Debt collector laws in Wyoming
The Wyoming Collection Agency Act (licensing law): what it adds to federal law, who must be licensed, where to complain and the medical debt rules in Wyoming.
Short answer
Wyoming has its own debt collection law: the Wyoming Collection Agency Act (licensing law). It does not cover original creditors collecting their own debts. Debt collectors need a state license in Wyoming; the licensing agency is Wyoming Collection Agency Board (Department of Audit, Division of Banking); licenses are handled through NMLS since Aug. 1, 2018. Complaints go to Wyoming Collection Agency Board, and to the CFPB.
- State law
- Yes
- Covers original creditors
- No
- License required
- Yes
- Extra protections listed
- 2
Wyoming's collection law
- State law
- Wyoming Collection Agency Act (licensing law)
- Law
- Wyo. Stat. §§ 33-11-101 to 33-11-116
- Covers original creditors
- No
- Official text
- Read the law
Protections Wyoming adds to federal law
- No one may run a collection agency or work as a debt collector in Wyoming without a state license, except employees of a licensed agency (Wyo. Stat. § 33-11-102).
- You can file a verified written complaint against a licensed agency with the Collection Agency Board, which can fine the agency up to $1,000 or suspend or revoke its license (Wyo. Stat. § 33-11-112).
Your right to sue in Wyoming
The Act does not spell out a right for you to sue; it is enforced by the Board and prosecutors (Wyo. Stat. §§ 33-11-115, -116). You can sue third-party collectors under the federal FDCPA.
Under federal law you can also sue a collector that breaks the FDCPA within 1 year, for your actual damages, up to $1,000 more and your attorney's fees (15 U.S.C. 1692k).
Good to know in Wyoming
- The Board can only act on complaints against licensed agencies; for an unlicensed collector you can notify the Board, but not file a complaint (Collection Agency Board).
Do collectors need a license in Wyoming?
- License required
- Yes
- Who licenses
- Wyoming Collection Agency Board (Department of Audit, Division of Banking); licenses are handled through NMLS since Aug. 1, 2018
- Check a license
- Official license lookup
Like Wyoming, 28 of the 48 states we cover license collectors.
In nearby states
Reporting a collector in Wyoming
- Wyoming: Wyoming Collection Agency Board · (307) 777-3497
- Federal: the Consumer Financial Protection Bureau takes complaints about debt collectors at consumerfinance.gov/complaint · (855) 411-2372.
- You can also report a collector to the Federal Trade Commission at ReportFraud.ftc.gov.
Steps against an abusive collector in Wyoming
Save the evidence
Keep letters, voicemails, emails and texts, and a log of every call.
Identify the collector
Wyoming requires a license, so check the collector's: Official license lookup.
Write to the collector
Send a letter to dispute a debt or to stop collector calls. Keep a copy and proof of mailing.
File a complaint
Complain to Wyoming Collection Agency Board. You can also complain to the CFPB at consumerfinance.gov/complaint.
Know your right to sue in Wyoming
Under Wyoming law: The Act does not spell out a right for you to sue; it is enforced by the Board and prosecutors (Wyo. Stat. §§ 33-11-115, -116).
Questions about collector laws in Wyoming
Does Wyoming license debt collectors?
Yes. Wyoming Collection Agency Board (Department of Audit, Division of Banking); licenses are handled through NMLS since Aug. 1, 2018
Has Wyoming passed a debt collection act of its own?
Yes: the Wyoming Collection Agency Act (licensing law) (Wyo. Stat. §§ 33-11-101 to 33-11-116). It does not cover original creditors collecting their own debts.
Who takes complaints about collectors in Wyoming?
Wyoming Collection Agency Board: https://wyomingcollectionagencyboard.wyo.gov/home/complaint-process · (307) 777-3497
Does Wyoming law let me sue a collector?
The Act does not spell out a right for you to sue; it is enforced by the Board and prosecutors (Wyo. Stat. §§ 33-11-115, -116). You can sue third-party collectors under the federal FDCPA.
How do I check a debt collector's license in Wyoming?
Use Wyoming's official license lookup: https://wyomingcollectionagencyboard.wyo.gov/home/licensee-list.
What extra rules do collectors face in Wyoming?
No one may run a collection agency or work as a debt collector in Wyoming without a state license, except employees of a licensed agency (Wyo. Stat. § 33-11-102). You can file a verified written complaint against a licensed agency with the Collection Agency Board, which can fine the agency up to $1,000 or suspend or revoke its license (Wyo. Stat. § 33-11-112).
Keep reading about Wyoming
- The full Wyoming guide
- Statute of limitations in Wyoming: 10 years
- Sued by a debt collector in Wyoming: 20 days
- “Is my debt too old?” checker for Wyoming
- Dispute a debt and ask for proof (validation letter)
- Tell a collector to stop or limit contact
- Debt collector licensing by state
- Guide: how to dispute a debt
- Guide: how to stop collector calls
Debt collector laws in nearby states
- Wyo. Stat. §§ 33-11-101 to 33-11-116
- Official license lookup
- Wyoming Statutes Title 1 (PDF)
- Collection Agency Board – Complaint Process
- Collection Agency Board – License Application (NMLS)
- Wyoming Rules of Civil Procedure (eff. 9-21-26)
- Wyoming Rules of Civil Procedure for Circuit Courts
- Wyoming Courts – Small Claims
Last checked: Oct 24, 2026.