Licensing Requirements to lend my money

[Michael G.]

New to Private Money Lending/Hard Money Lending and I would prefer to hear from you guys before I make a million mistakes! 

Scenario: I myself, want to lend $200,000.00 and the lawyer does up the contract for the note and a Trust Deed between myself and this guy I had already sold a property to, a year ago. What licenses must I have if any? Do I need any?

1. My own money

2. I am not a business

3. I do not advertise or have any business cards.

4. Yes, I would like to charge a couple points and it will be an Interest Only loan that will have a 6 month to 1 year term.

I have read that you cannot charge points.

I have heard that no license is needed and then someone said that a license is needed

I am hoping someone can spell it out for me so I can comply 100% and not have to worry about losing the little money I have.

Thanks