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

An agency that is not licensed in Nevada can apply to the Commissioner of Financial Institutions for a certificate of registration as a foreign collection agency under NRS 649.171 — and it must deposit and maintain a bond, or an approved substitute, in the same manner as a licensee under NRS 649.105, 649.115 and 649.119. That baseline is $35,000, stepped by average monthly trust balance. The premium is 1% of the bond amount, $100 minimum, 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 for a Nevada foreign collection agency certificate under NRS 649.171

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Bonded in the same manner as a licensee — the NRS 649.105 schedule, from $35,000

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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.

The foreign collection agency bond is amount-based, so there is no quote round-trip. Here is the entire process:

NOW · ONLINE

Apply online

Business details, the bond amount on your registration 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 foreign 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 foreign collection agency bond guarantees

Nevada does not make every out-of-state collector take a full license. NRS 649.171 lets a person who is not licensed in Nevada as a collection agency apply to the Commissioner of Financial Institutions for a certificate of registration as a foreign collection agency, with an application fee of $500 and limits on the business practices the certificate allows.

The bonding requirement is not lighter. A registrant must deposit and maintain a bond, or an appropriate substitute, in the same manner as an applicant or licensee under NRS 649.105, 649.115 and 649.119 — the same $35,000 baseline running to the State of Nevada, stepped by the Commissioner against average monthly trust account balance.

The bond is conditioned on paying collection proceeds over to customers as agreed and complying with Chapter 649, and the Commissioner can take disciplinary action against a certificate holder under NRS 649.385, 649.390 and 649.395. It is not insurance for you: if the surety pays a claim, you repay the surety.

NRS 649.171 (with NRS 649.105)Section 649.171 of the Nevada Revised Statutes allows a person who is not licensed in Nevada as a collection agency to apply to the Commissioner of Financial Institutions for a certificate of registration as a foreign collection agency. The applicant must deposit and maintain a bond, or an appropriate substitute for the bond, in the same manner as an applicant or licensee pursuant to NRS 649.105, 649.115 and 649.119 — a bond in the sum of $35,000 running to the State of Nevada, with the Commissioner determining the appropriate amount against average monthly trust account balances. Confirm your required amount on your Division or NMLS notice.

You need this bond if you're

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An out-of-state collection agency registering under NRS 649.171 rather than taking a Nevada license

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Collecting Nevada consumer debts from an office outside the State

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Renewing a certificate of registration — the bond stays continuously on deposit

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

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

How is this different from the collection agency bond?The certificate is different, the bond is the same. NRS 649.171 registers an unlicensed out-of-state agency and requires it to bond in the same manner as a licensee under NRS 649.105, 649.115 and 649.119.

What amount will the Commissioner require?The NRS 649.105 schedule applies: $35,000 to start, stepped 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.

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 registration 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.

Register your out-of-state agency in Nevada 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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