Collection Agency Bond
Income-tiered DIFI collection agency bond for Arizona operations
Arizona collection agencies must maintain a surety bond sized to prior-year gross annual Arizona income under A.R.S. § 32-1021.
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An Arizona collection agency bond is the continuous surety obligation required for original and renewal collection agency licenses under Title 32, Chapter 9.
The surety bond guarantees that the principal will perform the duties required under A.R.S. § 32-1021 - A.R.S. § 32-1022 up to the penal sum.
A claim may arise if the principal fails to comply with the bonded Arizona obligation or causes covered loss to the obligee or protected parties.
If a claim is valid, the surety may pay up to the bond penalty according to the bond terms; the principal remains liable to reimburse the surety.
Amount, premium, term, and the authority that requires this filing.
Any person who solicits or collects claims owed to third parties in Arizona business, including collections from Arizona debtors or Arizona offices, needs a DIFI collection agency license and bond.
Submit the DIFI collection agency bond form in the minimum amount matching last year's Arizona gross income tier with your license application or renewal.
Share your license type, court order, or obligee form and the exact penal sum required by Arizona Department of Insurance and Financial Institutions (DIFI).
We review credit and filing details, then quote premium options through licensed surety markets.
Once approved, we issue the bond for delivery to People of the State of Arizona (DIFI collection agency bond) or for your Arizona filing package.
The amount is Not over $250,000 income: $10,000; $250,001-$500,000: $15,000; $500,001-$750,000: $25,000; $750,001 and over: $35,000, as set under A.R.S. § 32-1021 - A.R.S. § 32-1022 and confirmed with Arizona Department of Insurance and Financial Institutions (DIFI).
The obligee is typically People of the State of Arizona (DIFI collection agency bond). Always match the exact name on the Arizona form.
Many Arizona filings can be underwritten the same day when documents and credit are complete; complex amounts may take longer.
Not always. Premium and collateral options vary by credit and bond size — ask for markets that still write the risk.
Most bonds renew on the term shown (1 Year). Keep continuity so your Arizona license or filing does not lapse.
Next step
We’ll match the requirement and route the application.
Apply for this bond