A vetted list of repossession agencies serving Rhode Island lenders, credit unions and car dealers. Focused on professional auto collateral recovery around Providence, Warwick, Johnston and statewide.
Listing here is not an endorsement. Before assigning accounts, confirm each agency’s licensing, insurance, fee schedule, coverage area and compliance standards with your own vendor process.
| Agent licensing | Rhode Island requires repossession agents to be licensed as Private Detectives (RI DPS) |
| Self-help repossession | Allowed under UCC Article 9 — peaceful possession required |
| Disposal notice | 15 days notice before disposal |
| Deficiency rules | Deficiency allowed after commercially reasonable sale |
| Regulator | Rhode Island Dept. of Business Regulation |
Lender/dealer tip: Rhode Island's small geographic size means most repo work is handled by vendors who also operate in MA and CT. Verify multi-state licensing across New England before assigning — MA, CT, and RI each have different requirements.
This is an informational summary only and not legal advice. Consult qualified legal counsel before establishing repossession procedures in Rhode Island.