Who requires it
Oklahoma Department of Consumer Credit
License & permit · Oklahoma
Oklahoma Credit Services Organization Bond
Oklahoma credit services organizations that help consumers improve credit records or obtain extensions of credit must file a ten-thousand-dollar surety bond with the Department of Consumer Credit when they apply for a license under the Credit Services Organizations Act.
Common bond amount
$10,000
Fixed DOCC amount required at CSO application under Title 24 O.S. §§ 131–148.
How you file
File the surety bond with the Department of Consumer Credit
Renewal
Maintain while licensed; annual license year begins January 1
Who requires it
Businesses that meet the Credit Services Organizations Act definition in Title 24 O.S. §§ 131–148 and seek a Department of Consumer Credit license. Ordinary third-party debt collectors without a statewide collection license are not this CSO instrument.
How much is required
The Department’s credit services organization licensing page states a fixed ten-thousand-dollar surety must be in place at the time of application. Confirm any location-specific filing instructions on the current application packet before ordering multiple bonds.
How to get and file it
Obtain a $10,000 surety acceptable to the Department of Consumer Credit in the exact legal name on the CSO application, then submit it with the notarized application, fees, and other prerequisites listed by the Department. Keep proof of the bond with the license file for examinations. The license runs one year beginning January 1. Maintain the surety while licensed and replace it before any cancellation so the Department’s records stay current for renewal and examination.
Cost note
Ten 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
- $10,000 surety at application
- Authority
- Credit Services Organizations Act, Title 24 O.S. §§ 131–148
- License term
- One year beginning January 1
Official sources
Related resources
Frequently asked questions
Is a collection agency the same as a credit services organization?
Not for this bond. The CSO license covers credit-repair and credit-extension assistance under Title 24. Oklahoma has no verified statewide collection-agency license surety of the type published in this Resource Center.
When must the bond be ready?
The Department lists the $10,000 surety as a prerequisite at the time of application—have it executed before submitting the licensing package.
Related Oklahoma bond guides
Mortgage Lender Bond
$100,000
Oklahoma mortgage lenders licensed under the Secure and Fair Enforcement for Mortgage Licensing Act must file a one-hundred-thousand-dollar surety bond payable to the Department of Consumer Credit. The amount does not scale with loan volume—every lender posts the same statutory figure as a condition of licensure.
Notary Public Bond
$10,000
Every Oklahoma notary public must file a ten-thousand-dollar bond with the Secretary of State before performing notarial acts. The bond covers the same four-year window as the commission and must be lodged with the oaths, official signature, and seal impression within sixty days after the commission issues.
Surety basics (not repeated here)
Universal surety concepts explained once—linked here instead of repeated on every state or bond page.
Continue with a Oklahoma application
Oklahoma will be preselected. Choose your bond type in the application—we confirm the correct product against your agency form before anything is issued.
Last verified 2026-08-11. This guide is based on verified educational content and official sources.
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