What license does a Hard Money Lender need?

[Frank Hinck]

I'm looking for a Hard Money Lender (HML), I want to make sure they have a license, but some deep googling doesn't really help me determine license they would need? Looking to some State websites, I've seen some things about Industrial Loan and the Nationwide Multistate Licensing System (NMLS), should they be bonded/insured? The American Associate of Private Lenders seem to just be an industry group - not a legit license. Any help would be appreciated!