All collection agencies in the state obtain a CA-DFPI Debt Collection License and be bonded. The California Collection Agency Bond in the amount of $25,000 is required as part of the license application process. The application as well as the surety bond will be processed through the Nationwide Mortgage Licensing System (NMLS).


The following persons are required to obtain a license to engage in the business of debt collection in California pursuant to the Debt Collection Licensing Act :California Collection Agency Bond

  • Any person who, in the ordinary course of business, regularly, on the person’s own behalf or on behalf of others, engages in debt collection.
  • Any person who composes and sells, or offers to compose and sell, forms, letters and other collection media used or intended to be used for debt collection.
  • Any person who engages in the business of a debt buyer. A debt buyer is any person or entity who regularly engages in the business of purchasing charged-off consumer debt for collection purposes, whether it collects the debt itself, hires a third party for collection, or hires an attorney-at-law for collection litigation.

If you are a licensed collection agency in another state, you will still be required to become licensed in California and obtain a California Collection Agency Bond.

The license allows the following activities on the state:

  • Active debt buying.
  • First party debt collection.
  • Third party debt collection.
  • First mortgage servicing (only for collections for first mortgages the company holds/owns).
  • Third party first mortgage servicing (only for collections for first mortgages the company does not hold/own).
  • Third party subordinate lien mortgage servicing (only for collections for subordinate lien mortgage the company does not hold/own).
  • Judgment recovery.
  • Other debt collection services.

About the California Collection Agency Bond

This is a type of Surety Bond. Debt collectors must submit with the license application and maintain a surety bond in a minimum amount of twenty-five thousand dollars ($25,000), payable to the Commissioner of the California Department of Financial Protection and Innovation (CA-DFPI) and issued by an insurer authorized to do business in California. only represents insurers authorized to do business in the state. The bond guarantees compliance with terms of the license. It is not insurance for the principal (collection agency) but is protection for the state and/or the people of the state of California.

How do I apply for the bond?

At we make it easy to apply for your California Collection Agency Bond:

  1. Simply complete our easy to use and secure, online application
  2. Review your free, no obligation quote, usually within 1 business day, from one of our professional surety bond agents.
  3. Complete some important paperwork, make payment (all major credit cards accepted

Once these 3 simple steps have been completed, your California Collection Agency Bond will be filed electronically with the NMLS. is located in the Sacramento area and is a service of AssuredPartners one of the largest and fastest growing insurance agencies in the nation. Since 2003, Surety1 is the premier online provider of surety bonds nationwide and maintains an A+ rating from the Better Business Bureau.

Click here for our state-by state guide to collection agency bonds.

How to Get Your California Collection Agency Bond

  1. Complete an online application. It’s free and no-obligation.
  2. One of our surety experts will contact you with a firm quote and an agreement to sign.
  3. Provide payment and your signed agreement, and then you will receive your Surety Bond!

If you have any questions, please call us at 877-654-2327.

How to Get Bonded

1. Apply Online
Using our Free & Secure Application
2. Get Your Free Quote
Applications are No-Obligation
3. Get Your Bond
Most Bonds are Approved in 1-2 Business Days

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Surety1 was founded in 2003 and helps thousands of clients find the best prices on their surety bonds. We take pride in our work so that we can give you great service. Learn more about Surety1.

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