Oregon debt management bonds.
$250 flat.
Oregon requires a debt management service provider to register with the Department of Consumer and Business Services, and ORS 697.642 makes a corporate surety bond payable to the director part of that registration. The Division of Financial Regulation sets the bond at $25,000. Ours is $250 flat.
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How much does an Oregon debt management bond cost?
$250 at the $25,000 amount, the same for every applicant.
Three steps. One sitting.
Registration bonds are among the simplest filings in surety. Here is the entire process:
Apply online
Business details, owner details, an effective date, and a term. That is the application — the credit consent on the form authorizes a soft inquiry that never affects your score.
Pay & e-sign
This bond is checkout-priced at $250 flat, so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond arrives by email, ready to attach to your debt management service provider registration. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Oregon regulates debt management service providers under ORS 697.602 to 697.842. A provider registers with the Director of the Department of Consumer and Business Services through the Division of Financial Regulation, and ORS 697.632 lists the corporate surety bond filed under ORS 697.642 among the documents that accompany the application.
The bond is payable to the director. ORS 697.642 sets a statutory floor of $10,000 or an amount the director specifies by rule; the Division writes Oregon registrations at $25,000. It is conditioned so the surety or the provider pays all amounts due for a violation of the duties the statutes impose — written agreements, budget analysis, trust accounts, fee limits, records, and the list of prohibited practices.
It is not insurance for you — if the surety pays a claim, you repay the surety. The surety must give the director at least 30 days' written notice before cancelling, and if the bond lapses or drops below the required amount the provider has to file a replacement immediately or surrender the registration and stop doing business. 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 $25,000 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; a longer term is the same price per year, chosen at checkout.
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. Your executed bond arrives by email, ready to attach to your debt management service provider registration. Wet-ink original mailed on request.
What sets the price
The premium is fixed at $250 at the $25,000 amount for every applicant: the carrier’s rate book prices this bond by the form, not by your credit or your business profile.
One soft credit pull, never a hard inquiry, and it 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, owner details, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Oregon bonds.
Been told you need a different amount?
Price and requirements checked on the carrier’s application, . Page updated .
Finish your debt management registration today.
$250 flat, issued the moment you pay, soft pull only. Free until issued.