NC investment adviser bonds.
1.5% of the bond amount.

North Carolina registers investment advisers through the Secretary of State's Securities Division under Chapter 78C. An adviser with custody of, or discretionary authority over, client funds or securities must be bonded in an amount of not less than $35,000 under 18 NCAC 06A .1705 — unless it instead meets the minimum net worth in Rule .1704. The premium is 1.5% 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 of advisers with custody or discretionary authority under 18 NCAC 06A .1705

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Not less than $35,000 — or meet the Rule .1704 minimum net worth instead

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1.5% of the bond amount, $100 minimum — exact price at the application

1.5% rate$100 minimumInstantissuance at checkoutExactprice at the application

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How it works

Apply to filed in one sitting.

Pricing on this bond is amount-based, not underwriting-based, so there is no quote round-trip. Here is the whole thing:

NOW · ONLINE

Apply online

Your firm details, the bond amount, an effective date, and a term. That is the entire application, and any credit screen is a soft pull that never shows as a hard inquiry.

INSTANTLY

Pay & e-sign

The premium is 1.5% of the bond amount, $100 minimum — a rate, not an underwriting decision — so the bond issues the moment you pay, power of attorney attached.

SAME DAY

Send the original to the Securities Division

The Division wants the original bond on the form it publishes. Your e-signed copy arrives by email and the wet-ink original is mailed on request.

About this bond

What it is and who needs it.

What the adviser bond covers

North Carolina's Investment Advisers Act is Chapter 78C of the General Statutes, administered by the Secretary of State's Securities Division. Under the Division's rule 18 NCAC 06A .1705, every investment adviser having custody of or discretionary authority over client funds or securities must be bonded in an amount of not less than $35,000 by a bonding company qualified to do business in this State — or may instead deposit cash or securities in that amount.

The bond is not the only path. Rule .1704 sets minimum net worth requirements — $35,000 for an adviser with custody, $10,000 for one with discretionary authority but no custody — and .1705 does not apply to an applicant or registrant that complies with .1704. There is also relief for advisers whose principal place of business is outside North Carolina and who are registered and bonded to their home state's satisfaction.

It is not insurance for you — the bond answers to clients and the State for violations of Chapter 78C and the Secretary's rules, and if the surety pays a claim, you repay the surety. The registration has to stay bonded for as long as you hold custody or discretion, so we track the term and send renewal notices 60 and 30 days out.

18 NCAC 06A .1705 (authority: G.S. 78C-17(d))Rule .1705 of the North Carolina Securities Division provides that every investment adviser having custody of or discretionary authority over client funds or securities shall be bonded in an amount of not less than $35,000 by a bonding company qualified to do business in this State, or may in lieu of the bond provide evidence of a deposit of cash or securities in that amount. The rule does not apply to applicants or registrants who comply with Rule .1704's minimum net worth requirements, and it carries an exemption for advisers whose principal place of business is in another state where they are registered and meet that state's bonding requirement. Statutory authority is cited as G.S. 78C-17(d), 78C-18(b), 78C-18(c) and 78C-30(a).

You need this bond if you're

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Registering as an NC investment adviser with custody of client funds or securities

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Exercising discretionary authority over client accounts without meeting Rule .1704 net worth

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Below the minimum net worth in 18 NCAC 06A .1704 and posting a bond instead

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Renewing a registration whose bond is coming up on its expiry date

One application, issued instantly.

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

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FAQ

Common questions.

How much is the North Carolina investment adviser bond?The premium is 1.5% of the bond amount, $100 minimum. At the $35,000 rule floor that is $525; at $50,000 it is $750. Your exact price appears at the application, before you pay.

What bond amount do I enter?18 NCAC 06A .1705 sets a floor of not less than $35,000 for an adviser with custody of or discretionary authority over client funds or securities. Enter $35,000 unless the Securities Division has told you to post more.

Can I avoid the bond?Yes, in two situations. An adviser that complies with the minimum net worth requirements of Rule .1704 is outside .1705, and an adviser whose principal place of business is in another state may rely on that state's registration and bonding requirement.

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 1.5% of the bond amount either way.

Who requires the bond, and where do I file it?The North Carolina Secretary of State's Securities Division, under Chapter 78C and 18 NCAC 06A .1705. The Division asks for the original bond on the form it publishes; we mail the wet-ink original on request.

Related bonds

Other North Carolina bonds.

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1.5% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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