Wyoming — Collection Agency Act (W.S. tit. 33 ch. 11) + SOL

Authority

Wyoming Statutes title 33, chapter 11 — the Collection Agency Act — is a pure licensing statute. It creates the Collection Agency Board (§33-11-103), requires a license to collect (§33-11-102), requires a $10,000 bond (§33-11-108), and makes unlicensed collection a misdemeanor (§33-11-115). It contains no prohibited-practices code — no harassment section, no call-time window, no frequency cap, no validation or time-barred-debt disclosure. The conduct rules live in the Board's administrative rules, and Board Rules ch. 4 §6 adopts the FDCPA by reference as a state rule — frozen at the text "as issued and amended as of October 13, 2006."

Enforcement: the Board (civil penalty up to $1,000, suspension, revocation, refusal to renew — §§33-11-106, 33-11-112(d)); the Board's own injunction action prosecuted by the Attorney General (§33-11-115(b)); the district attorney for criminal violations (§33-11-116). There is no private right of action in the Act, and the surety bond runs to the creditor-client, not to the consumer (§33-11-108(b)).

Statute of limitations for suit on a debt: W.S. §1-3-105 — 10 years written / 8 years unwritten, among the longest in the country — except negotiable notes, which run 6 years under the UCC (§34.1-3-118).

Verification note. wyoleg.gov's statute browser is a JS app, but the Legislative Service Office's own compressed full-title PDFs fetch cleanly and are the official text: https://www.wyoleg.gov/statutes/compress/title<NN>.pdf (the UCC is title34.1.pdf — title34-1, title341 and title34A all silently return the download page's HTML, not a PDF). Board rules were pulled from the Secretary of State's official repository rules.wyo.gov, which is a JS/ASP.NET app whose backing handler is open: POST AjaxHandler.ashx?handler=Search → ?handler=Search_GetProgramRules (PROGRAM_ID=329 = Collection Agency Board) → ?handler=GetRuleVersionHTML (RULE_VERSION_ID), and each result carries a DownloadFile.aspx?source_id=… link to the official rule PDF. Text below was taken from those PDFs (generated 08/11/2026) on 2026-08-12. Wyoming case law is manual-verification-only: wyocourts.gov's opinion search is metadata-keyed (dates, appellant, appellee — no full text) and expressly excludes everything published before 2006; the govinfo USCOURTS API was rate-limited on every attempt during this pass.

Currency check. The statute PDFs include 2026-session enactments (verified: the Voluntary Water Conservation Program Act created by 2026 SF0084 is present in title41.pdf). All 396 enacted bills from the 2024, 2025 and 2026 sessions were downloaded from https://www.wyoleg.gov/<year>/Enroll/<bill>.pdf and grepped: none amends any section of W.S. 33-11, nor §§1-3-105 / 1-3-116 / 1-3-117 / 1-3-119, nor §34.1-3-118.

Operative text

Who needs a license — §33-11-101(a)(iii) (debt buyers included since 2023)

(iii) "Collection agency" means any person who: (A) Engages in any business, the purpose of which is the collection of any debts for Wyoming creditors; (B) Regularly collects or attempts to collect for Wyoming creditors, directly or indirectly, debts owed or due or asserted to be owed or due another; (C) Takes assignment of debts for the purpose of collecting such debts; (D) Directly or indirectly, solicits for collection debts owed or due or asserted to be owed or due a Wyoming creditor; (E) Uses a fictitious name or any name other than their own name in the collection of their own accounts receivable; (F) Collects debts incurred in this state from debtors located in this state by means of interstate communications, including telephone, mail or facsimile or any other electronic method, from the debt collector's location in another state; or (G) Operates as a debt buyer. — W.S. §33-11-101(a)(iii)

(xv) "Debt buyer" means any person that is regularly engaged in the business of purchasing charged-off consumer debt for collection purposes, whether the person collects the debt, hires a third party for collection of the debt or hires an attorney for collection litigation; — W.S. §33-11-101(a)(xv)

Subparagraph (G) and paragraph (xv) were added by 2023 Wyo. Sess. Laws ch. 119 (H.B. 284, Enrolled Act 58, 67th Leg., 2023 Gen. Sess.):

Section 2. This act shall not affect the validity of any civil action or arbitration filed or commenced by a debt buyer, or any judgment entered for a debt buyer, before July 1, 2023. Section 3. This act is effective July 1, 2023. — 2023 Wyo. Sess. Laws ch. 119, §§2–3

Covered "debt" is consumer-purpose only:

(vii) "Debt" means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family or household purposes, whether or not the obligation has been reduced to judgment; — W.S. §33-11-101(a)(vii)

Who does NOT — §33-11-101(b) (first-party creditors are out)

(b) The term "collection agency" does not include: (i) Any officer or employee of a creditor while collecting debts for and in the name of the creditor; … (iv) Any person whose principal business is the making of loans or the servicing of debt, and who acts as a loan correspondent, seller or servicing agent for the owner or holder of a debt which is secured by a mortgage on real property, whether or not the debt is also secured by an interest in personal property; (v) Any person whose collection activities are carried on in the true name of the creditor, and are confined to the operation of a business other than a collection agency, including but not limited to banks, trust companies, savings and loan associations, abstract companies doing an escrow business, real estate brokers, attorneys, insurance companies, credit unions or loan or finance companies; (vi) Any person whose business is the servicing of credit card debt; (vii) Any person engaged solely in the collection of one (1) or more business debts; or (viii) Any licensed attorney acting in an attorney-client relationship with the creditor, and who conducts the collection in the true name of the client. — W.S. §33-11-101(b)

The license gate — §33-11-102

No person shall conduct a collection agency or act as a debt collector or solicitor within this state without first having obtained a license as provided in this act, except that a debt collector or solicitor acting in the course of his employment for a collection agency licensed in Wyoming is not required to have an individual license. — W.S. §33-11-102

Wyoming also requires a physical in-state office and a resident manager as a condition of licensure — the Board shall refuse the license without one:

(b) The board shall refuse to issue or renew a license: … (iii) If the licensee does not have an established office in Wyoming with a bona fide resident of Wyoming as a resident manager, or in the case of an applicant, the application does not disclose the proposed office location in Wyoming and the name of the proposed resident manager; — W.S. §33-11-105(b)(iii)

(c) All applicants shall have an established office in Wyoming with a bona fide resident of Wyoming as a resident manager of the office. All resident managers shall pass an examination as prescribed by the board to determine the fitness of the resident manager to conduct a collection agency business. — W.S. §33-11-107(c)

Bond — §33-11-108 ($10,000, payable to the CLIENT)

(a) … Within twenty (20) days after notification, the applicant shall file and thereafter maintain a deposit with the state treasurer or a bond as required by this act. The license shall be issued upon approval of the bond by the board and the attorney general. The bond shall be issued by a surety company licensed and authorized to do business in Wyoming, in the sum of ten thousand dollars ($10,000.00) and shall run to the state of Wyoming and to any party who may be a claimant. … The applicant may satisfy the bond requirement of this section by depositing with the state treasurer ten thousand dollars ($10,000.00) cash. (b) The bond shall be conditioned that the principal, as a licensee under this act, shall pay and turn over to or for the use of any claimant from whom any debt is taken or received for collection, the proceeds of such collection less the charges for collection in accordance with the terms of the agreement made between the principal and the claimant. — W.S. §33-11-108(a)–(b)

No action shall be brought upon any bond required to be given under this act after the expiration of two (2) years from the revocation or expiration of the license issued to the licensee and principal under the bond. — W.S. §33-11-109

Penalties — §§33-11-106, 33-11-112(d), 33-11-115

The board shall make reasonable rules and regulations for the administration of this act, and for prescribing acceptable professional standards of conduct of licensees. Any violation of the rules and regulations of the board shall be grounds for the imposition of a civil penalty not to exceed one thousand dollars ($1,000.00) or suspension, revocation or refusal to renew any license issued under this act, or any combination thereof. — W.S. §33-11-106

(a) In addition to other penalties, any person who carries on the business of a collection agency without first having obtained a license, or who carries on a collection agency business after the termination, suspension, revocation or expiration of a license, is guilty of a misdemeanor and upon conviction shall be fined not less than fifty dollars ($50.00) nor more than seven hundred fifty dollars ($750.00), imprisoned in the county jail not more than six (6) months, or both. (b) When it appears to the board that any person is violating any of the provisions of this act, the board may, in its own name, bring an action in a court of competent jurisdiction for an injunction … The proceedings shall be prosecuted by the attorney general, or if approved by the attorney general, by private counsel engaged by the board. — W.S. §33-11-115

Assignee is the real party in interest — §33-11-114

No licensee, under the terms of this act, shall render legal services or advertise directly or indirectly, that it will render legal services, but any licensee can solicit claims exclusively for the purpose of collection, take assignments thereof for the purpose of collection by suit or otherwise, and for such purpose, shall be deemed to be the real party in interest in any suit brought upon such assigned claim. — W.S. §33-11-114

Board Rules ch. 4 — the FDCPA is state law here (eff. 2007-06-29)

Section 6. Fair Debt Collection Practices Act. The Fair Debt Collection Practices Act (FDCPA) as issued and amended as of October 13, 2006, and contained in Title I of the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.) is hereby adopted as if fully set forth herein, except as otherwise set forth in this Chapter. Incorporation of the full text of the FDCPA in these rules would be unduly cumbersome or expensive. These Rules do not include any later amendments or editions of the FDCPA past October 13, 2006. … — Collection Agency Board Rules ch. 4 §6 (031.0001.4.06292007)

The genuinely Wyoming-specific conduct rules in the same chapter:

Section 2. Desk Names. (a) The proper use of an alias or "desk name" by a debt collector does not constitute a violation of Section 1.(a) Chapter IV of these rules, provided: (i) A desk name shall be defined as a name used other than by which a collector is generally known; (ii) Use shall not interfere with the ability to identify the collector; (iii) Only one such name may be used by each collector; and (iv) The collector will continue to identify the agency he or she is associated with. (b) Desk names in use as well as the real name of each debt collector using a desk name will be registered with the Collection Agency Board at the time of each license renewal. Additional names which come in to use during the year and any names discontinued shall also be reported to the Collection Agency Board within 30 days of the time such additions or deletions are made within any agency. — Board Rules ch. 4 §2

Section 4. List of Consumers. No licensee shall publish, or cause to be published, any list of consumers commonly known as "deadbeat lists" or threaten to do so. Section 5. Intimidation. No licensee shall collect, or attempt to collect, by the use of "shame cards" or "shame automobiles" or similar devises; by methods of intimidation, or by methods contrary to postal regulations. — Board Rules ch. 4 §§4–5

Board Rules ch. 3 — fee cap and consumer accounting (eff. 2000-06-26)

Section 3. Litigation and Fees. No licensee shall collect or sue, either as an assignee or as agent for any creditor, for more than the actual amount due or claimed to be due on any claim or claims, plus legal interest and court costs; provided, when suit is brought upon a note or notes providing for an attorney fee, such attorney fee may be added if the licensee is represented by a duly licensed attorney, in which case the attorney fee shall be paid to such attorney and no part thereof shall be retained by the licensee. — Board Rules ch. 3 §3

Section 2. Accounting to Consumers. At the consumer's written or verbal request, licensees shall furnish to the consumer a complete written accounting of matters pertaining to him. Such an accounting should itemize his debts turned over for collection and, in each instance, the name of the creditor, amount claimed to be owed, added charges if any, date and payment received and the amount still owing. Such requests from any one consumer should be reasonable in number, and in no instance will be required more often than payments are made. — Board Rules ch. 3 §2

Section 1. Remittances. All licensees shall account and remit to their clients for all money collected within thirty (30) days from the last day of the month in which the same is collected … — Board Rules ch. 3 §1

"Legal interest" where the contract is silent:

(e) If there is no agreement or provision of law for a different rate, the interest of money shall be at the rate of seven percent (7%) per annum. — W.S. §40-14-106(e)

(a) Except as provided in subsections (b) and (c) of this section, all decrees and judgments for the payment of money shall bear interest at ten percent (10%) per year from the date of rendition until paid. (b) If the decree or judgment is founded on a contract and all parties to the contract agreed to interest at a certain rate, the rate of interest on the decree or judgment shall correspond to the terms of the contract. — W.S. §1-16-102(a)–(b)

Board Rules ch. 2 — NMLS, fees, trust account (eff. 2023-11-01)

Section 3. Application and Fees. (a) Each application for a new or renewing collection agency license shall be submitted through the registry. (b) In addition to any fees assessed by the registry, license fees payable to the Collection Agency Board are established as follows: (i) New Agency License $500.00 (ii) New Branch License $500.00 (iii) Agency Renewal $150.00 (iv) Branch Renewal $150.00 — Board Rules ch. 2 §3 (031.0001.2.11012023)

"Registry" is NMLS by statutory definition:

(xiv) "Registry" means the nationwide multistate licensing system and registry maintained by the State Regulatory Registry, LLC; — W.S. §33-11-101(a)(xiv)

Section 4. Trust Accounts, Exceptions. (a) Except as provided in subsection (b), each licensee shall maintain, at all times, a trust account for the benefit of its clients which shall contain, at all times, sufficient funds to pay all sums due or owed to clients. … Such account shall be clearly designated as a trust account and shall be used only for such purposes and not as an operating account. … (b) A license whose sole activity is to operate as a debt buyer as defined in W.S. 33-11-101(a)(xv) is exempt from the requirement to maintain a trust account on the following conditions: (i) Verify at the time of initial application, on a form prescribed by the board, that the licensee's sole activity is a debt buyer …; (ii) Verify annually at the time of renewal … — Board Rules ch. 2 §4

Section 5. Resident Manager. (a) A person may be qualified as a resident manager for no more than fifteen (15) collection agencies in this state. (b) To qualify as a new resident manager the applicant shall: … (iii) For each time the applicant takes the examination, pay an examination fee of $100.00. (iv) Have at least three years of experience in third-party collection business. (v) Reimburse the board for its actual background investigations expenses not to exceed $50.00. … (f) The Board will hold each resident manager personally responsible for the operation and the conduct of his or her employees. — Board Rules ch. 2 §5

Section 10. Renewal. (a) Any licensee desiring to renew its collection agency license must submit the application for renewal through the registry during the renewal period of November 1 through December 1 each year. (b) Renewal applications submitted through the registry after December 1 shall be sanctioned according to the following schedule: (i) Submitted December 2 through December 15: $250.00 (ii) Submitted December 16 through December 31: $750.00 — Board Rules ch. 2 §10

Section 9. License Not Required. A license for a collection agency will not be required for any person or business whose only operation consists solely of a billing service done in the name of the client. — Board Rules ch. 2 §9

(License term is statutory: every license expires December 31 and is not transferable — §33-11-110(b); each office or place of business is licensed separately — §33-11-110(a).)

Call-frequency cap and call-time window — NONE (verified negative)

There is no Wyoming call-frequency cap and no Wyoming call-time window. Method: the entire Wyoming Statutes — all 42 numbered titles plus title 34.1 (the UCC), 43 files — were downloaded as the LSO's official full-title PDFs, converted to text (26.3 MB) and grepped. "9:00 p.m" returns zero hits code-wide; "8:00 a.m" hits only title 15 and title 33 §33-26-304 (a medical board's temporary-license expiry hour) — no collection context. The Collection Agency Act has no harassment or communication section at all, and the Board's ch. 4 imports the FDCPA rather than adding numbers. The operative frequency and hour limits in Wyoming are therefore the federal ones — FDCPA §1692c(a)(1) and Reg F §1006.14(b) 7-in-7 / 7-day post-conversation.

Wyoming's only telephone-conduct statute of general application is criminal and requires anonymity or a threat, not mere volume:

(a) A person commits a misdemeanor … if he telephones another anonymously or under a false or fictitious name and uses obscene, lewd or profane language or suggests a lewd or lascivious act with intent to terrify, intimidate, threaten, harass, annoy or offend. (b) A person commits a misdemeanor … if: (i) By repeated anonymous telephone calls, he disturbs the peace, quiet or privacy of persons where the calls were received; or (ii) He telephones or otherwise electronically or in writing communicates with a person and threatens to: (A) Inflict death …; or (B) Inflict injury or physical harm … — W.S. §6-6-103(a)–(b)

Time-barred-debt disclosure, validation notice, medical-debt rules — NONE (verified negative)

Same full-code grep: "time-barred", "time barred" and "validation notice" each return zero hits across the whole code. "medical debt" hits exactly one section — W.S. §35-25-706, the Wyoming rural health transformation program, where medical-debt relief is a permitted use of incentive payments — and nothing about collecting it; there is no special medical-debt limitations period anywhere in W.S. §1-3-105. Reg F §1006.26 and §1006.34 are the only disclosure rules operating in Wyoming.

The Wyoming Consumer Protection Act does not reach collection conduct on its face — its unlawful practices bite only "in connection with a consumer transaction," which is defined as the front end of the sale:

(ii) "Consumer transactions" means the advertising, offering for sale, sale or distribution of any merchandise to an individual for purposes that are primarily personal, family or household; — W.S. §40-12-102(a)(ii)

(a) A person engages in a deceptive trade practice unlawful under this act when, in the course of his business and in connection with a consumer transaction, he knowingly: … — W.S. §40-12-105(a)

Wyoming's UCCC unconscionability section is likewise limited to the agreement, not to collection conduct (contrast the 1974 UCCC §5.108):

(a) With respect to a consumer credit sale, consumer lease, or consumer loan, if the court as a matter of law finds the agreement or any clause of the agreement to have been unconscionable at the time it was made the court may refuse to enforce the agreement … — W.S. §40-14-508(a)

Statute of limitations — W.S. §1-3-105

Civil actions can only be commenced within the periods prescribed in this chapter, after the cause of action accrues, but where a different limitation is prescribed by statute, that shall govern. — W.S. §1-3-102 ("When actions may be commenced")

(a) Civil actions other than for the recovery of real property can only be brought within the following periods after the cause of action accrues: (i) Within ten (10) years, an action upon a specialty or any contract, agreement or promise in writing; (ii) Within eight (8) years, an action: (A) Upon a contract not in writing, either express or implied; or (B) Upon a liability created by statute other than a forfeiture or penalty. (iii) Within five (5) years after the debtor establishes residence in Wyoming, an action on a foreign claim, judgment or contract, express or implied, contracted or incurred and accrued before the debtor became a resident of Wyoming; (iv) Within four (4) years, an action for: (A) Trespass upon real property; (B) The recovery of personal property or for taking, detaining or injuring personal property; (C) An injury to the rights of the plaintiff, not arising on contract and not herein enumerated; and (D) For relief on the ground of fraud. (v) Within one (1) year, an action for: (A) Libel or slander; (B) Assault or battery not including sexual assault; (C) Malicious prosecution or false imprisonment; or (D) Upon a statute for a penalty or forfeiture … — W.S. §1-3-105(a)

There is no open-account or account-stated category in the Wyoming Statutes — the phrase "open account" returns zero hits in title 1, and the only place it appears anywhere in the code is title 9's bank-deposit sections (W.S. §§9-4-809 to 9-4-812, "time deposit, open account" — state treasury deposits, unrelated to receivables). Every consumer debt lands in (a)(i) or (a)(ii)(A).

Catch-all for anything not enumerated:

An action for relief, not hereinbefore provided for, can only be brought within ten (10) years after the cause of action accrues. — W.S. §1-3-109

Negotiable notes — §34.1-3-118 (6 years, NOT 10)

Wyoming enacted Revised UCC Article 3, and §1-3-102's "different limitation prescribed by statute" clause makes it govern over §1-3-105(a)(i):

(a) Except as provided in subsection (e), an action to enforce the obligation of a party to pay a note payable at a definite time must be commenced within six (6) years after the due date or dates stated in the note or, if a due date is accelerated, within six (6) years after the accelerated due date. (b) Except as provided in subsection (d) or (e), if demand for payment is made to the maker of a note payable on demand, an action to enforce the obligation of a party to pay the note must be commenced within six (6) years after the demand. If no demand for payment is made to the maker, an action to enforce the note is barred if neither principal nor interest on the note has been paid for a continuous period of ten (10) years. — W.S. §34.1-3-118(a)–(b)

Subsections (c)–(g) supply the rest of the Article 3 grid: unaccepted drafts 3 years from dishonor or 10 years from the draft's date, whichever expires first (c); certified/teller's/ cashier's/traveler's checks 3 years from demand (d); certificates of deposit 6 years from demand (e); accepted drafts 6 years (f); conversion, warranty and residual Article 3 claims 3 years (g).

Revival — W.S. §1-3-119 (payment restarts; acknowledgment must be signed)

When payment has been made upon any demand founded on contract or a written acknowledgment thereof, or promise to pay the same has been made and signed by the party to be charged, the time for commencing an action runs from the date of such payment, acknowledgment or promise. — W.S. §1-3-119

Tolling and the borrowing statute — §§1-3-116, 1-3-117, 1-3-118

If a cause of action accrues against a person when he is out of the state, or has absconded or concealed himself, the period limited for the commencement of the action does not begin to run until he comes into the state or while he is so absconded or concealed. If after the cause of action accrues he departs from the state or absconds or conceals himself, the time of his absence or concealment is not computed as a part of the period within which the action shall be brought. — W.S. §1-3-116

If by the laws of the state or country where the cause of action arose the action is barred, it is also barred in this state. — W.S. §1-3-117

If in an action commenced in due time a judgment for the plaintiff is reversed, or if the plaintiff fails otherwise than upon the merits and the time limited for the commencement of the action has expired at the date of the reversal or failure, the plaintiff … may commence a new action within one (1) year after the date of the failure or reversal. … — W.S. §1-3-118

Plain English

Interpretation — the quotes above win on any conflict.

• Wyoming is a license state, and the license is unusually hard to get. It is not a registration or a bond-only gate like Texas. You need a Wyoming license per office, an actual physical office in Wyoming, and a Wyoming-resident manager who passed the Board's exam and has three years of third-party collection experience. Out-of-state agencies are squarely in scope — §33-11-101(a)(iii)(F) captures interstate phone/mail/electronic collection into Wyoming from another state.
• Debt buyers have needed a license since July 1, 2023 (2023 Wyo. Sess. Laws ch. 119). A debt buyer that does nothing but buy and place paper is exempt from the client trust account (Board Rules ch. 2 §4(b)) but from nothing else — including the physical-office and resident-manager requirements.
• First-party creditors are out of scope, with one sharp exception: a creditor that collects its own receivables under a fictitious or other-than-own name is a "collection agency" and needs the license (§33-11-101(a)(iii)(E)). Credit-card servicers (b)(vi), commercial-only collectors (b)(vii), and attorneys collecting in the client's true name (b)(viii) are exempt.
• The Act has no conduct code — the Board imported the FDCPA instead. Practically, an FDCPA violation in Wyoming is also a licensing violation exposing the agency to a $1,000 civil penalty and license revocation, with the resident manager personally on the hook for employee conduct (ch. 2 §5(f)). But the adoption is frozen at the 2006 FDCPA text: Reg F, the 2021 CFPB rule, and every post-2006 FDCPA amendment are federal obligations only, not independently enforceable Board rules.
• No frequency cap, no call window, no state validation notice, no time-barred disclosure, no medical-debt rule. The federal floor governs all five.
• The fee rule is strict and state-specific: principal + legal interest + court costs, and nothing else. Contractual attorney fees may be added only on a note and only when an actual licensed attorney is retained, and the agency may not keep any part of that fee.
• SOL is long: 10 years written, 8 years unwritten, 6 years on a negotiable note. The note period is shorter than the written-contract period — the opposite of most states.
• Payment restarts the clock. §1-3-119 is a restart statute, not merely a tolling statute: the limitations period "runs from the date of such payment." Unlike a signed acknowledgment or promise, a payment carries no writing or signature requirement.

Traps / edge cases

• §1-3-105(a)(iii) is not an open-account rule — it is a new-resident rule, and it can cut the period. A claim that accrued against the debtor before they moved to Wyoming gets five years from the date they establish Wyoming residence, regardless of whether the underlying contract was written (10) or oral (8). For a portfolio of out-of-state paper on debtors who later moved to Wyoming, five-from-residency is the operative clock, and it interacts with §1-3-117: if the claim is already dead under the law of the state where it arose, Wyoming bars it outright.
• §1-3-116 tolling can run the other way and make Wyoming claims extremely old. If the cause of action accrued while the debtor was out of state, the clock does not begin at all until they come into Wyoming; time spent absent after accrual is not counted. Layered on a 10-year written period this produces claims far older than any calculator's default. Treat any §1-3-116 adjustment as attorney-review territory, not automatic math.
• Reverse collapse on notes. A negotiable promissory note is 6 years (§34.1-3-118(a)), four years shorter than the general 10-year written-contract period. Any tool that treats "note" as a subtype of "written contract" will over-age Wyoming notes by four years and invite a §1692e(2)/(5) suit-threat problem. Demand notes have no clock until demand, then six years, with an absolute 10-year no-payment backstop in §34.1-3-118(b).
• Post-expiry revival is UNVERIFIED and the risk is asymmetric. §1-3-119 says the period "runs from the date of such payment, acknowledgment or promise" and, unlike Texas's §16.065, contains no words limiting it to claims that are still alive. Read literally it revives a time-barred Wyoming claim on a bare partial payment with no writing at all. Whether Wyoming courts read it that way is not verifiable from an official source — the Wyoming Supreme Court's opinion archive has no full-text search and stops at 2006, and the governing cases are older. Do not auto-re-age expired Wyoming debt on a payment; route to counsel. Wyoming is not a no-revival state, so it is not a no-revival state, but the post-expiry question specifically should not be reduced to a yes/no.
• The bond protects the creditor, not the consumer. §33-11-108(b) conditions the $10,000 bond on paying over collections to "any claimant from whom any debt is taken or received for collection" — the forwarding client. A Wyoming consumer has no bond claim, and the Act gives them no private right of action either. Consumer remedies in Wyoming are federal (FDCPA §1692k) plus a Board complaint under §33-11-112(a).
• The Board's FDCPA snapshot is a trap in both directions. Complying with Reg F does not automatically satisfy ch. 4 §6 (which points at 2006 text), and a practice that Reg F permits — e.g. limited-content messages, e-mail/text channels — has no safe harbor in the Board's rules. Conversely, the desk-name rule (ch. 4 §2) is stricter than §1692d(6): one alias per collector, registered with the Board at renewal, additions and deletions reported within 30 days.
• Renewal is a hard annual cliff with automatic money penalties. The window is Nov 1–Dec 1; Dec 2–15 costs $250 and Dec 16–31 costs $750, and the license expires Dec 31 regardless (§33-11-110(b)). Collecting on Jan 2 with an unrenewed license is the §33-11-115(a) misdemeanor, not a paperwork problem.
• Assignment mechanics are favorable but come with a duty. A licensee taking assignment is "the real party in interest" and may sue in its own name (§33-11-114) — but the same section forbids rendering or advertising legal services, so in-house "our legal department" branding is a licensing violation in Wyoming even where it would be only a §1692e(3) question federally.

Related

• ../federal/fdcpa/overview.md — the Board adopts this by reference (2006 text) as a state rule
• ../federal/reg-f/call-frequency.md — governs in WY; no state cap
• ../federal/reg-f/time-barred-debt.md — governs in WY; no state disclosure
• ../federal/reg-f/validation-notice.md
• ./co.md · ./sd.md · ./ne.md · ./ut.md · ./id.md · ./tx.md · ./_matrix.md