Wyoming — Consumer Lender License - NMLS Bond
Match Wyoming consumer-lender security to the Division of Banking's actual request and your lending activity. Consumer Lender, Sales Finance and first-mortgage licensing are different; the NMLS label alone does not make every license subject to the same bond requirement.
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- Recorded state
- Wyoming
- Bond type
- Consumer Finance / Lender Bond
- Category
- Financial services
What this bond does
Arrange the security applicable to the company's Wyoming consumer-lending activity, without treating a company license, an individual originator license and a bond as interchangeable.
- Who needs it
- Consumer-lender licensing teams identifying the required company security, including organizations employing or contracting with mortgage loan originators where Section 40-14-637 applies.
- Who it protects
- Where Section 40-14-637 applies, the bond runs to Wyoming for persons damaged by specified violations involving residential mortgage transactions. It secures the organization's and covered originators' statutory, rule, order and applicable federal-law duties—not every unpaid consumer loan.
Your bond option
This is the option on record for this bond.
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The bond amount describes the limit of the bond obligation, not the price. A listed amount does not establish what the requesting party requires. The premium is what you pay and must be confirmed for the actual option. An E&O limit, where listed, is separate errors and omissions insurance.
Sources
- Wyoming Division of Banking: License and Registration (opens in a new tab)Checked October 27, 2026
- Wyoming Division of Banking: UCCC Laws and Regulations (opens in a new tab)Checked October 27, 2026
- Wyoming UCCC: Section 40-14-637 (opens in a new tab)Checked October 27, 2026
Have these ready
- Identify the Consumer Lender activity and any mortgage-originator employment or contracting arrangement.
- Obtain the Division's written security request and accepted form; do not substitute a first-mortgage or sales-finance requirement.
- Match the licensed company/NMLS record, actual required sum, covered persons and effective dates.
- Submit the required bond evidence and complete licensing separately, retaining acceptance.
Questions about this bond
Does every consumer-lender license require the originator bond?
Do not infer that from the license name. Section 40-14-637 addresses organizations employing or contracting with mortgage loan originators. Have the Division identify the obligation applicable to your actual activities.
Should an individual originator replace the company as applicant?
The cited section requires the employing or contracting organization to maintain a bond covering its originators. Match the actual company and covered persons to the Division's request.
Does December license renewal end the bond?
Not under the cited continuing-bond provision. The Division's NMLS renewal cycle and the bond's release or post-license expiry provisions are different.
Can I select a sum from an old initial-bond example?
Use the current rule and Division request for your actual residential mortgage activity. The statute delegates the amount to rules based on volume; an older example is not a verified amount for every consumer lender.