Money transmission has been licensed under the Oklahoma Financial Transaction Reporting Act at 6 O.S. §§ 1511–1515, with the sale of checks under 6 O.S. § 2101 et seq. and the Department's rules at OAC Title 85, Chapter 15. The security scales with the activity: a transmitter alone posts $50,000 plus $10,000 per authorized-delegate location, capped at $500,000; a licensee providing money transmission primarily through electronic means posts $200,000; a sale-of-checks-only licensee posts on a location ladder ($100,000 at 1–15 locations, $250,000 at 16–500, $1,000,000 at 501–800, $1,500,000 above 800); and a licensee doing BOTH money transmission and sale of checks posts $500,000 — the instrument on this page. Note a change already on the books: HB 3521 (2026) creates the Oklahoma Money Transmission Modernization Act, repeals 6 O.S. §§ 1511–1515, and takes effect November 1, 2026. Its security section requires no less than $500,000 from licensees operating digital asset kiosks or providing digital-asset services; every other licensee posts the greater of $200,000 or 100% of average daily money transmission liability in Oklahoma over the most recently completed three-month period, capped at $500,000, dropping to $200,000 where tangible net worth exceeds 10% of total assets — and the Commissioner may raise any licensee to $1,000,000 on financial condition. Confirm the figure your own licence file calls for with the Banking Department before you file.

What the money services bond guarantees

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Your executed money transmission and sale of checks bond issues the moment you pay and arrives by email, ready to file with the Oklahoma State Banking Department.

OK Money Transmission and Sale of Checks Bond: $5,000 flat for the $500,000 combined bond filed with the Oklahoma State Banking Department. Issued instantly.

Money Transmission and Sale of Checks Bond ($500,000)

Oklahoma - Money Transmission and Sale of Checks ($500,000)

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