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Q & A Drilldown

Alabama
Record Retention
Retention Period > Does state law require a creditor to retain records for a specific period?

Short Answer:

Yes, two years.

Explanation:

The Alabama Consumer Credit Act, Ala. Code §§ 5-19-1 et seq. ("Mini-Code"), requires a licensee to retain records at its licensed location for two years after the last entry on any transaction. Ala. Code § 5-19-24(a). The Alabama Consumer Credit Act Regulations, Ala. Admin. Code r. 155-2-2-.01 et seq. ("Mini-Code Regulations"), prohibit a licensee from selling, transferring, removing, or otherwise disposing of records sooner without the Banking Department's prior written approval. Ala. Admin. Code r. 155-2-2-.10(6).

Last Revision*:

May 26, 2020   Show Redlined Changes

* The Last Revision date is the last time we made a SUBSTANTIVE revision to the answer. The date DOES NOT represent the last time we reviewed the answer. We review our answers on an ongoing basis.