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Minnesota Credit Service Organization bond

Minnesota Credit Service Organization

Minnesota requires a $10,000 credit service organization bond.

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Direct answer

Do I need a credit service organization bond in Minnesota?

Minnesota requires a $10,000 credit service organization bond. Credit repair companies, credit counseling services, and debt management providers registered in states that require a CSO bond. Minnesota Department of Commerce oversees credit services requirements in Minnesota, including the bond filing.

Last verified July 29, 2026

Minnesota Credit Service Organization bond, answered

How much is a credit service organization bond in Minnesota?
Minnesota requires a $10,000 credit service organization bond.
Who needs a Minnesota credit service organization bond?
Credit repair companies, credit counseling services, and debt management providers registered in states that require a CSO bond.
Who regulates credit service organization bonds in Minnesota?
Minnesota Department of Commerce oversees credit services requirements in Minnesota, including the bond filing.
How do renewals work?
Renews annually alongside the underlying license.
How do I get bonded?
Send state and registration details Receive a per-state quote within one business day Bond signed and filed with the state regulator

What you will need

  • State of registration and registration number
  • Two years of business financials
  • Owner credit authorization

How to get bonded

  1. Send state and registration details
  2. Receive a per-state quote within one business day
  3. Bond signed and filed with the state regulator

Regulator: Minnesota Department of Commerce

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Read the Minnesota regulatory summary → Credit Service Organization bond in another state How the states compare: State of Surety Bond Requirements report

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