Who requires it
New Hampshire Banking Department — Consumer Credit Division
License & permit · New Hampshire
New Hampshire Debt Adjuster Bond
Debt adjusters licensed under RSA chapter 399-D must post a $25,000 bond with the Banking Department. Licensing runs through NMLS. The surety must give 30 days’ written notice before canceling. If a claim is filed, file a replacement right away. Separately, RSA 399-G:3 lets some debt adjusters skip a money-transmitter license when they transmit funds only under a debt-adjustment contract and keep a $100,000 chapter 399-D bond on file—that higher amount is an exemption condition, not the ordinary licensing minimum.
Common bond amount
$25,000
Standard licensing amount under RSA 399-D:4; $100,000 when relying on the RSA 399-G:3 money-transmitter exemption for debt-adjustment transmissions.
How you file
File through NMLS; keep the bond active while licensed
Renewal
Keep coverage in place while licensed; 30-day cancellation notice
Who requires it
Applicants for and holders of New Hampshire debt adjuster licenses under RSA 399-D, including firms offering debt-management, debt-settlement, or debt-repayment plans as defined in that chapter.
How much is required
RSA 399-D:4 sets the licensing surety at twenty-five thousand dollars. If you also transmit money solely to deliver contracted debt-adjustment services and rely on the RSA 399-G:3 money-transmitter exemption, that exemption instead requires a one-hundred-thousand-dollar surety under chapter 399-D.
How to get and file it
File the debt-adjuster application through NMLS, then have an authorized surety issue a bond for the required amount in the exact legal name on the company filing. Keep the bond active while licensed. The surety must give 30 days’ written notice before canceling. If a claim is filed or paid, file a replacement right away—RSA 399-D:4 can suspend the license if you do not replace coverage after a paid claim.
Cost note
The statutory amount is the required bond amount, not the premium you pay. See bond amount vs premium. Bond amount vs premium →
Requirement checklist
- Standard licensing bond
- $25,000 (RSA 399-D:4)
- Money-transmitter exemption path
- $100,000 chapter 399-D surety when transmitting solely for contracted debt adjustment (RSA 399-G:3, VI)
- Filing channel
- NMLS company application
Official sources
Related resources
Frequently asked questions
Is a debt adjuster the same as a collection agency in New Hampshire?
No. Debt adjusters license under RSA 399-D with the Banking Department and post the surety described here. New Hampshire does not publish a parallel statewide third-party collection-agency license bond in this hub.
When is the $100,000 debt-adjuster bond required?
The ordinary RSA 399-D:4 licensing amount is $25,000. The $100,000 figure appears in RSA 399-G:3 as a condition for a debt adjuster that transmits money only to perform contracted debt-adjustment services and wants the money-transmitter license exemption.
Related New Hampshire bond guides
Credit Services Organization Bond
$5,000–$25,000
Credit services organizations that want to collect money before finishing the promised services must first post a surety bond or open a trust account under RSA 359-D:3 and :8. The amount equals five percent of the fees charged buyers under contracts during the previous twelve months, but never less than five thousand dollars or more than twenty-five thousand dollars. A bond copy—or trust-account depository, trustee, and account-number notice—files with the Secretary of State. The amount resets once a year no later than the tenth day of the organization’s first fiscal-year month.
Money Transmitter Bond
$100,000–$500,000
Money transmission licensees under RSA chapter 399-G must keep a bond—or an approved deposit—on file with the Banking Department. RSA 399-G:27 sets the amount at the greater of $100,000 or 100% of average daily New Hampshire money-transmission liability for the most recent three-month period, up to $500,000. A deposit the commissioner approves may replace the bond. If you already keep the $500,000 maximum, you do not have to recalculate the amount each quarter. The bond protects people harmed by chapter violations. The surety must give 30 days’ notice before canceling.
Small Loan Lender Bond
$25,000
Companies that lend under New Hampshire’s small-loan, payday-loan, and title-loan rules must keep a $25,000 bond on file with the Banking Department. RSA 399-A:4 protects people harmed by chapter violations. Applications and renewals run through NMLS. The surety must give 30 days’ written notice before canceling. If a claim is filed, file a replacement right away.
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 2026-08-12. This guide is based on verified educational content and official sources.
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