On this page
| Disclosure law | Yes |
|---|---|
| Broker registration | None |
| State calling statute | Federal only |
A straightforward adopter. Kansas took the standard template, set the threshold at $500,000, and came into force in July 2024 alongside Connecticut — the two states that made 2024 the year the map filled in.
The disclosure requirement
| Statute | Kansas Commercial Financing Disclosure Act |
|---|---|
| In force | 1 July 2024 |
| Reaches | Commercial financing transactions of $500,000 or less |
| Must contain | Total amount financed, disbursement amount, total repayment, total dollar cost, payment amount and frequency, and prepayment terms. |
| Annualised rate | Dollar-cost disclosure rather than an annualised rate. |
Calling into Kansas
Federal TCPA plus the Kansas no-call provisions. No mini-TCPA damages regime.
What changes for a broker
- One of the two disclosure states with no registration to file, which makes the operational cost of compliance close to zero once your paperwork is right.
- The template is close enough to Kansas’s neighbours that a provider compliant in Missouri is most of the way there — but Missouri adds a broker registration Kansas does not.
What Kansas files look like
Agriculture and agricultural services are genuinely material here in a way they are not in most states, alongside trucking along the I-70 and I-35 corridors, and a solid base of small manufacturing. Agricultural files carry seasonality that no daily-remittance model reads well.
Questions
Does Kansas regulate merchant cash advances?
Yes. Kansas Commercial Financing Disclosure Act applies to commercial financing transactions of $500,000 or less. Total amount financed, disbursement amount, total repayment, total dollar cost, payment amount and frequency, and prepayment terms.
Do I need to register to broker MCAs in Kansas?
Kansas has no commercial-financing-specific registration or licence for brokers. General business licensing applies as it would to any company operating there.
Can I cold call businesses in Kansas?
Federal TCPA plus the Kansas no-call provisions. No mini-TCPA damages regime.
Whichever state you are dialling, what protects you is the consent record rather than an assurance from a vendor. That is covered in the compliance guide.
Do you sell MCA leads in Kansas?
Yes. Every lead clears the same six minimums wherever the merchant is — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based, and mobile-verified by a 6-digit code. $60 per lead, in packs starting at 50. We can filter your leads by state, which is a real risk control in Kansas if you are concerned about the calling rules.