Wyoming consumer lender bonds.
From $100.
Looking for the Wyoming mortgage lender bond?
A Wyoming consumer lender licensee files this surety bond with the Division of Banking, which administers the Wyoming Uniform Consumer Credit Code and takes all consumer lender license applications through NMLS. The Division sets the amount. The premium is 1% of the bond amount, $100 minimum.
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How much does a Wyoming consumer lender bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No quote round-trip — enter your amount, pay, and attach the executed bond to your NMLS filing. Here is the whole thing:
Apply online
Business details, the bond amount your license requires, an effective date, and a term. That is the application. No credit check up to $25,000.
Pay & e-sign
The premium is 1% of the bond amount, $100 minimum, priced at checkout — so the bond issues the moment you pay and your power of attorney generates on the spot.
File through NMLS
Attach the executed bond to your NMLS company record for the Wyoming Division of Banking. Wet-ink original mailed on request.
What it is and who needs it.
What the consumer lender bond covers
Wyoming regulates consumer credit under the Uniform Consumer Credit Code (W.S. 40-14-101 et seq.), administered by the state banking commissioner as administrator through the Division of Banking. A consumer lender license is required for each location where the business of originating consumer loans is regularly conducted, and the Division takes all new license applications through NMLS.
A consumer loan under W.S. 40-14-304(a) is a loan by a person regularly engaged in the lending business where the debtor is an individual rather than an organization, the debt is incurred primarily for personal, family, or household purposes, the debt is payable in installments or carries a loan finance charge, and the principal does not exceed $75,000. Loans primarily secured by a first mortgage on land sit outside that definition and fall under the mortgage licensing statutes instead.
Where the Code requires a bond of a licensed organization, it runs to the state of Wyoming and is forfeited and paid to the state for the benefit of a person damaged by a violation, up to the face amount, with the amount established by rule of the administrator. It is not insurance for you — if the surety pays, you repay the surety. Enter the penal sum your license record shows and we issue that amount.
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 premium covers a one-year term from the effective date you choose.
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. Attach the executed bond to your NMLS company record for the Wyoming Division of Banking. 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.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which 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, the bond amount, an effective date, and a term.
Start the application →Common questions.
Other Wyoming bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Consumer lender bond, filed today.
1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.