  • Enclose an original executed rider to the surety bond reflecting the amended name and/or the addition of a new alternate or doing business as name
  • Return the above items to the Licensing Services Bureau, NJDOBI

Note: There is NO FEE to change a business name or to add a new doing business as or trade name

3) Obtain a duplicate license?

  • Request and complete a lost license affidavit
  • Return this affidavit to the Licensing Services Bureau, NJDOBI

Note: There is NO FEE to obtain a duplicate license or registration certificate.

Contact Information
For licensing questions:
NJDOBI License Services, Banking
PO Box 473
Trenton, NJ 08625
For annual report, request login credentials questions:
NJ Department of Banking and Insurance
PO Box 040
Trenton, NJ 08625

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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State of New Jersey
New Jersey Department of Banking and Insurance