Idaho Code
Idaho Code

Idaho Code § 26-2223 (2026)

Collection agency, debt counselor, credit counselor, or credit repair organization — License required. 

✓ current as of May 2026
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Collection agency, debt counselor, credit counselor, or credit repair organization — License required. 

No person shall without complying with the terms of this act and obtaining a license from the director:

(1)  Operate as a collection agency, debt counselor, credit counselor, or credit repair organization in this state.
(2)  Engage, either directly or indirectly, in this state in the business of collecting or receiving payment for others of any account, bill, claim or other indebtedness.
(3)  Solicit or advertise in this state to collect or receive payment for another of any account, bill, claim or other indebtedness.
(4)  Sell or otherwise distribute in this state any system or systems of collection letters or similar printed matter where the name of any person other than the particular creditor to whom the debt is owed appears.
(5)  Engage in any activity in this state which indicates, directly or indirectly, that a third party is or may be involved in effecting any collections.
(6)  Engage or offer to engage in this state, directly or indirectly, in the business of collecting any form of indebtedness for that person’s own account if the indebtedness was acquired from another person and if the indebtedness was either delinquent or in default at the time it was acquired.
(7)  Engage or offer to engage in this state in the business of receiving money from debtors for application or payment to or prorating of a debt owed to, any creditor or creditors of such debtor, or engage or offer to engage in this state in the business of providing counseling or other services to debtors in the management of their debts, or contracting with the debtor to effect the adjustment, compromise, or discharge of any account, note or other indebtedness of the debtor.
(8)  Engage or offer to engage in this state in the business of selling, providing or performing services to improve any consumer’s credit record, credit history or credit rating, or providing advice or assistance to any consumer with regard to his credit record, credit history or credit rating.
Notes of Decisions
Cited in 10 cases (2 in the last 5 years), 1983–2025 · leading case: State v. Beard, 22 P.3d 116 (Idaho Ct. App. 2001).
Sort: Relevance Newest Treatment
State v. Beard, 22 P.3d 116 (Idaho Ct. App. 2001). · cites it 34× “§ 26-1201; and ten counts of illegal collection activity, I.C. § 26-2223. On May 6, 1997, Beard filed a motion to disqualify district judge Anderson, who was presiding over the ease.”
Purco Fleet Servs., Inc. v. Idaho State Dep't of Fin., 90 P.3d 346 (Idaho 2004). · cites it 10× “I.C. § 26-2223. Collection agency, debt counselor, or credit counselor permits.”
Davis v. Prof'l Bus. Servs., Inc., 712 P.2d 511 (Idaho 1985). · cites it 10× “The language of I.C. § 26-2223 is extremely broad. Conceivably, it could be said to cover any person who receives payment, even in the name of the creditor, for another.”
Med. Recovery Servs., LLC v. Strawn, 321 P.3d 703 (Idaho 2014). · cites it 6× “” Subsection (2) of I.C. § 26-2223 requires that a person be licensed under the ICAA in order to “[ejngage, either directly or indirectly, in this state in the business of collecting or receiving payment for others of any other account, bill, claim or other indebtedness.”
Wheeler v. Idaho Dep't of Health & Welfare, 207 P.3d 988 (Idaho 2009). · cites it 2× “§ 12-121 since the two central issues on appeal, one being the interpretation of the word “claim” as found in I.C. § 26-2223(2), were issues of first impression.”
Ferguson v. Credit Mgmt. Control, Inc., 140 F. Supp. 2d 1293 (M.D. Fla. 2001). “See Idaho Code §§ 26-2223 — 26-2229 (2000). 20 .”
Cox v. Hilco Receivables, LLC, 726 F. Supp. 2d 659 (N.D. Tex. 2010). “In particular, the court held that the collection notice sent by the defendant was not a threat to take action that could not legally be taken under § 1692e(5), but was instead informational, and a notification that the plaintiffs failure to pay could adversely affect her credit…”
Dun & Bradstreet, Inc. v. McEldowney, 564 F. Supp. 257 (D. Idaho 1983). · cites it 2× “, is a collection agency and as such engages in the activities enumerated in Section 26-2223, Idaho Code, and is a permittee authorized to engage in such activities within the State of Idaho.”
Wall & Assocs., Inc. v. Idaho Dep't of Fin. (Idaho 2025). · cites it 18× “The ICAA defines “debt counselor” as “any person engaged in any of the activities enumerated in subsection (7) of section 26-2223, Idaho Code.” I.C. § 26-2222(9).”
In the Matter of the Unlicensed Debt Collection Activity of PurCo Fleet Servs., Inc (2025). “In analyzing the business activities of relator in seeking to recover rental-vehicle damage claims from consumers, the Idaho Supreme Court concluded that “[t]he rental vehicle damage claim, which PurCo collected against the Idaho resident, constituted a claim or other…”
— Idaho Code § 26-2223(2) — 4 cases
Purco Fleet Servs., Inc. v. Idaho State Dep't of Fin., 90 P.3d 346 (Idaho 2004). “I.C. § 26-2223. Collection agency, debt counselor, or credit counselor permits.”
State v. Beard, 22 P.3d 116 (Idaho Ct. App. 2001). “§ 26-1201; and ten counts of illegal collection activity, I.C. § 26-2223. On May 6, 1997, Beard filed a motion to disqualify district judge Anderson, who was presiding over the ease.”
Wheeler v. Idaho Dep't of Health & Welfare, 207 P.3d 988 (Idaho 2009). “§ 12-121 since the two central issues on appeal, one being the interpretation of the word “claim” as found in I.C. § 26-2223(2), were issues of first impression.”
Med. Recovery Servs., LLC v. Strawn, 321 P.3d 703 (Idaho 2014). “” Subsection (2) of I.C. § 26-2223 requires that a person be licensed under the ICAA in order to “[ejngage, either directly or indirectly, in this state in the business of collecting or receiving payment for others of any other account, bill, claim or other indebtedness.”
— Idaho Code § 26-2223(6) — 1 case
State v. Beard, 22 P.3d 116 (Idaho Ct. App. 2001). “§ 26-1201; and ten counts of illegal collection activity, I.C. § 26-2223. On May 6, 1997, Beard filed a motion to disqualify district judge Anderson, who was presiding over the ease.”
— Idaho Code § 26-2223(7) — 1 case
Wall & Assocs., Inc. v. Idaho Dep't of Fin. (Idaho 2025). “The ICAA defines “debt counselor” as “any person engaged in any of the activities enumerated in subsection (7) of section 26-2223, Idaho Code.” I.C. § 26-2222(9).”
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