Who requires it
Nebraska Department of Banking and Finance — Money transmission
License & permit · Nebraska
Nebraska Money Transmitter Bond
Nebraska money-transmission applicants and licensees must maintain a surety bond satisfactory to the director under Neb. Rev. Stat. §8-2731. The amount is the greater of one hundred thousand dollars or one hundred percent of the licensee’s average daily Nebraska money-transmission liability for the most recently completed three-month period, up to five hundred thousand dollars. The section became operative October 1, 2025.
Common bond amount
$100,000–$500,000
Greater of $100,000 or 100% of average daily NE liability (3-month window), max $500,000 (Neb. Rev. Stat. § 8-2731).
How you file
File through NMLS; surety bond in a form the director accepts
Renewal
Maintain while licensed; recalculate liability-based face unless at $500,000 maximum
Who requires it
Applicants for and holders of Nebraska money-transmission licenses administered by the Department of Banking and Finance through NMLS.
How much is required
Subsection (2) requires the greater of $100,000 or 100% of average daily Nebraska money-transmission liability calculated for the most recently completed three-month period, capped at $500,000. A licensee that maintains the maximum amount need not recalculate average daily liability for that subsection. Cancellation may occur only after thirty days’ written notice to the director and does not erase liability already accrued.
How to get and file it
Compute average daily Nebraska liability for the latest three-month window unless you already post the $500,000 maximum. Have an authorized surety issue a bond in a form satisfactory to the director, then file the electronic surety bond through NMLS with the money-transmission license package. Keep the bond in force at all times while licensed. Recalculate when Nebraska liability grows toward a higher amount unless you already maintain the statutory maximum. Claimants may sue directly on the bond; the director may also bring suit on their behalf.
Cost note
One hundred thousand to five hundred thousand dollars is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Standard formula
- Greater of $100,000 or 100% of average daily Nebraska transmission liability
- Ceiling
- $500,000
- Maximum-amount shortcut
- Licensees at $500,000 need not recalculate average daily liability for sizing
- Cancellation
- Thirty days’ written notice to the director
Official sources
Frequently asked questions
When did Nebraska’s current money-transmitter bond formula take effect?
Neb. Rev. Stat. §8-2731 lists an operative date of October 1, 2025 (Laws 2025, LB474). Use that liability-based schedule—not older chapter text—when sizing coverage.
Do I recalculate the Nebraska money-transmitter bond every quarter?
The statute measures average daily Nebraska liability over the most recently completed three-month period. Licensees at the $500,000 maximum are not required to perform that calculation for subsection (2).
Related Nebraska bond guides
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.
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.
Credit Services Organization Bond
$100,000
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.
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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