WY consumer lender bonds.
From $100. Enter your amount.

The surety bond a Wyoming consumer lender licensee files 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, so you enter what your license record requires. The premium is 1% of the bond amount, $100 minimum, it issues the moment you pay, and any credit screen is a soft pull only, never a hard inquiry.

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Filed with the Wyoming Division of Banking as administrator of the Uniform Consumer Credit Code

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Amount set by the administrator — enter the penal sum your license record requires

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1% of the bond amount, $100 minimum — exact price at the application, issued the moment you pay

1% rate$100 minimumInstantissuance at checkoutSoft pullnever a hard inquiry

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How it works

Apply to filed in one sitting.

No quote round-trip — enter your amount, pay, and attach the executed bond to your NMLS filing. Here is the whole thing:

NOW · ONLINE

Apply online

Business details, the bond amount your license requires, an effective date, and a term. That is the entire application — any credit screen is a soft pull that never shows as a hard inquiry.

INSTANTLY

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.

SAME DAY

File through NMLS

Attach the executed bond to your NMLS company record for the Wyoming Division of Banking. Wet-ink original mailed on request.

About this bond

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.

W.S. 40-14-637 (Wyoming UCCC)The Wyoming Uniform Consumer Credit Code (W.S. 40-14-101 et seq.) is administered by the state banking commissioner, and the Division of Banking takes consumer lender license applications through NMLS. W.S. 40-14-637(a) provides that where a bond is required of a licensed organization under the Code it is maintained to the state of Wyoming and the amount is established by rule of the administrator based on the volume of activity transacted; subsection (c) forfeits the bond to the state for the benefit of a person damaged by a violation, and subsection (d) keeps it effective until released in writing, otherwise expiring two years after the license is surrendered, revoked, or expires. Confirm the penal sum your license record requires with the Division of Banking before you buy.

You need this bond if you're

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Applying for a Wyoming consumer lender license — applications are filed through NMLS with the Division of Banking

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Renewing your license — the bond has to stay continuously on file

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Opening another lending location — a license is required for each place where the business is regularly conducted

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Replacing a bond after a surety non-renewal or a change in the amount required

One application, issued instantly.

These are the actual issuing fields — business details, the bond amount, an effective date, and a term.

Start the application →

FAQ

Common questions.

How much is the Wyoming consumer lender bond?The premium is 1% of the bond amount, $100 minimum. Enter the penal sum your license requires and your exact price appears at the application, before you pay.

What bond amount do I need?The Division of Banking sets it as administrator of the Uniform Consumer Credit Code — your NMLS license record and the Division’s licensing correspondence state the penal sum currently required. Enter that number and the price follows it.

What counts as a consumer loan in Wyoming?Under W.S. 40-14-304(a), a loan by a person regularly in the lending business where the debtor is an individual, the debt is for personal, family, or household purposes, it is payable in installments or carries a loan finance charge, and the principal does not exceed $75,000.

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% of the bond amount, $100 minimum.

Where do I file it?With the Wyoming Division of Banking. New consumer lender license applications are filed through the NMLS website, and we issue the executed bond ready to upload there or attach as a scanned original.

Related bonds

Other Wyoming bonds.

Consumer lender bond, filed today.

1% of the bond amount, $100 minimum, issued the moment you pay. Free until issued.

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