Who requires it
Office of the State Bank Commissioner — Credit services organizations
License & permit · Kansas
Kansas Credit Services Organization Bond
Kansas credit services organizations that provide fee-based debt-management or related credit services must file a twenty-five-thousand-dollar surety with the Office of the State Bank Commissioner. K.S.A. 50-1119 conditions the bond on faithful performance of licensee duties and makes it available for OSBC expenses, fines, and fees as well as consumer losses the commissioner attributes to statutory violations.
Common bond amount
$25,000
Statutory $25,000; commissioner may increase to $1,000,000 by rule (K.S.A. 50-1119).
How you file
File with the Office of the State Bank Commissioner through NMLS
Renewal
Maintain while licensed plus statutory two-year post-license period; 30-day cancellation notice
Who requires it
Applicants for and holders of Kansas credit services organization licenses under K.S.A. 50-1116 et seq., including firms that engage in or hold out as willing to engage in debt-management services for a fee.
How much is required
Section 50-1119(e) sets the bond at twenty-five thousand dollars and authorizes an increase up to one million dollars as further defined by commissioner rules. The bond must be issued by a surety or insurer authorized in Kansas, filed with OSBC, and may not terminate without thirty days’ prior written notice. Coverage continues for two years after surrender, revocation, or expiration of the license, and claims can be filed for two years after the act or omission that creates a claim.
How to get and file it
Have an authorized surety issue a $25,000 Kansas CSO bond filed with OSBC in a form the commissioner accepts. File it with the NMLS credit services organization application or renewal package and keep it in force for the statutory post-license window. Maintain continuous coverage while licensed and through the two-year post-license period the statute requires. Replace the bond before any surety cancellation becomes effective after the thirty-day notice window.
Cost note
Twenty-five thousand dollars (or a higher commissioner-ordered amount) is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $25,000 (unless commissioner orders higher, up to $1,000,000)
- Who requires it
- Office of the State Bank Commissioner
- Cancellation
- At least 30 days’ prior written notice to the commissioner
- After the license ends
- Bond remains in place two years after license surrender, revocation, or expiration
Official sources
Related resources
Frequently asked questions
Is the Kansas CSO bond the same as a collection-agency bond?
No. Kansas does not publish a statewide third-party collection-agency license bond. The $25,000 instrument under §50-1119 belongs to licensed credit services organizations engaged in fee-based debt-management or related credit services under the CSO Act.
Can OSBC raise my Kansas CSO bond above $25,000?
Yes. Section 50-1119(e) allows the amount to be increased up to $1,000,000 as further defined by rules and regulations adopted by the commissioner.
Related Kansas bond guides
Mortgage Company Bond
$50,000–$125,000
Kansas mortgage company applicants and licensees under the Kansas Mortgage Business Act must file a surety bond the Office of the State Bank Commissioner accepts. K.S.A. 9-2211 frames the requirement as a bond of not less than one hundred thousand dollars in an amount the commissioner sets by rule. The currently published K.A.R. 17-24-6 schedule sizes the amount by whether the company maintains a bona fide Kansas office and by prior-calendar-year Kansas mortgage origination volume.
Money Transmitter Bond
$200,000–$1,000,000
Kansas money-transmission applicants and licensees must keep a surety bond satisfactory to the commissioner—or an approved deposit in place of a bond—under the Kansas Money Transmission Act. K.S.A. 9-587, effective January 1, 2025, generally sets the amount at the greater of two hundred thousand dollars or one hundred percent of the licensee’s average daily Kansas money-transmission liability for the most recently completed three-month period, capped at one million dollars.
Notary Public Bond
$12,000
Every Kansas notary public appointed on or after January 1, 2022, must keep a twelve-thousand-dollar surety bond for the four-year commission term. The Secretary of State’s appointment process requires the surety to complete section C of Form NO or Form NO-S; a standalone bond certificate alone does not satisfy that filing instruction.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Kansas application
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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