Who requires it
New Hampshire Banking Department — Consumer Credit Division
License & permit · New Hampshire
New Hampshire Small Loan, Payday & Title Loan Lender Bond
Companies that lend under New Hampshire’s small-loan, payday-loan, and title-loan framework must keep a continuous twenty-five-thousand-dollar surety on file with the bank commissioner. RSA 399-A:4 places that instrument in favor of the state and the commissioner for anyone damaged by a chapter violation and conditions it on compliance with chapter 399-A. Applications and renewals run through NMLS. The surety must give thirty days’ written notice before cancellation, and a suit on the bond requires an immediate replacement filing.
Common bond amount
$25,000
Fixed continuous face under RSA 399-A:4 for small loan, payday, and title loan licenses.
How you file
File through NMLS; stays in force while licensed
Renewal
Continuous while licensed; 30-day cancellation notice
Who requires it
Applicants for and holders of New Hampshire small loan lender licenses under RSA 399-A—including payday and title-loan activity within that chapter—filing through NMLS with the Banking Department.
How much is required
RSA 399-A:4 fixes the continuous surety at twenty-five thousand dollars. The statute does not publish a volume ladder for this instrument.
How to get and file it
Complete the NMLS company application for the RSA 399-A license, then have an authorized surety issue a continuous $25,000 bond payable to the state of New Hampshire and the bank commissioner in the exact legal name on the filing. RSA 399-A:4 expects the twenty-five-thousand-dollar surety to remain outstanding for every day the small-loan license is active. Cancellation or termination is effective only after the surety’s thirty-day written notice reaches the commissioner, and any lawsuit or recovery against the bond must be followed at once by a replacement filing.
Cost note
Twenty-five 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
- $25,000 continuous surety
- License path
- NMLS filing under RSA 399-A
- Net worth
- Positive net worth required at all times under RSA 399-A:4
Official sources
Related resources
Frequently asked questions
Is the payday or title-loan bond different from the small-loan bond?
RSA 399-A:4 states one continuous $25,000 surety for applicants under the chapter that regulates small loans, title loans, and payday loans. Confirm with the Banking Department how dual product lines are shown on your NMLS record.
Is this the same as the mortgage banker bond?
No. Mortgage banker, broker, and servicer sureties sit under RSA 397-A with different minimum faces. Chapter 399-A is a separate small-loan licensing path.
Related New Hampshire bond guides
Mortgage Banker / Broker / Servicer Bond
$50,000 / $100,000 minimums
Nondepository mortgage bankers, brokers, and servicers licensed under RSA chapter 397-A must post a bond that stays in force while licensed, filed with the bank commissioner as part of the NMLS application package. RSA 397-A:5 sets the statutory floor at fifty thousand dollars for mortgage brokers and one hundred thousand dollars for mortgage bankers and mortgage servicers. Those amounts increase under conditions the commissioner sets by rule, and the statute requires coverage that reflects the dollar amount of loans originated by each mortgage loan originator the company employs or retains. Sureties must give thirty days’ written notice before cancellation or termination, and a claim on the bond triggers an immediate replacement filing.
Debt Adjuster Bond
$25,000
Debt adjusters licensed under RSA chapter 399-D must post a $25,000 surety to the state of New Hampshire and the bank commissioner. RSA 399-D:4 conditions the bond on compliance with the chapter and opens it to persons damaged by violations. Licensing runs through NMLS. Cancellation requires thirty days’ written notice to the commissioner, and commencing an action on the bond obligates the licensee to file a replacement immediately. Separately, RSA 399-G:3 excuses certain debt adjusters from money-transmitter licensing when they transmit funds only under a debt-adjustment contract and keep a $100,000 chapter 399-D surety on file—that higher amount is an exemption condition, not the ordinary licensing minimum.
Money Transmitter Bond
$100,000–$500,000
Money transmission licensees under RSA chapter 399-G must maintain a bond or approved deposit satisfactory to the bank commissioner. RSA 399-G:27 sizes that coverage at the greater of one hundred thousand dollars or one hundred percent of the licensee’s average daily money-transmission liability in New Hampshire for the most recently completed three-month period, up to a five-hundred-thousand-dollar maximum. A commissioner-approved deposit may replace the surety. Holding the maximum amount removes the quarterly liability calculation used for sizing. The bond runs to the state of New Hampshire and the bank commissioner for persons damaged by chapter violations, with thirty days’ advance cancellation notice.
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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