State Licenses and Disclosures
National Fidelity Financial, Inc. ("National Fidelity Financial," "NFF," "we," "our," or "us") proudly serves consumers throughout the United States. Certain states require National Fidelity Financial to maintain licenses, registrations, or other regulatory approvals in order to market and provide its services. The exact name and requirements of these licenses vary by state, and not all states require licensure or registration.
Some states require National Fidelity Financial to provide specific disclosures and licensing information to consumers. The information contained on this page is provided for informational purposes only and is not intended to be, nor should it be construed as, a complete statement of all terms, conditions, disclosures, rights, or obligations relating to our services. For complete information governing your relationship with National Fidelity Financial, please refer to our Privacy Policy, Terms of Use, service agreements, and any other applicable disclosures provided during enrollment.
National Fidelity Financial provides debt settlement and debt consolidation services. National Fidelity Financial does not provide credit repair services and does not charge advance fees for debt settlement services. Fees, if any, are earned only in accordance with applicable federal and state laws.
In certain states, National Fidelity Financial may maintain licenses, registrations, or regulatory approvals that are categorized under debt settlement, debt management, loan broker, credit services, consumer finance, telemarketing, or similar regulatory classifications. The names and requirements of these licenses vary by jurisdiction.
Although National Fidelity Financial may maintain such licenses or registrations, National Fidelity Financial is not a bank, lender, finance company, mortgage company, or credit repair organization. National Fidelity Financial does not lend money, originate loans, extend credit, or provide credit repair services.
As part of evaluating a consumer's financial circumstances, National Fidelity Financial representatives may discuss a variety of debt-relief and debt-resolution options, including debt settlement, debt consolidation, personal loans, refinancing alternatives, and other financial strategies that may be available through third-party providers.
In certain jurisdictions and circumstances, National Fidelity Financial may facilitate introductions to independent third-party lenders or financing providers. Any such services are conducted in accordance with applicable state and federal law. National Fidelity Financial is not a lender and does not originate, fund, underwrite, or service loans.
Any discussion of loan products, debt consolidation loans, personal loans, refinancing options, or other lending products is for informational purposes only unless otherwise expressly stated. National Fidelity Financial does not guarantee that any consumer will qualify for a loan or financing product offered by an independent third-party lender.
National Fidelity Financial does not make loans and does not provide credit repair services.
Principal Place of Business
National Fidelity Financial, Inc.
930 S Harbor City Blvd., Suite 401
Melbourne, FL 32901
Phone: (877) 418-0042
Website: https://www.nfdebt.org
Corporate Information
Legal Name: National Fidelity Financial, Inc.
NMLS ID: 2740860
States Where National Fidelity Financial Currently Conducts Business
National Fidelity Financial currently markets and provides services in the following jurisdictions:
- Alaska
- Alabama
- Arkansas
- Arizona
- District of Columbia
- Florida
- Indiana
- Louisiana
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Nebraska
- New Mexico
- New York
- Oklahoma
- South Dakota
- Texas
Availability of services is subject to applicable federal and state law and regulatory requirements. National Fidelity Financial reserves the right to modify, expand, limit, or discontinue the jurisdictions in which it offers services at any time without notice.
Consumers residing in these jurisdictions should carefully review all disclosures and service agreements before enrolling in any debt settlement program.
State-Specific Consumer Disclosures
Florida
Debt settlement services are not appropriate for everyone. Failure to pay your obligations as agreed may negatively affect your credit rating and may result in collection activity, including legal action by creditors.
Commercial Telephone Seller License: TC4517
Indiana
Debt settlement services may adversely affect your credit rating and may subject consumers to collection activity. Consumers should carefully review all disclosures and agreements before enrolling.
Debt Settlement Registration: No Number Issued
Missouri
Debt settlement services may result in adverse credit reporting and continued collection efforts from creditors.
Debt Settlement Registration: No Number Issued
South Dakota
Debt settlement services may adversely affect creditworthiness and may result in collection activity.
Debt Settlement Registration: No Number Issued
Texas
The use of debt settlement services and the failure to make payments to creditors:
- Will likely adversely affect your creditworthiness and credit score;
- May result in collection activity or lawsuits by creditors or debt collectors; and
- May increase the amount owed due to accrued interest, fees, and penalties.
Debt Settlement Registration Number: 2500080396-229964
Expiration Date: February 2027
All Other Operating States
Debt settlement services are not appropriate for every consumer. Failure to make timely payments to creditors may:
- Negatively affect your credit score and creditworthiness;
- Result in collection activity, including lawsuits;
- Increase balances due to accrued interest, fees, and penalties; and
- Affect your ability to obtain future credit.
Not all creditors will agree to negotiate or settle debts, and results may vary based upon individual circumstances.
Additional State Licenses Maintained by National Fidelity Financial
National Fidelity Financial maintains certain licenses and registrations in jurisdictions where the company may not currently market or provide services. These licenses are maintained for business continuity, future expansion, regulatory compliance, and related business purposes.
California
California Consumer Financial Protection Law (CCFPL) Registration – Debt Settlement Services
License Number: 01-CCFPL-2740860-3770891
Idaho
Collection Agency License / Debt Settlement Registration
License Number: CCA-2082740860
Iowa
Debt Management License
License Number: 2026-0069
Maryland
Debt Settlement Services Provider Registration
License Number: 2740860
Montana
Telemarketing License
License Number: 2557585
NMLS Information
National Fidelity Financial, Inc.
NMLS ID: 2740860
Consumers may verify applicable licensing information through the Nationwide Multistate Licensing System (NMLS) Consumer Access website at https://www.nmlsconsumeraccess.org/ .
Regulatory Actions
No regulatory actions have been posted against National Fidelity Financial, Inc. in NMLS Consumer Access.
Important Consumer Notice
Debt settlement services are not appropriate for everyone. Failure to pay your monthly obligations may result in increased balances due to accrued interest and fees, adverse credit reporting, collection activity, lawsuits, and other actions by creditors. Not all creditors will agree to reduce balances or accept settlement offers. Individual results vary and depend upon numerous factors, including creditor participation and a consumer's financial circumstances.
National Fidelity Financial does not guarantee that any debt will be reduced by a specific amount or percentage, nor does it guarantee that any particular creditor will participate in a settlement program. National Fidelity Financial does not guarantee approval for any loan, refinancing product, or financing option offered by an independent third-party lender.
Nothing contained on this page shall be construed as legal, tax, accounting, financial, or lending advice. Consumers should consult qualified professionals regarding their specific circumstances before making financial decisions.
