reglab/statecodes huggingface dataset:
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.197 - Chronological log; polygraph charts; records; release of results of polygraphic examination.

1. Each examiner or intern shall maintain a chronological log of all polygraphic examinations which he or she administers. The log must include the date of each examination, the name of the person examined, and an identifying case or file number.
2. All polygraphic charts must be identified with the name of the person examined, the date of the examination, an identifying case or file number and the signature or initials of the examiner or intern.
3. The records of a polygraphic examination, including the written consent of the person examined, the questions asked, notes and charts obtained during the examination, must be maintained in a manner which protects their confidentiality by the examiner or intern or his or her employer, for a period of not less than 3 years.
4. Except when ordered to do so by a court of competent jurisdiction, or as otherwise provided by law, a person who possesses the results of a polygraphic examination or information obtained during a polygraphic examination shall not release the results or the information obtained without the written consent of the person examined.
(Added to NRS by 1985, 1332)
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.199 - Availability of charts and records of examination to other examiners and interns.

An examiner or intern may make charts and other records of an examination available to another polygraphic examiner or intern or group of polygraphic examiners or interns, including the Board and its representatives, for the purpose of consultation or review under conditions which ensure the confidentiality of the examination and its results.
(Added to NRS by 1985, 1332)
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.200 - Divulgence of information; false reports.

It is unlawful for any licensee or any registered employee or other employee, security guard, officer or member of any licensee:
1. To divulge to anyone, except as he or she may be so required by law to do, any information acquired by him or her except at the direction of the employer or client for whom the information was obtained.
2. To make a false report to his or her employer or client.
[Part 15:85:1947; 1943 NCL § 5175.15]—(NRS A 1989, 1210; 2015, 3356)
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.203 - Unlawful to allow unregistered employee to work; use of fingerprints to determine criminal history.

1. Except as otherwise provided in NRS 253.220, it is unlawful for a person to allow an employee to perform any work regulated pursuant to the provisions of this chapter unless the employee is registered pursuant to this chapter. The provisions of this subsection do not apply to a person licensed pursuant to this chapter.
2. The Board shall require any person applying for registration pursuant to this chapter to submit a complete set of fingerprints or a receipt for electronically submitted fingerprints to the Board or to the sheriff of a county whose population is 100,000 or more who has entered into a contract with the Board to perform such services, who shall forward the fingerprints to the Central Repository for Nevada Records of Criminal History for submission to the Federal Bureau of Investigation to determine the applicant’s criminal history.
(Added to NRS by 1989, 1210; A 1991, 184; 1997, 210; 2003, 2865; 2007, 2492; 2009, 1946)
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.210 - Criminal penalties.

A person who violates any of the provisions of NRS 648.060 to 648.203, inclusive:
1. For the first violation is guilty of a misdemeanor.
2. For the second and subsequent violations, is guilty of a gross misdemeanor.
[Part 5:85:1947; 1943 NCL § 5175.05] + [15:85:1947; 1943 NCL § 5175.15]—(NRS A 1967, 645; 1971, 1090; 1985, 1343; 1989, 1211; 2011, 130)
2023 Nevada Revised Statutes › Chapter 648 - Private Investigators, Private Patrol Officers, Polygraphic Examiners, Process Servers, Repossessors, Dog Handlers and Registered Employees › NRS 648.220 - Injunctive relief; civil penalty.

1. The Board may apply to any court of competent jurisdiction to enjoin any person who has engaged or is about to engage in any act which violates any provision of this chapter or any regulation adopted by the Board.
2. Such an injunction:
(a) May be issued without proof of actual damage sustained by any person.
(b) Does not preclude criminal prosecution and punishment of a violator.
3. In addition to issuing the injunction, the court may impose a civil penalty not to exceed $10,000 if the person has violated a provision of NRS 648.060.
(Added to NRS by 1977, 383; A 1987, 2139)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.005 - Definitions.

As used in this chapter, unless the context otherwise requires, the words and terms defined in NRS 649.010 to 649.044, inclusive, have the meanings ascribed to them in those sections.
(Added to NRS by 1969, 829; A 1983, 1710; 1985, 536; 2021, 1670, 2067; 2023, 3592)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.010 - "Claim" defined.

"Claim" means any obligation for the payment of money or its equivalent that is past due, delinquent or in default and assigned to a collection agency.
[Part 2:237:1931; 1931 NCL § 1420.01]—(NRS A 1969, 835; 1995, 999; 2023, 3592)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.025 - "Collection agent" defined.

"Collection agent" means any person, who, on behalf of a collection agency, makes a collection, solicitation or investigation of a claim at a place or location other than the business premises of the collection agency, but does not include:
1. Employees of a collection agency whose activities and duties are restricted to the business premises of the collection agency.
2. The individuals, corporations and associations enumerated in subsection 2 of NRS 649.020.
(Added to NRS by 1963, 1141; A 1969, 835; 2023, 3593)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.028 - "Compliance manager" defined.

"Compliance manager" means a person who:
1. Holds a compliance manager’s certificate;
2. Is designated as the compliance manager of a collection agency;
3. Shares equally with the holder of a license to conduct a collection agency the responsibility for the collection operation of the collection agency; and
4. Devotes a majority of the hours he or she works as an employee of the agency to the actual oversight and compliance of that collection agency.
(Added to NRS by 1969, 829; A 1989, 2035; 2023, 3593)—(Substituted in revision for NRS 649.035)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.031 - "Debt buyer" defined.

"Debt buyer" means a person who is regularly engaged in the business of purchasing claims that have been charged off for the purpose of collecting such claims, including, without limitation, by personally collecting claims, hiring a third party to collect claims or hiring an attorney to engage in litigation for the purpose of collecting claims.
(Added to NRS by 2023, 3589)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.036 - "Medical debt" defined.

1. "Medical debt" means any debt owed for goods or services provided by a medical facility, a provider of health care or a provider of emergency medical services.
2. Except as otherwise provided in subsection 3, the term includes the financing or an extension of credit by a third party for the sole purpose of purchasing goods or services provided by a medical facility, a provider of health care or a provider of emergency medical services.
3. The term does not include an open-end or closed-end extension of credit made by a financial institution to a borrower that may be used by the borrower, at his or her own discretion, for any purpose other than the purchase of goods or services provided by a medical facility, a provider of health care or a provider of emergency medical services.
(Added to NRS by 2021, 1668)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.045 - Legislative finding and declaration.

The Legislature finds and declares that:
1. There exists in this State a need for more stringent regulatory control over collection agencies to ensure that they are composed only of responsible and well qualified personnel.
2. It is the purpose of this chapter to:
(a) Bring licensed collection agencies and their personnel under more stringent public supervision;
(b) Establish a system of regulation to ensure that persons using the services of a collection agency are properly represented; and
(c) Discourage improper and abusive collection methods.
(Added to NRS by 1969, 830; A 1995, 999)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.051 - Administration and enforcement of chapter.

The Commissioner shall administer and enforce the provisions of this chapter, subject to the administrative supervision of the Director of the Department of Business and Industry.
(Added to NRS by 1969, 830; A 1983, 1710; 1987, 1887; 1993, 1894)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.056 - Regulations prescribing methods of conducting business; investigations and examinations.

The Commissioner may:
1. By regulation prescribe for collection agencies the method and manner of:
(a) Keeping records.
(b) Preparing and filing financial and other reports.
(c) Handling trust funds and accounts.
(d) The transfer or assignment of accounts and other agreements.
(e) Using fair practices for the solicitation of business and collection of accounts.
(f) The operation of such other phases of the business as may be necessary to promote the best interests of the industry and the public.
2. Conduct such investigations or examinations of collection agencies, their personnel, activities, books, records and other matters as may be necessary to ensure compliance with the purposes and provisions of this chapter.
(Added to NRS by 1969, 830; A 1983, 1710; 1987, 1887)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.057 - Investigations and hearings.

In the conduct of any investigation or hearing, the Commissioner may:
1. Compel the attendance of any person by subpoena.
2. Administer oaths.
3. Examine any person under oath concerning the business and conduct of affairs of any person subject to the provisions of this chapter and in connection therewith require the production of any books, records or papers relevant to the inquiry.
(Added to NRS by 1987, 1507)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.059 - Approval of printed forms.

The Commissioner may require collection agencies to submit any printed form of agreements, listing sheets, acknowledgments, communications or other documents used in its business for the Commissioner’s approval or disapproval.
(Added to NRS by 1969, 830; A 1983, 1711; 1987, 1888)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.061 - Notification of results of examination; retention and destruction of examination papers.

1. The Commissioner shall notify all applicants for licensure or certification of the results of any examination taken under this chapter, by certified mail, as soon as the results are available.
2. All examination papers must be kept on file in the Office of the Commissioner for at least 1 year, after which they may be destroyed.
(Added to NRS by 1969, 833; A 1983, 1711; 1985, 314; 1987, 1888)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.065 - Records: Maintenance by Commissioner; contents; confidentiality and disclosure of application and personal or financial records and other documents submitted or obtained pursuant to certain examination, audit or investigation.

1. The Commissioner shall keep in the Office of the Commissioner, in a suitable record provided for the purpose, all applications for certificates, licenses and all bonds required to be filed under this chapter. The record must state the date of issuance or denial of the license or certificate and the date and nature of any action taken against any of them.
2. All licenses and certificates issued must be sufficiently identified in the record.
3. All renewals must be recorded in the same manner as originals, except that, in addition, the number of the preceding license or certificate issued must be recorded.
4. Except as otherwise provided in NRS 239.0115, any application and personal or financial records submitted by a person pursuant to the provisions of this chapter and any personal or financial records or other documents obtained by the Division of Financial Institutions of the Department of Business and Industry pursuant to an examination, audit or investigation conducted by the Division are confidential and may be disclosed only to:
(a) The Division, any authorized employee of the Division and any state or federal agency investigating activity covered by this chapter.
(b) The Department of Taxation for its use in carrying out the provisions of chapter 363C of NRS.
[12:237:1931; 1931 NCL § 1420.11]—(NRS A 1959, 828; 1969, 841; 1983, 1711; 1985, 314, 376; 1987, 1888; 2023, 3593)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.067 - Records: Certain records relating to complaint or investigation deemed confidential; certain records relating to disciplinary action deemed public records.

1. Except as otherwise provided in this section and NRS 239.0115, a complaint filed with the Commissioner, all documents and other information filed with the complaint and all documents and other information compiled as a result of an investigation conducted to determine whether to initiate disciplinary action are confidential.
2. The complaint or other document filed by the Commissioner to initiate disciplinary action and all documents and information considered by the Commissioner when determining whether to impose discipline are public records.
(Added to NRS by 2003, 3475; A 2007, 2149)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.075 - License required to engage in business of collection agency; conduct constituting engaging in such business; location for which license required to be obtained; conditions under which debt buyer is authorized to share license with affiliated person.

1. Except as otherwise provided in this section, a person shall not engage in the business of a collection agency within this State without having first applied for and obtained a license as a collection agency from the Commissioner.
2. A person engages in the business of a collection agency in this State for the purposes of subsection 1 if the person is located:
(a) In this State and is seeking to collect a claim, regardless of whether the debtor resided or currently resides in this State or another state;
(b) In another state and is seeking to collect a claim from a debtor that resides in this State; or
(c) In another state and is seeking to collect a claim on behalf of a person or entity that resides in this State.
3. A person engaging in the business of a collection agency shall obtain a license for the office of the principal place of business of the person. A person is not required to obtain a license for a branch office or remote location.
4. A debt buyer may share a single license as a collection agency with a person affiliated with the debt buyer if the affiliated person does not engage in any collection activities other than purchasing claims.
[1:237:1931; 1931 NCL § 1420]—(NRS A 1969, 836; 1983, 1711; 1987, 1888; 1993, 2415; 2005, 1867; 2007, 2500; 2023, 3594)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.085 - Qualifications of applicant for license.

Every individual applicant, every officer and director of a corporate applicant, and every member of a firm or partnership applicant for a license as a collection agency or collection agent must submit proof satisfactory to the Commissioner that he or she:
1. Has a good reputation for honesty, trustworthiness and integrity and is competent to transact the business of a collection agency in a manner which protects the interests of the general public.
2. Has not had a collection agency license suspended or revoked within the 10 years immediately preceding the date of the application, unless the license was suspended for a minor violation that did not harm a debtor and the license was subsequently restored.
3. Has not been convicted of, or entered a plea of nolo contendere to:
(a) A felony relating to the practice of collection agencies or collection agents; or
(b) Any crime involving fraud, misrepresentation or moral turpitude.
4. Has not made a false statement of material fact on the application.
5. Will maintain a physical office as the principal place of business. If a collection agent of the applicant will be working from a remote location, the principal place of business of the applicant must be located in the United States.
6. Has established a plan to ensure that his or her collection agency will provide the services of a collection agency adequately and efficiently.
(Added to NRS by 1963, 1141; A 1969, 836; 1975, 1297; 1995, 999; 2003, 2731; 2007, 2500; 2019, 4331; 2023, 3594)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.095 - Application for license: Contents; examination of applicant; submission of financial statement; withdrawal of application.

1. An application for a license must be in writing and filed with the Commissioner on a form provided for that purpose.
2. The application must state:
(a) The name of the applicant and the name under which the applicant does business or expects to do business.
(b) The address of the applicant’s business and residence, including street and number.
(c) The character of the business sought to be carried on.
(d) Except as otherwise provided in this paragraph, the locations by street and number where the business will be transacted, including, without limitation, the location of any branch office. The application is not required to include any remote location from which a collection agent will work.
(e) In the case of a firm or partnership, the full names and residential addresses of all members or partners and the name and residential address of the compliance manager.
(f) In the case of a corporation or voluntary association, the name and residential address of each of the directors and officers and the name and residential address of the compliance manager.
(g) Any other information reasonably related to the applicant’s qualifications for the license which the Commissioner determines to be necessary.
(h) If the applicant plans to have one or more collection agents work from a remote location, evidence that the applicant is able to comply with the provisions of NRS 649.310 to 649.313, inclusive.
(i) All information required to complete the application.
3. The application must be subscribed by the applicant and acknowledged.
4. Every applicant may be examined concerning the applicant’s competency, experience, character and qualifications by the Commissioner or the Commissioner’s authorized agent, and if the examination reveals that the applicant lacks any of the required qualifications, issuance of the license must be denied. Every application must have attached to it a financial statement showing the assets, liabilities and net worth of the applicant.
5. The Commissioner shall consider an application to be withdrawn if the Commissioner has not received all information and fees required to complete the application within 6 months after the date the application is first submitted to the Commissioner or within such later period as the Commissioner determines in accordance with any existing policies of joint regulatory partners. If an application is deemed to be withdrawn pursuant to this subsection or if an applicant otherwise withdraws an application, the Commissioner may not issue a license to the applicant unless the applicant submits a new application and pays any required fees.
[3:237:1931; 1931 NCL § 1420.02]—(NRS A 1959, 826; 1963, 1142; 1967, 955; 1969, 836; 1983, 679, 1712; 1987, 1888; 1997, 2178; 2005, 1868, 2794, 2807; 2007, 98; 2023, 3595)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.105 - Bond or substitute security required; amount and conditions; adjustments in amount.

1. An applicant for a license must file with the Commissioner, concurrently with the application, a bond in the sum of $35,000, or an appropriate substitute pursuant to NRS 649.119, which must run to the State of Nevada. The bond must be made and executed by the principal and a surety company authorized to write bonds in the State of Nevada.
2. The bonds must be conditioned:
(a) That the principal, who must be the applicant, must, upon demand in writing, pay any customer from whom any claim for collection is received, the proceeds of the collection, in accordance with the terms of the agreement made between the principal and the customer; and
(b) That the principal must comply with all requirements of this or any other statute with respect to the duties, obligations and liabilities of collection agencies.
3. The Commissioner shall annually determine the appropriate amount of bond or appropriate substitute which must be maintained by the licensee. If applicable, such a determination must be in accordance with the licensee’s average monthly balance in the trust account maintained pursuant to NRS 649.355:
AMOUNT OF
AVERAGE MONTHLY BALANCE BOND REQUIRED
Less than $100,000......................................................................................... $35,000
$100,000 or more but less than $150,000..................................................... 40,000
$150,000 or more but less than $200,000..................................................... 50,000
$200,000 or more.............................................................................................. 60,000
[Part 4:237:1931; A 1935, 227; 1931 NCL § 1420.03]—(NRS A 1959, 826; 1981, 1432; 1983, 679, 1712; 1987, 1889; 1989, 518; 1995, 1000; 2005, 1869; 2023, 3596)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.115 - Form of bond; matters covered by bond; statute of limitations for bringing action on bond.

1. The bond must be in a form approved by the Division of Financial Institutions of the Department of Business and Industry and conditioned that the applicant conduct his or her business in accordance with the requirements of this chapter.
2. The bond must cover all matters placed with the licensee during the term of the license so applied for, or a renewal thereof.
3. No action may be brought upon any bond after the expiration of 2 years from the revocation or expiration of the license.
4. After the expiration of the period of 2 years, all liability of the surety or sureties upon the bond ceases if no action is commenced upon the bond before the expiration of the period.
[Part 4:237:1931; A 1935, 227; 1931 NCL § 1420.03] + [10:237:1931; 1931 NCL § 1420.09]—(NRS A 1967, 955; 1983, 1713; 1993, 1894)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.119 - Deposit as substitute for bond.

1. An applicant for a license may deposit with any bank or trust company authorized to do business in this State, with the permission of the Commissioner, as a substitute for the surety bond required by NRS 649.105:
(a) An obligation of a bank, savings and loan association, savings bank, thrift company or credit union licensed to do business in this State;
(b) Bills, bonds, notes, debentures or other obligations of the United States or any agency or instrumentality thereof, or guaranteed by the United States; or
(c) Any obligation of this State or any city, county, town, school district or other instrumentality of this State or guaranteed by this State, in an aggregate amount, based upon principal amount or market value, whichever is lower.
The deposit must be in a form approved by the Commissioner.
2. The obligations of a bank, savings and loan association, savings bank, thrift company or credit union must be held to secure the same obligation as would the surety bond. With the approval of the Commissioner, the depositor may substitute other suitable obligations for those deposited which must be assigned to the State of Nevada and are negotiable only upon approval by the Commissioner.
3. Any interest or dividends earned on the deposit accrue to the account of the depositor.
4. The deposit must be an amount at least equal to the required surety bond and must state that the amount may not be withdrawn except by direct and sole order of the Commissioner.
5. An applicant is not relieved of the obligation to file the required surety bond until the Commissioner has had a reasonable amount of time to verify whether a deposit made pursuant to this section qualifies as a substitute for the required surety bond.
(Added to NRS by 1981, 1431; A 1983, 1713; 1987, 1889; 2005, 1870)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.125 - Investigation by Commissioner.

Upon receiving an application for a license and bond in proper form along with payment of the required fee, the Commissioner shall investigate all the facts stated in the application and the requirements of NRS 649.135.
(Added to NRS by 1969, 830; A 1983, 1320, 1714; 1987, 1890)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.135 - Approval of application: Conditions; findings; notice; issuance of unique license number; update of public record regarding licensees.

1. The Commissioner shall approve an application for a license and keep on file his or her findings of fact pertaining thereto if the Commissioner finds that the applicant has met all the other requirements of this chapter pertaining to the applicant’s qualifications and application.
2. Upon the approval of the application, the payment of any required fees and the submission of any required information, the Commissioner shall:
(a) Notify the applicant of the approval and issue a unique license number to the applicant; and
(b) Update any applicable public record maintained by the Commissioner to show that the person holds an active license that authorizes the person to conduct collection activities in this State.
(Added to NRS by 1969, 831; A 1983, 1714; 1987, 1890; 1995, 1000; 2023, 3596)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.155 - Order denying application; notice of denial.

1. If the Commissioner finds that any application or applicant for a collection agency license does not meet the requirements of NRS 649.135, the Commissioner shall enter an order denying the application.
2. Within 10 days after the entry of such an order, the Commissioner shall mail or deliver to the applicant written notice of the denial in which all the reasons for such denial are stated.
(Added to NRS by 1969, 831; A 1983, 1714; 1987, 1891; 2023, 3597)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.165 - Rights of licensee.

Upon notification of the approval of the application by the Commissioner pursuant to NRS 649.135, the licensee shall have the right to conduct the business of a collection agency with all the powers and privileges contained in, but subject to, the provisions of this chapter.
[Part 5:237:1931; 1931 NCL § 1420.04]—(NRS A 2023, 3597)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.167 - License as collection agency valid for principal place of business and branch offices in application; notice to Commissioner of location of additional branch office required.

1. A license as a collection agency granted pursuant to NRS 649.135 is valid for the principal place of business and any branch office of the licensee.
2. Immediately upon beginning to operate a branch office in a location not provided to the Commissioner on the application submitted pursuant to NRS 649.095, a collection agency shall notify the Commissioner in writing of the location of the branch office.
(Added to NRS by 1987, 1508; A 1991, 2211; 2023, 3597)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.185 - Application.

Each person who is, or desires to become, the compliance manager of a collection agency shall submit an application for a compliance manager’s certificate to the Commissioner in accordance with the provisions of this chapter. The application must include all information required to complete the application.
(Added to NRS by 1969, 831; A 1983, 1714; 1987, 1891; 1997, 2179; 2005, 2794, 2807)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.205 - Examinations: Frequency; location; requirements; reexamination; waiver; regulations.

1. The Commissioner shall provide for compliance managers’ examinations at such times and places as the Commissioner may direct, at least twice each year.
2. The examinations must be of a length, scope and character which the Commissioner deems reasonably necessary to determine the fitness of the applicants to act as compliance managers of collection agencies.
3. If an applicant does not pass the examination, the applicant must reapply to take the examination and pay a reexamination fee of not more than $100 for each subsequent examination. The Commissioner shall adopt regulations establishing the amount of the reexamination fee required pursuant to this subsection.
4. If the applicant and collection agency that employs or seeks to employ the applicant are both certified by a national association that is a nonprofit with expertise in the business of collections which the Commissioner determines proves the competence of the applicant, the Commissioner must waive the examination for the applicant.
5. The Commissioner may make such rules and regulations as may be necessary to carry out the purposes of this section.
(Added to NRS by 1969, 831; A 1983, 1715; 1987, 1891; 2005, 1871; 2023, 3599)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.215 - Grounds for refusing examination or suspending or revoking certificate.

The Commissioner may refuse to permit an applicant for a compliance manager’s certificate to take the examination, or, after a hearing, may suspend or revoke a compliance manager’s certificate if the applicant or compliance manager has:
1. Committed or participated in any act which, if committed or done by a licensee, would be grounds for the suspension or revocation of a license.
2. Been refused a license or certificate pursuant to this chapter or had such a license or certificate suspended or revoked.
3. Participated in any act, which act was a basis for the refusal or revocation of a collection agency license.
4. Falsified any of the information submitted to the Commissioner in support of an application pursuant to this chapter.
5. Impersonated, or permitted or aided and abetted another to impersonate, a law enforcement officer or employee of the United States, a state or any political subdivision thereof.
6. Made any statement in connection with his or her employment with a collection agency with the intent to give an impression that he or she was a law enforcement officer of the United States, a state or political subdivision thereof.
(Added to NRS by 1969, 832; A 1983, 1715; 1985, 314; 1987, 1892; 1995, 1001; 2023, 3599)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.225 - Issuance of certificate; unique identification number required for certificate; notice to Commissioner of compliance manager’s change of residence address required.

1. The Commissioner shall issue a compliance manager’s certificate to any applicant who meets the requirements of this chapter for the certificate. Each certificate must have a unique identification number.
2. Each compliance manager holding a compliance manager’s certificate issued pursuant to this chapter shall notify the Commissioner in writing of any change in his or her residence address within 10 days after the change.
(Added to NRS by 1969, 832; A 1983, 1716; 1987, 1892; 2023, 3599)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.245 - Expiration; renewal; cancellation; reinstatement.

1. A license or certificate expires on December 31 of each year, unless it is renewed. To renew a license or certificate, a collection agency or compliance manager must submit to the Commissioner on or after November 1 and on or before December 31 of each year:
(a) A renewal application, which includes, without limitation, the matters required in the original application, the date and number of the license or certificate which will expire and all other information required to complete the renewal application; and
(b) The renewal fee.
2. The Commissioner shall issue a renewal license or certificate to the applicant, which must be dated January 1 next ensuing the date of the application, in form and text like the original except that, in addition, the renewal must include the date and number of the earliest license or certificate issued.
3. All requirements of this chapter with respect to original certificates, licenses and bonds apply with like force to all renewal certificates, licenses and bonds except as otherwise specified in this section.
4. The Commissioner shall refuse to renew a certificate or license if at the time of application a proceeding to revoke or suspend the certificate or license is pending.
5. If a collection agency or compliance manager fails to submit any item required pursuant to subsection 1 to the Commissioner on or after November 1 and on or before December 31 of any year, the license or certificate is cancelled as of December 31 of that year. The Commissioner may reinstate a cancelled license or certificate if the collection agency or compliance manager submits to the Commissioner on or before February 28 of the following year:
(a) A renewal application which includes the information specified in paragraph (a) of subsection 1; and
(b) The renewal fee.
[9:237:1931; 1931 NCL § 1420.08]—(NRS A 1959, 827; 1963, 1143; 1969, 838; 1983, 1716; 1985, 376; 1987, 1892; 1997, 2179; 2005, 2796, 2807; 2021, 2070)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.271 - Commissioner authorized to take action to participate; charges for use; regulations; provisions do not replace or affect authority of Commissioner regarding licensing and certification.

1. The Commissioner may, in furtherance of his or her duties with respect to the issuance and renewal of licenses and certificates pursuant to this chapter, participate in the Nationwide Multistate Licensing System and Registry. The Commissioner may take any action with respect to participation in the Registry that the Commissioner deems necessary to carry out his or her duties, including, without limitation:
(a) Facilitating and participating in the establishment and implementation of the Registry;
(b) Establishing relationships or contracts with the Registry or other entities designated by the Registry;
(c) Authorizing the Registry to collect and maintain records of applicants for and holders of licenses and certificates;
(d) Authorizing the Registry to, on behalf of the Commissioner, collect and process any fees associated with the issuance or renewal of licenses or certificates, examinations, fines, assessments and any other similar fees;
(e) Requiring an applicant for or the holder of a license or certificate to use the Registry to:
(1) Apply for the issuance or renewal of a license or certificate;
(2) Amend or surrender a license or certificate;
(3) Submit any reports or the results of any examination that the Commissioner may require;
(4) Pay any applicable fees; and
(5) Engage in any other activity that the Commissioner may require; and
(f) Authorizing the Registry to, on behalf of the Commissioner, collect fingerprints in order to receive or conduct a background check on the criminal history of an applicant for or the holder of a license or certificate.
2. An applicant for or the holder of a license or certificate shall, in addition to any other fees associated with the license or certificate, pay all applicable charges to use the Registry, including, without limitation, any processing charges established by the administrator of the Registry.
3. The Commissioner may adopt any regulations the Commissioner determines to be necessary or appropriate to carry out the provisions of this section. Such regulations may, without limitation, establish additional procedures and requirements for participation in the Registry.
4. The provisions of this section shall not be construed to replace or affect the authority of the Commissioner to grant, deny, suspend, terminate, revoke or refuse to renew a license or certificate.
(Added to NRS by 2021, 2064)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.273 - Submission and processing of fingerprints.

1. The Commissioner may require an applicant for or the holder of a license or certificate to submit a complete set of his or her fingerprints when the Commissioner determines necessary.
2. The Commissioner may use the services of the Registry to process and to submit the fingerprints to the Federal Bureau of Investigation, to the Central Repository for Nevada Records of Criminal History, to any federal or state law enforcement agency or to any other entity authorized to receive such information for the purpose of conducting a background check of the criminal history of an applicant for or the holder of a license or certificate.
(Added to NRS by 2021, 2065)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.277 - Commissioner required to report certain information or material; confidentiality of information or material provided; Commissioner authorized to enter into certain agreements and arrangements.

1. Subject to any limitations or restrictions contained in federal or state law governing the privacy or confidentiality of records, the Commissioner shall report regularly any violations of applicable laws committed by applicants for or holders of a license or certificate, enforcement actions and other relevant information to the Registry.
2. The requirements under any federal or state law, including, without limitation, rules of a federal or state court, regarding the privacy and confidentiality of any information or material provided to the Registry and any privilege arising under federal or state law with respect to such information or material, continue to apply to such information or material after it has been disclosed to the Registry. Such information and material may be shared with federal and state regulatory officials with oversight authority over applicants for or holders of a license or certificate without the loss of privilege or the loss of confidentiality protections provided by federal or state law.
3. The Commissioner may enter into agreements or sharing arrangements with other governmental agencies, the Conference of State Bank Supervisors, the State Regulatory Registry, LLC, or other associations representing governmental agencies.
(Added to NRS by 2021, 2065)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.279 - Additional materials required to be submitted.

1. In addition to any other requirements set forth in this chapter, each applicant for the issuance of a license or certificate pursuant to this chapter and each owner, officer, director and responsible person of the applicant, each person in control of the applicant and any other person the Commissioner may require in accordance with guidelines of the Registry or other multistate agreements shall submit to the Registry:
(a) A complete set of fingerprints for submission to the Federal Bureau of Investigation and any other governmental agency or entity authorized to receive such information for a state, national and international background check on the criminal history of the person;
(b) Information concerning the personal history, financial history and experience of the person in a form prescribed by the Registry, including, without limitation, an authorization of the person for the Registry and the Commissioner to obtain:
(1) An independent credit report and credit score from a consumer reporting agency described in section 603(f) of the Fair Credit Reporting Act, 15 U.S.C. § 1681a(f), for the purpose of evaluating the financial responsibility of the person at the time of the submission of the application; and
(2) Additional independent credit reports and credit scores to confirm that the person continues to comply with any applicable requirements concerning financial responsibility;
(c) Information related to any administrative, civil or criminal findings made by any governmental jurisdiction concerning the person; and
(d) Any other information concerning the person that the Registry or Commissioner may require.
2. As used in this section:
(a) "Control" has the meaning ascribed to it in NRS 682A.047.
(b) "Responsible person" means a person who is employed by an applicant and who has principal, active managerial authority over the provision of services in this State.
(Added to NRS by 2021, 2066)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.281 - Holder of license or certificate required to register and maintain unique identifier; Commissioner authorized to issue license or certificate through Registry; references to Commissioner deemed references to Registry.

1. Each holder of a license or certificate issued pursuant to this chapter shall register with and maintain a valid unique identifier with the Registry.
2. The Commissioner may issue a license or certificate through the Registry.
3. To the extent that the Commissioner has delegated to the Registry any of his or her duties with respect to the issuance and renewal of licenses and certificates as authorized by the provisions of this chapter, any reference to the Commissioner in this chapter shall be deemed to be a reference to the Registry.
4. As used in this section, "unique identifier" means a number or other identifier assigned by the protocols established by the Registry.
(Added to NRS by 2021, 2066)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.295 - Amounts; deposit; regulations.

1. A nonrefundable fee of not more than $500 for the application must accompany each new application for a license as a collection agency. Each applicant shall also pay any additional expenses incurred in the process of investigation. All money received by the Commissioner pursuant to this subsection must be placed in the Investigative Account created by NRS 232.545.
2. A fee of not less than $200 or more than $600, prorated on the basis of the licensing year as provided by the Commissioner, must be charged for each original license issued. A fee of not more than $500 must be charged for each annual renewal of a license.
3. A fee of not more than $20 must be charged for each license for a transfer of location issued.
4. A nonrefundable application fee of not more than $500 and a nonrefundable investigation fee of not more than $150 must accompany each application for a compliance manager’s certificate.
5. A fee of not more than $40 must be charged for each compliance manager’s certificate issued and for each annual renewal of such a certificate.
6. A fee of not more than $60 must be charged for the reinstatement of a compliance manager’s certificate.
7. A fee of not more than $10 must be charged for each day an application for the renewal of a license or certificate, or a required report, is filed late, unless the fee or portion thereof is excused by the Commissioner for good cause shown.
8. For each examination the Commissioner shall charge and collect from the licensee a fee for conducting the examination and preparing and typing the report of the examination at the rate established and, if applicable, adjusted pursuant to NRS 658.101. Failure to pay the fee within 30 days after receipt of the bill is a ground for revoking the collection agency’s license.
9. Except as otherwise provided in NRS 658.101, the Commissioner shall adopt regulations establishing the amount of the fees required pursuant to this section.
10. Except as otherwise provided in subsection 1, all money received by the Commissioner pursuant to this chapter must be deposited in the State Treasury pursuant to the provisions of NRS 658.091.
[6:237:1931; 1931 NCL § 1420.05]—(NRS A 1959, 827; 1967, 956; 1969, 837; 1979, 954; 1981, 756; 1983, 1320, 1717; 1987, 1508, 1893, 2225; 1991, 1804; 2003, 3231; 2005, 1871; 2017, 395; 2023, 3599)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.297 - Fee for failure to submit reports; regulations.

1. If a holder of a license or compliance manager’s certificate fails to submit any report required pursuant to this chapter or any regulation adopted pursuant thereto within the prescribed period, the Commissioner may impose and collect a fee of not more than $10 for each day the report is overdue.
2. The Commissioner shall adopt regulations establishing the amount of the fee that may be imposed pursuant to this section.
(Added to NRS by 2005, 1866)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.305 - Collection agency prohibited from operating without compliance manager; limitations on employment of compliance managers.

1. No collection agency may operate its business without a compliance manager who holds a valid compliance manager’s certificate issued under the provisions of this chapter.
2. Except as otherwise provided in this subsection, a compliance manager must not be employed as a compliance manager by more than one collection agency or employed by a collection agency and an exempt entity at the same time. A compliance manager may be simultaneously employed as a compliance manager by a collection agency and an affiliate of that collection agency.
(Added to NRS by 1969, 830; A 1983, 1717; 2023, 3600)
2023 Nevada Revised Statutes › Chapter 649 - Collection Agencies › NRS 649.310 - Remote location: Prerequisites for collection agent to begin remote work.

Before a collection agent begins working from a remote location, the collection agent must:
1. Sign a written agreement prepared by the collection agency that requires a collection agent working from a remote location to:
(a) Maintain data concerning debtors in a confidential manner and refrain from printing or otherwise reproducing such data into a physical record while working from the remote location;
(b) Read and comply with the security policy established pursuant to NRS 649.312 and any policy to ensure the safety of the equipment of the collection agency that the collection agent is authorized to use;
(c) Review a description of the work that the collection agent is authorized to perform from the remote location and only perform work included in that description;
(d) Refrain from disclosing to a debtor that the collection agent is working from a remote location or that the remote location is a place of business of the collection agency;
(e) Authorize the employer to monitor the collection agent while he or she is working from the remote location, including, without limitation, recording any calls to and from the remote location relating to collection activities; and
(f) Refrain from conducting any activities related to his or her work with the collection agency with a debtor or customer in person at the remote location;
2. Complete a program of training regarding compliance with applicable laws and regulations, privacy, confidentiality, monitoring, security and any other issue relevant to the work the collection agent will perform from the remote location; and
3. Work for the collection agency under direct oversight and mentoring from a supervisor for at least 7 days.
(Added to NRS by 2023, 3589)