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Texas debt management services bonds.
From $100.
A Texas debt management services provider files this bond with the Office of Consumer Credit Commissioner under Finance Code §394.206: $50,000 if it holds no consumer money, or its trust-account balance if it does, $25,000 to $100,000 for a new applicant. The premium is 1% of the bond amount, $100 minimum.
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Three steps. One sitting.
The bond goes in with your ALECS registration or renewal at the OCCC. Here is the entire process:
Apply online
Business details, years in business, the bond amount your registration requires, and an effective date. One soft credit pull, never a hard inquiry, and it never affects your score.
Pay & e-sign
Your price is 1% of the bond amount, $100 minimum, so the bond issues the moment you pay — the executed bond and power of attorney generate on the spot.
File with the OCCC
Submit the executed bond with your initial or renewal registration application to the Office of Consumer Credit Commissioner. Wet-ink original mailed on request.
What it is and who needs it.
What the debt management bond covers
Texas regulates debt management and debt settlement providers under Finance Code Chapter 394, Subchapter C, administered by the Office of Consumer Credit Commissioner. A provider must register with the OCCC, and Section 394.206 requires a surety bond — or an approved insurance policy — filed with the commissioner alongside the initial and each renewal registration application.
The amount turns on whether you touch client money. A provider that does not receive and hold consumer money for disbursement to creditors posts $50,000. A provider that does posts an amount equal to the average daily balance of its Texas trust account over the preceding six months; for a new applicant, the commissioner sets an amount between $25,000 and $100,000.
The bond runs in favor of the State of Texas, for the use of the state and of any person with a cause of action against the provider under the subchapter, and it runs concurrently with your registration period. 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 term is set on the carrier’s application; the premium covers the period shown there.
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 with the OCCC. Submit the executed bond with your initial or renewal registration application to the Office of Consumer Credit Commissioner. 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.
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, years in business, the bond amount, and an effective date.
Start the application →Common questions.
Other Texas bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Register with the OCCC today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.