CO supervised lender bonds.
1% of the bond amount.
Colorado licenses supervised lenders — lenders making consumer loans above the usury threshold — through the Uniform Consumer Credit Code Administrator at the Attorney General's office. Licensure under C.R.S. 5-2-302 requires a surety bond in favor of the Attorney General, sized by rule to your prior-year Colorado loan volume: $15,000, $20,000, or $25,000. The premium is 1% of the bond amount, $100 minimum, the bond issues the moment you pay, and any credit screen is a soft pull only.
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Three steps. One sitting.
Supervised lender license bonds are a straightforward filing. Here's the entire process:
Apply online
Business details, your bond amount, branch addresses if one bond covers multiple licensed locations, an effective date, and a term. Any credit screen is a soft pull.
Pay & e-sign
The premium is 1% of the bond amount with a $100 minimum, and the bond issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the UCCC Administrator
Your executed bond arrives by email, ready to file with your supervised lender license at the Colorado Department of Law. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Colorado's Uniform Consumer Credit Code requires a license to make supervised loans — consumer loans with an APR above the statutory threshold. C.R.S. 5-2-302 conditions the license on financial responsibility, satisfied by a surety bond in favor of the Attorney General of the State of Colorado for use by the UCCC Administrator. Rule 9 of 4 CCR 902-1 sets the amount: $15,000 for initial applicants and prior-year Colorado volume up to $500,000, $20,000 up to $1 million, and $25,000 above $1 million.
It's a three-party arrangement: you (the principal), the surety carrier, and the Attorney General (the obligee). The bond is conditioned on your compliance with the UCCC and its rules — the rate caps, disclosure duties, and conduct standards that protect Colorado borrowers. One bond can cover all your licensed locations, with an aggregate cap of $250,000.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond must stay continuously on file for as long as you hold the license; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, branch addresses if any, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Colorado bonds.
Finish your supervised lender license today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.