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Pennsylvania Credit Service Organization bond

Pennsylvania Credit Service Organization

5% of prior-year fees ($5,000 min, $25,000 max)

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Direct answer

Do I need a credit service organization bond in Pennsylvania?

5% of prior-year fees ($5,000 min, $25,000 max) Credit repair companies, credit counseling services, and debt management providers registered in states that require a CSO bond. Pennsylvania Department of State oversees credit services requirements in Pennsylvania, including the bond filing.

Last verified July 29, 2026

Pennsylvania Credit Service Organization bond, answered

How much is a credit service organization bond in Pennsylvania?
5% of prior-year fees ($5,000 min, $25,000 max)
Who needs a Pennsylvania 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 Pennsylvania?
Pennsylvania Department of State oversees credit services requirements in Pennsylvania, 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: Pennsylvania Department of State

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

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