Nevada collection agency bonds.
From $350.
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.
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How much does a Nevada collection agency bond cost?
1% of the bond amount, from $350 at the $35,000 minimum. Enter your amount in the calculator for the exact price.
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:
Apply online
Business details, the bond amount on your Division or NMLS notice, an effective date, and a term. No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Pay & e-sign
Your exact premium — 1% of the bond amount — is shown before you pay, and the executed bond and power of attorney generate the moment you pay.
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.
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.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
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.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $250,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, the bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Nevada bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Get your Nevada collection agency bond today.
1% of the bond amount, issued the moment you pay. Free until issued.