Money Transmitter Bond

Florida Money Transmitter Bond

Satisfy OFR Chapter 560 money services security

Florida money transmitters must maintain a corporate surety bond (or approved collateral) with the Office of Financial Regulation sized between $50,000 and $2,000,000 under Fla. Stat. § 560.209.

Overview

What Is a Florida Money Transmitter Bond?

A Florida money transmitter bond is the Chapter 560 security device that protects Florida claimants against money services business defaults.

Key Provisions
  • Guarantees compliance with Fla. Stat. § 560.209
  • Protects the obligee named on the Florida bond form
  • Remains subject to the penal sum and bond conditions
Surety Obligation Overview

What Does This Bond Guarantee?

The surety bond guarantees that the principal will perform the duties required under Fla. Stat. § 560.209 up to the penal sum.

Principal
The party required to obtain the bond and perform the underlying obligation.
Obligee
Florida Office of Financial Regulation - Financial Services Commission
Surety
The company issuing the bond and guaranteeing the obligation to the obligee.

When a claim may arise

A claim may arise if the principal fails to comply with the bonded Florida obligation or causes covered loss to the obligee or protected parties.

If a claim is valid

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.

Scope of the Obligation
  • Comply with Fla. Stat. § 560.209
  • Satisfy Florida Office of Financial Regulation - Financial Services Commission filing conditions
  • Maintain the bond for the required term
Bond terms

Bond summary

Amount, premium, term, and the authority that requires this filing.

Eligibility

Who Needs This Bond?

Companies applying for or holding a Florida Part II money transmitter - money services business license through OFR need this bond (or collateral alternative) continuously in force.

Who Is Required to File
  • Applicants required by Florida Office of Financial Regulation (OFR)
  • Florida businesses renewing or expanding licensed activity
  • Out-of-state firms filing into Florida markets
Requirements

What You Need to Apply

Calculate the required amount on Form OFR-560-07 (typically 2% of Florida volume, rounded up in $50,000 increments), then file Form OFR-560-06 or an approved collateral device.

Required Documentation
  1. Legal entity name matching the license or filing
  2. Bond amount: $50,000 minimum to $2,000,000 maximum — calculated under OFR rules (commonly 2% of prior-year Florida money transmission - payment instrument volume, rounded up in $50,000 increments)
  3. Florida obligee form or statute citation
  4. Owner or officer identification for underwriting
Filing

How this filing works

  1. 01

    Confirm the Florida requirement

    Share your license type, court order, or obligee form and the exact penal sum required by Florida Office of Financial Regulation (OFR).

  2. 02

    Underwrite and price

    We review credit and filing details, then quote premium options through licensed surety markets.

  3. 03

    Issue and file

    Once approved, we issue the bond for delivery to Florida Office of Financial Regulation - Financial Services Commission or for your Florida filing package.

FAQ

Frequently Asked Questions

What is the required amount for a Florida money transmitter bond?

The amount is $50,000 minimum to $2,000,000 maximum — calculated under OFR rules (commonly 2% of prior-year Florida money transmission - payment instrument volume, rounded up in $50,000 increments), as set under Fla. Stat. § 560.209 and confirmed with Florida Office of Financial Regulation (OFR).

Who is the obligee on a Florida money transmitter bond?

The obligee is typically Florida Office of Financial Regulation - Financial Services Commission. Always match the exact name on the Florida form.

How long does it take to get the bond?

Many Florida filings can be underwritten the same day when documents and credit are complete; complex amounts may take longer.

Does bad credit prevent approval?

Not always. Premium and collateral options vary by credit and bond size — ask for markets that still write the risk.

How do I renew the bond?

Most bonds renew on the term shown (1 Year). Keep continuity so your Florida license or filing does not lapse.

Authority Resources

Florida Office of Financial Regulation (OFR)

flofr.gov

Next step

Ready to file this bond?

We’ll match the requirement and route the application.

Apply for this bond

Or call (877) 477-7578