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Kansas · Surety Bond Resource Center

Kansas surety bonds

Kansas’s published statewide license bonds in this hub sit with the Department of Revenue’s Division of Vehicles, the Office of the State Bank Commissioner (OSBC), the Secretary of State, and the Commissioner of Insurance. New and used vehicle dealers post a fifty-thousand-dollar surety bond under K.S.A. 8-2404 (or an equivalent State Treasurer deposit). Mortgage companies licensed under the Kansas Mortgage Business Act size bonds under K.A.R. 17-24-6 on a bona-fide-office and Kansas origination-volume schedule ranging from fifty thousand to one hundred twenty-five thousand dollars. Money transmitters under the Kansas Money Transmission Act keep at least two hundred thousand dollars—or one hundred percent of average daily Kansas liability up to one million dollars—under K.S.A. 9-587. Credit services organizations file a twenty-five-thousand-dollar OSBC bond under K.S.A. 50-1119. Notaries carry a twelve-thousand-dollar four-year bond under K.S.A. 53-5a22. Title insurance agents who handle escrow, settlement, or closing accounts file a one-hundred-thousand-dollar bond or letter of credit under K.S.A. 40-1139. Kansas does not impose a statewide general-contractor license bond, and third-party collection agencies have no statewide collection-agency bond license path.

Browse Kansas bonds
Surety bond certificate and license approval illustration

Kansas at a glance

New / used vehicle dealer
$50,000

K.S.A. 8-2404; cash/securities deposit alternative with State Treasurer.

Mortgage company (KMBA)
$50,000–$125,000

By bona fide Kansas office and prior-year KS origination volume (K.A.R. 17-24-6).

Money transmitter
$200,000–$1,000,000

Greater of $200,000 or 100% of average daily KS liability (K.S.A. 9-587).

Credit services organization
$25,000

Commissioner may raise to $1,000,000 (K.S.A. 50-1119).

Notary public
$12,000

Four-year term matching the commission (K.S.A. 53-5a22).

Title insurance agent (escrow)
$100,000

Bond or irrevocable letter of credit (K.S.A. 40-1139).

How it works in this state

How Kansas bonding is organized

How Kansas organizes these bonds

Vehicle-dealer bonds file with the Kansas Department of Revenue Division of Vehicles at a flat fifty thousand dollars for new and used dealers. Mortgage companies and money transmitters license through the Office of the State Bank Commissioner on NMLS, with mortgage amounts driven by office location and Kansas volume and money-transmission amounts driven by average daily Kansas liability. Credit services organizations—debt-management and related fee-based credit services—also bond to OSBC under a separate twenty-five-thousand-dollar statute. Notary bonds file with the Secretary of State’s four-year appointment paperwork. Title agents who handle escrow or closing funds file a one-hundred-thousand-dollar bond or letter of credit with the Commissioner of Insurance.

What this hub does not treat as statewide license bonds

Kansas has no statewide general-contractor license bond; city and county contractor bonds stay local. Third-party debt collection agencies do not have a statewide collection-agency license bond. Public adjuster bonding under K.S.A. 40-5511 is commissioner-discretionary without a fixed published amount, so no dedicated guide is published here. Nonresident contractor tax bonds for projects over ten thousand dollars, project bid/performance/payment bonds, and court bonds remain outside this commercial-core set.

Kansas bond directory

Find your bond requirement

These guides cover license and permit bonds with verified educational content. Your agency notice or application checklist is always the final authority.

Who sets the requirement?

Kansas licensing agencies

Each agency below sets its own bond requirement. Open the related guide for amounts and filing steps.

Kansas Department of Revenue — Division of Vehicles (Dealer Licensing)

Licenses vehicle dealers and receives the $50,000 K.S.A. 8-2404 surety or State Treasurer deposit.

Open related guide →

Office of the State Bank Commissioner — Mortgage companies

Licenses mortgage companies under the Kansas Mortgage Business Act and receives K.A.R. 17-24-6 sureties via NMLS.

Open related guide →

Office of the State Bank Commissioner — Money transmission

Licenses money transmitters under the Kansas Money Transmission Act and receives K.S.A. 9-587 security.

Open related guide →

Office of the State Bank Commissioner — Credit services organizations

Licenses CSOs under K.S.A. 50-1116 et seq. and receives the $25,000 §50-1119 surety.

Open related guide →

Kansas Secretary of State — Notary Public

Appoints notaries and receives the $12,000 four-year surety on Form NO / NO-S.

Open related guide →

Kansas Insurance Department — Title insurance agents

Licenses title agents and receives the $100,000 escrow bond or letter of credit under §40-1139.

Open related guide →

Before you apply

Confirm these details from the agency notice

Bring these five items when you request a bond. For the full checklist, see how to read a bond requirement.

  1. 1

    Confirm your KDOR dealer class before ordering a $50,000 bond

    New and used vehicle dealers use the statutory $50,000 amount. Manufacturers, distributors, factory branches, lending agencies, and manufactured home dealers follow different D17A exceptions—do not assume every Division of Vehicles license needs that bond.

  2. 2

    Size the mortgage company bond from office location and Kansas volume

    K.A.R. 17-24-6 steps from $50,000 to $125,000 depending on whether you maintain a bona fide Kansas office and whether prior-year Kansas mortgage originations exceeded $50 million. Recalculate before each renewal.

  3. 3

    Do not expect a statewide contractor license bond

    Kansas leaves ordinary contractor licensing and bonding to cities and counties. Confirm local requirements where you work; this hub does not publish a statewide contractors license bond.

Learn more about surety bonds

Universal surety concepts explained once—linked here instead of repeated on every state or bond page.

Frequently asked questions

Does Kansas require a statewide contractor license bond?

No. Kansas does not operate a statewide general-contractor license bond. Municipal and county programs set their own license and bond rules. Out-of-state contractors on larger projects may face a separate Department of Revenue nonresident-contractor tax bond that is outside this commercial-core hub.

Do Kansas collection agencies need a state surety bond?

Kansas does not issue a statewide third-party collection-agency license with a dedicated collection bond. Collectors remain subject to the Fair Debt Collection Practices Act and Kansas consumer-protection law. Fee-based debt-management and credit-services businesses license separately as credit services organizations and post the $25,000 OSBC bond under K.S.A. 50-1119.

Is the Kansas mortgage company bond always $100,000?

Not under the currently published K.A.R. 17-24-6 schedule. Companies with a bona fide Kansas office use $50,000 or $75,000 by prior-year Kansas volume; companies without that office use $100,000 or $125,000. K.S.A. 9-2211 sets a statutory floor and directs the commissioner to establish the operative amount by rule—confirm the amount OSBC expects on your NMLS filing before you order.

Start your Kansas bond application

Kansas will be preselected in the application. Choose the bond type on the next step—we verify the current agency form before anything is issued.

Start a bond application

Last verified 2026-08-11. Official sources are retained with this guide and checked before publication.

Agents Ready to Help

Need help matching a Kansas agency notice to the correct bond form? Our surety team can review the requirement with you.

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