{"data":{"id":"us-tn/tenn.-code-ann.-47-18-5503","jurisdiction":"us-tn","citation":"Tenn. Code Ann. § 47-18-5503","heading":"Exempt agreements and persons","body":"This part does not apply to: (1) An agreement with an individual whom the provider has no reason to know resides in this state at the time of the agreement; (2) A provider to the extent that the provider: (A) Provides or agrees to provide debt-management, educational or counseling services to an individual whom 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; or (3) 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 § 47-18-5502 , of a bank if the affiliate is regulated by a federal or state banking regulatory authority; (D) Any person who is engaged in the credit services business as defined in § 47-18-1002 but is not engaged in the business of debt counseling, debt management or debt settlement as defined by this part; provided, that the person is registered as a credit services business with the administrator; or (E) 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. Acts 2009, ch. 469, § 1.\nThis part does not apply to:\n(1) An agreement with an individual whom the provider has no reason to know resides in this state at the time of the agreement;\n(2) A provider to the extent that the provider: (A) Provides or agrees to provide debt-management, educational or counseling services to an individual whom 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; or\n(A) Provides or agrees to provide debt-management, educational or counseling services to an individual whom the provider has no reason to know resides in this state at the time the provider agrees to provide the services; or\n(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; or\n(3) 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 § 47-18-5502 , of a bank if the affiliate is regulated by a federal or state banking regulatory authority; (D) Any person who is engaged in the credit services business as defined in § 47-18-1002 but is not engaged in the business of debt counseling, debt management or debt settlement as defined by this part; provided, that the person is registered as a credit services business with the administrator; or (E) 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\nn § 47-18-1002 but is not engaged in the business of debt counseling, debt management or debt settlement as defined by this part; provided, that the person is registered as a credit services business with the administrator; or (E) 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.\n(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;\n(B) A bank;\n(C) An affiliate, as defined in § 47-18-5502 , of a bank if the affiliate is regulated by a federal or state banking regulatory authority;\n(D) Any person who is engaged in the credit services business as defined in § 47-18-1002 but is not engaged in the business of debt counseling, debt management or debt settlement as defined by this part; provided, that the person is registered as a credit services business with the administrator; or\n(E) 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.","path":["TN Code","Title 47","Chapter 18"],"source_url":"https://oss-data-us.vaquill.ai/v2026.08/us_tn_statutes.parquet","current_through":"2026-08-14","vintage":"open-us-law v2026.08, retrieved 2026-09-14","retrieved_at":"2026-09-14T18:32:26Z","sha256":"5ee07fa0d1af04d61aa207bd95ac41c78a7a4e95f584ed4ad71c1b90944ab6f4","source_id":"us-tn","stale":false,"prev":"us-tn/tenn.-code-ann.-47-18-5502","next":"us-tn/tenn.-code-ann.-47-18-5504"},"notice":"GroundRules: Original legal text. Not legal advice."}