NV collection agency bonds.
1% of the bond amount.

Nevada licenses collection agencies through the Commissioner of Financial Institutions, and NRS 649.105 requires every applicant to file a bond running to the State of Nevada — $35,000 to start, stepped up by the Commissioner as your average monthly trust balance grows. The premium is 1% of the bond amount, $100 minimum, 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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Required to license a Nevada collection agency under NRS 649.105

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Amount starts at $35,000 and steps up with your average monthly trust balance

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1% of the bond amount, $100 minimum — exact price at the application, issued the moment you pay

1% rate$100 minimumInstantissuance at checkoutSoft pullnever a hard inquiry

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How it works

Three steps. One sitting.

Collection agency bonds are amount-based, not queue-based — enter the amount on your notice, pay, and file. Here is the whole process:

NOW · ONLINE

Apply online

Business details, the bond amount on your Division or NMLS notice, an effective date, and a term. Any credit screen is a soft pull that never shows as a hard inquiry.

INSTANTLY

Pay & e-sign

Your exact premium — 1% of the bond amount, $100 minimum — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.

SAME DAY

File through NMLS

Upload the executed bond to your collection agency record for the Nevada Division of Financial Institutions. Wet-ink original mailed on request.

About this bond

What it is and who needs it.

What the collection agency bond guarantees

Nevada regulates collection agencies under NRS Chapter 649, administered by the Commissioner of Financial Institutions. NRS 649.105 requires an applicant to file, concurrently with the license application, a bond in the sum of $35,000 — or an approved substitute security under NRS 649.119 — running to the State of Nevada.

The bond is conditioned on the agency paying collection proceeds over to its customers on the agreed terms and otherwise conducting business in accordance with Chapter 649. It is a three-party arrangement: you (the principal), the surety carrier, and the State of Nevada (the obligee).

The Commissioner reviews the amount against your average monthly trust account balance — $35,000 below $100,000 in balances, $40,000 from $100,000, $50,000 from $150,000, and $60,000 at $200,000 and above. It is not insurance for you: if the surety pays a claim, you repay the surety. We track the term and send renewal notices 60 and 30 days out.

NRS 649.105Section 649.105 of the Nevada Revised Statutes requires an applicant for a collection agency license to file with the Commissioner of Financial Institutions, concurrently with the application, a bond in the sum of $35,000 — or an appropriate substitute under NRS 649.119 — running to the State of Nevada and conditioned that the applicant pay collection proceeds to customers as agreed and comply with Chapter 649. The Commissioner determines the appropriate amount against the agency's average monthly trust account balance. Confirm your required amount on your Division or NMLS notice.

You need this bond if you're

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Applying for a Nevada collection agency license through NMLS with the Division of Financial Institutions

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Renewing an existing license — the bond has to stay continuously on file

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Increasing your bond after the Commissioner reviewed your average monthly trust balance

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Reinstating a license that lapsed when the bond expired or was cancelled

One application, issued instantly.

These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the entire application.

Start the application →

FAQ

Common questions.

How much is the Nevada collection agency bond?The premium is 1% of the bond amount, $100 minimum. A $35,000 bond — the NRS 649.105 starting amount — runs $350. Your exact price appears at the application, before you pay.

What bond amount do I need?NRS 649.105 sets $35,000 for a new applicant. The Commissioner then determines the amount against your average monthly trust account balance: $40,000 from $100,000 in balances, $50,000 from $150,000, and $60,000 at $200,000 or more. Use the amount on your Division or NMLS notice.

Do I pay the bond amount?No. You pay the premium. The bond amount is the surety's maximum liability if a valid claim is made against the bond — not a deposit, and nobody holds your money.

Is there a credit check?If a credit screen runs on this bond, it is a soft pull only — never a hard inquiry, and it never affects your score. The rate stays 1% of the bond amount either way.

Where do I file it?With the Nevada Division of Financial Institutions. Collection agency licensing runs through NMLS, so the executed bond is uploaded to your record there; wet-ink originals are mailed on request.

Related bonds

Other Nevada bonds.

Get your Nevada collection agency bond today.

1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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Your premiumfrom $100

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