ND SB2260

Redefines "consumer credit counseling service" to include any person, not just nonprofit corporations, offering to help debtors liquidate debts through structured installments or reduce finance charges.

Establishes comprehensive definition of "debt-settlement service" covering intermediaries and advisors who help consumers settle unsecured debts or tax obligations for less than full amount, while excluding licensed attorneys, accountants, and financial planners.

Changes "assurance of discontinuance" language to "voluntary compliance" and adds chapter 51-28 to violations the attorney general may address, while establishing that failure to comply with court-approved voluntary compliance constitutes contempt of court.

Expands telephone solicitation protections by including text messages and electronic communications in definitions, and excludes text messages from exemptions previously granted to polling calls, political communications, and incomplete sales presentations.

Maintains restrictions on prerecorded or synthesized voice messages without subscriber consent, with existing exemptions for public safety agencies, school districts, current business relationships, and work schedule notifications.