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Regulation by state

MCA leads in Kansas.

Kansas has required commercial financing disclosures on transactions of $500,000 or less since 1 July 2024.

Checked 30 August 2026 · Not legal advice

Disclosure law
Yes
Registration
None
State calling act
Federal only

The rules.

Disclosure law
Kansas Commercial Financing Disclosure Act
In force
1 July 2024
Threshold
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.
Registration
None specific to commercial financing.
Calling
Federal TCPA plus the Kansas no-call provisions. No mini-TCPA damages regime.

sources disagree on some effective dates, so confirm against the statute

What changes for a broker.

  1. 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.
  2. 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.

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