Who requires it
Nebraska Secretary of State — Credit services organizations
License & permit · Nebraska
Nebraska Credit Services Organization Bond
A credit services organization conducting business in Nebraska must obtain a one-hundred-thousand-dollar surety bond or establish a one-hundred-thousand-dollar surety account under Neb. Rev. Stat. §45-805. The instrument runs in favor of the state and any person damaged by a Credit Services Organization Act violation. Bond copies—or surety-account depository notices—file with the Secretary of State as part of CSO registration.
Common bond amount
$100,000
Fixed amount; surety bond or surety account (Neb. Rev. Stat. § 45-805).
How you file
Surety bond, or federally insured Nebraska surety account, filed with the Secretary of State
Renewal
Maintain until two years after ceasing Nebraska operations
Who requires it
Credit services organizations offering credit-repair, credit-extension, or related credit services in Nebraska that must register with the Secretary of State under the Credit Services Organization Act.
How much is required
Section 45-805(1) fixes the bond or account at one hundred thousand dollars. A bond must be issued by a surety authorized in Nebraska. A surety account must be held at a federally insured Nebraska bank or savings and loan with notification of the depository, trustee, and account number filed with the Secretary of State.
How to get and file it
Have an authorized surety complete the Secretary of State’s Credit Services Organization Bond form for $100,000, or open a qualifying surety account and file the required depository notice. Submit the bond copy or account proof with the CSO registration and $100 initial fee. Maintain the bond or account until two years after the organization ceases Nebraska operations. Do not withdraw surety-account funds without the Secretary of State statement contemplated by §45-805(5).
Cost note
One hundred thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Required amount
- $100,000
- Bond path
- Surety authorized in Nebraska; copy filed with Secretary of State
- Account path
- Federally insured Nebraska bank or savings and loan; depository notice filed with Secretary of State
- Tail
- Maintain until two years after ceasing Nebraska operations
Official sources
Related resources
Frequently asked questions
Is the Nebraska CSO bond the same as the collection-agency bond?
No. Collection agencies use solicitor-count amounts under §45-608. Credit services organizations use a separate $100,000 bond or surety account under §45-805.
Can damaged consumers sue on the Nebraska CSO bond?
Yes. Section 45-805(4) allows a person claiming a Credit Services Organization Act violation to sue the organization and the surety or trustee, subject to the $100,000 limit.
Related Nebraska bond guides
Collection Agency Bond
$5,000 / $10,000 / $15,000
Nebraska collection agencies must furnish a surety bond before the Collection Agency Licensing Board issues a license under Neb. Rev. Stat. §45-608. The amount depends on how many licensed solicitors the agency employs: five thousand dollars for fewer than five solicitors, ten thousand dollars for five to fifteen, and fifteen thousand dollars for sixteen or more. The bond is payable to and approved by the board, filed in the office of the Secretary of State, and conditioned on accounting to clients within forty-five days after each calendar month.
Mortgage Banker Bond
$100,000–$200,000
Nebraska mortgage banker applicants and registrants must file a one-hundred-thousand-dollar bond with the Department of Banking and Finance. After the mortgage report of condition, Neb. Rev. Stat. §45-724 requires the licensee to maintain or increase the amount to one hundred thousand, one hundred twenty-five thousand, one hundred fifty thousand, or two hundred thousand dollars based on the prior calendar year’s closed or serviced Nebraska residential mortgage loan volume. The company bond also covers mortgage loan originators who are employees or independent agents of the applicant.
Notary Public Bond
$15,000
A Nebraska general notary commission does not authorize statewide notarial acts until a fifteen-thousand-dollar bond with an incorporated surety company has been executed, approved by, and filed in the office of the Secretary of State. Neb. Rev. Stat. §64-102 conditions the bond on faithful performance of the office and requires the appointee’s oath or affirmation to be endorsed on the bond.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
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Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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