HI collection agency bonds.
From $100. Enter your amount.
Hawaii requires every registered collection agency to file and maintain a surety bond with the director of commerce and consumer affairs under HRS 443B-5 — $25,000 for your first office in the State and $15,000 for each additional office. The premium is 0.5% of the bond amount, $100 minimum ($125 on a $25,000 bond), your exact price appears at the application, and the bond issues the moment you pay. Any credit screen is a soft pull only — it never affects your score.
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Apply to filed in one sitting.
No underwriting queue for the Hawaii collection agency bond — enter your amount, pay, and file with the DCCA. Here is the whole thing:
Apply online
Business details, your bond amount, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
The premium is 0.5% of the bond amount with a $100 minimum, priced at checkout — the bond issues the moment you pay, and your executed bond and power of attorney generate on the spot.
File with the DCCA
Your executed bond arrives by email, ready to file with your collection agency registration at the Department of Commerce and Consumer Affairs. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Hawaii registers collection agencies through the Department of Commerce and Consumer Affairs, and HRS 443B-5 requires each agency to file and maintain a bond with the director — $25,000 for the first office in the State and $15,000 for each additional office, written by a surety authorized to do business in Hawaii and running to the State.
It's a three-party arrangement: you (the principal), the surety carrier, and the State of Hawaii (the obligee). The bond is conditioned on the agency faithfully, promptly, and truly accounting to its clients — paying over, within thirty days after each calendar month, the net proceeds due on all collections made during that month.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file for the registration to stay in good standing; 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, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Hawaii bonds.
Finish your agency registration today.
0.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.