The California Debt Collection Licensing Act (“DCLA” SB 908) takes effect on January 1, 2022. Certain terms in the law have not yet been defined, and there will likely be regulations to clarify the rules because many organizations are challenging the law and demanding explanations. I know it sounds bizarre, but for now, as currently written, the law generally requires licenses for creditors who regularly contact consumers regarding past due debts for goods or services, as explained below.