Nevada Revised Statutes
Chapter 676A - Uniform Debt-Management Services Act
NRS 676A.270 - Applicability.


1. This chapter does not apply to an agreement with an individual who the provider has no reason to know resides in this State at the time of the agreement.
2. This chapter does not apply to a provider to the extent that the provider:
(a) Provides or agrees to provide debt-management, educational or counseling services to an individual who the provider has no reason to know resides in this State at the time the provider agrees to provide the services; or
(b) Receives no compensation for debt-management services from or on behalf of the individuals to whom it provides the services or from their creditors.
3. This chapter does not apply to the following persons or their employees when the person or the employee is engaged in the regular course of the person’s business or profession:
(a) A judicial officer, a person acting under an order of a court or an administrative agency or an assignee for the benefit of creditors;
(b) A bank;
(c) An affiliate, as defined in paragraph (a) of subsection 2 of NRS 676A.030, of a bank if the affiliate is regulated by a federal or state banking regulatory authority; or
(d) A title insurer, escrow company or other person that provides bill-paying services if the provision of debt-management services is incidental to the bill-paying services.
4. Except as otherwise required by the Director of the Department of Business and Industry pursuant to NRS 657A.430 or 657A.620, this chapter does not apply to a participant in the Regulatory Experimentation Program for Product Innovation established and administered pursuant to chapter 657A of NRS.
(Added to NRS by 2009, 1973; A 2019, 3999)

Structure Nevada Revised Statutes

Nevada Revised Statutes

Chapter 676A - Uniform Debt-Management Services Act

NRS 676A.010 - Short title.

NRS 676A.020 - Definitions.

NRS 676A.030 - "Affiliate" defined.

NRS 676A.040 - "Agreement" defined.

NRS 676A.050 - "Bank" defined.

NRS 676A.060 - "Business address" defined.

NRS 676A.070 - "Certified counselor" defined.

NRS 676A.080 - "Certified debt specialist" defined.

NRS 676A.090 - "Commissioner" defined.

NRS 676A.100 - "Concessions" defined.

NRS 676A.110 - "Credit counseling" defined.

NRS 676A.120 - "Day" defined.

NRS 676A.130 - "Debt-management plan" defined.

NRS 676A.140 - "Debt-management services" defined.

NRS 676A.150 - "Debt settlement services" defined.

NRS 676A.160 - "Entity" defined.

NRS 676A.170 - "Good faith" defined.

NRS 676A.175 - "Nationwide Multistate Licensing System and Registry" or "Registry" defined. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the N...

NRS 676A.180 - "Person" defined.

NRS 676A.190 - "Plan" defined.

NRS 676A.200 - "Principal amount of the debt" defined.

NRS 676A.210 - "Provider" defined.

NRS 676A.220 - "Record" defined.

NRS 676A.230 - "Settlement fee" defined.

NRS 676A.240 - "Sign" defined.

NRS 676A.250 - "State" defined.

NRS 676A.260 - "Trust account" defined.

NRS 676A.270 - Applicability.

NRS 676A.280 - Uniformity of application and construction.

NRS 676A.290 - Relation to Electronic Signatures in Global and National Commerce Act.

NRS 676A.300 - Registration required.

NRS 676A.310 - Application for registration: Form; contents; fee; bond; evidence of insurance.

NRS 676A.320 - Application for registration: Additional contents. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Li...

NRS 676A.330 - Duty to report changes in information.

NRS 676A.340 - Commissioner to make certain information available; certain information confidential. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Burea...

NRS 676A.350 - Issuance of certificate of registration; temporary certificate of registration; grounds for denial of registration. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of...

NRS 676A.360 - Commissioner to approve or deny registration within certain period; extension to obtain additional information; appeal of denial; period of validity of registration. [Effective until the date on which the Commissioner of Financial Inst...

NRS 676A.370 - Renewal of registration: Application; form; contents; fees; disclosure; denial. [Effective until the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that...

NRS 676A.380 - Alternative application for registration for applicants licensed or certified in another state; conditions.

NRS 676A.390 - Surety bond required.

NRS 676A.400 - Substitute for surety bond.

NRS 676A.410 - Commissioner authorized to take action to participate in Registry; charges for use; regulations; provisions do not replace or affect authority of Commissioner regarding registration. [Effective on the date on which the Commissioner of...

NRS 676A.420 - Submission and processing of fingerprints. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multistate Licensing Sys...

NRS 676A.430 - Commissioner required to report certain information or material to Registry; confidentiality of information or material provided; Commissioner authorized to enter into certain agreements and arrangements. [Effective on the date on whic...

NRS 676A.440 - Additional materials required to be submitted to Registry. [Effective on the date on which the Commissioner of Financial Institutions notifies the Governor and the Director of the Legislative Counsel Bureau that the Nationwide Multista...

NRS 676A.450 - Holder of certificate to register and maintain unique identifier; Commissioner authorized to issue certificate through Registry; references to Commissioner deemed references to Registry. [Effective on the date on which the Commissioner...

NRS 676A.500 - Provider to act in good faith; fiduciary duty.

NRS 676A.510 - Provider to maintain toll-free communication system.

NRS 676A.520 - Duties of provider before providing debt-management services.

NRS 676A.530 - Required disclosures and materials: Use of Internet; form; written copy provided on request; disclosures on website; termination of electronic communication; termination of agreement.

NRS 676A.540 - Agreement: Contents; required provisions; prohibited provisions; provisions void if contrary to certain requirements.

NRS 676A.550 - Cancellation of agreement.

NRS 676A.560 - Disclosures and documents to be in English; provider also must furnish translation if language other than English is used in communications.

NRS 676A.570 - Money paid to provider to be held in trust; requirements concerning trust accounts and money held in trust; accounting; prompt refund on termination of agreement.

NRS 676A.580 - Fees or charges: Restrictions.

NRS 676A.590 - Voluntary contributions: Restrictions.

NRS 676A.600 - Required disclosures by provider.

NRS 676A.610 - Agreement voidable by individual in certain circumstances.

NRS 676A.620 - Provider may terminate agreement for nonpayment.

NRS 676A.630 - Provider to provide accounting periodically and upon request; retention of records.

NRS 676A.700 - Prohibited acts.

NRS 676A.710 - Provider to notify Commissioner of civil actions.

NRS 676A.720 - Provider liable for conduct of person to whom it delegates duties.

NRS 676A.730 - Powers of Commissioner: Enforcement; investigation; regulations; fees; cooperative agreements.

NRS 676A.740 - Commissioner to enforce chapter; penalties.

NRS 676A.750 - Suspension, revocation or denial of renewal of registration by Commissioner.

NRS 676A.760 - Civil remedies.

NRS 676A.770 - Violation constitutes deceptive trade practice.

NRS 676A.780 - Statute of limitations for certain actions.