Table of contents

Overview

A collection agency is defined as a person, other than a collector, who carries on the business of:

  • collecting or attempting to collect debt or debts from a debtor in Alberta under any name that differs from that of the creditor to whom the debt is or was originally owed, regardless of to whom or where the payment is made
  • on behalf of another person
  • where the person has purchased a debt or debts that is or are in arrears

Unless they are collecting a debt of which they are the original creditor or owner, acquired the debt through a merger, the acquisition of another business, the seizure of accounts receivable under a security agreement, or were assigned the debt for the purpose of financing the transaction.

Specific information on the exemptions can be found in section 1(b) of the Collection and Debt Repayment Practices Regulation.

If your business does not require this licence, you do not need to proceed further.

How to apply

You will need to provide:

  • information on your business
  • a criminal record check or police information check
  • a completed collector application form
  • a security
  • trust account information
  • additional information
  • payment for a licensing fee

You need to ensure your collectors are licensed to operate in Alberta.

To get started, follow the instructions below to save and open the application form.

Trouble opening or completing PDF forms?

Fillable forms do not open properly on some mobile devices and web browsers. To fill in and save this form:

  1. Click on the PDF link to save it on your computer.
  2. Launch Adobe Reader.
  3. Open the PDF from within Adobe Reader. You can now fill and save your form.

Application form

Application for an Agency Licence (PDF, 85 KB)

Your responsibilities

Licence holders must notify Service Alberta in writing within 15 days of a change in:

  • business address
  • partners of the business if the licence is issued to a partnership
  • officers or directors of the corporation if the licence is issued to a corporation

Licence holders must notify Service Alberta in writing within 15 days of ceasing to carry on the activities for which the licence was issued.

It is your responsibility to ensure your licence is in force as long as you continue to do business. Once your licence is issued, note the expiry date and ensure your licence is renewed prior to this date.

Licensees must be able to provide confirmation of licensing on request. This can be done by providing a copy of the licence or by providing other confirmation that the business is properly licensed. This can include providing a link to the Find a Licensed Business search tool.

Compliance

Note: applicant, directors, officers and partners are required to read the Consumer Protection Act and its regulations associated with this licence and understand that certain sections are of significance, including but not limited to the specific sections noted below.

Collection Agency Compliance Standards – Read and understand

Consumer Protection Act

Collection and Debt Repayment Practices Regulation

  • Section 12.1 regarding knowledge of the legislation and prohibited collection practices – the maximum one-time fee for a dishonoured cheque or pre-authorized debit is $25
  • Section 13 regarding advertising
  • Sections 14 through 20 regarding maintaining a trust account
  • Section 21 regarding issuance of receipts
  • Section 21.1 regarding settlement agreements
  • Section 22 regarding reports to creditors
  • Section 23.1 regarding credit reporting
  • Section 23.2 regarding complete accounting of a debt to the debtor
  • Section 23.3 regarding retaining records

General Licensing and Security Regulation

Copies of legislation can be obtained from the Alberta Queen’s Printer.

Contact

Connect with the Consumer Contact Centre:

Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-427-4088
Toll free: 1-877-427-4088 (in Alberta)
Email: [email protected]