Guides & Articles
When is your bond due?
Free renewal-deadline check — no card.
Free · no card · we compute the repricing, cancellation-notice and reinstatement dates backwards from your expiry.
2026-10-09
Mortgage Licence Bonds and NMLS Renewal Season: The November–December Deadlines That Actually Matter
Every NMLS state licence renews between November 1 and December 31, and each needs an active bond. The season calendar, volume-tiered bond amounts, and why the electronic surety bond is what stalls a late-December filing.
2026-09-21
The 90-Day Retroactive Window: What a Lapsed Contractor Bond Does to Work You Already Did
A licence suspension is backdated to the day the bond stopped, not the day you found out. The filing window that can erase the gap, what the gap does to work already performed, and the first 48 hours after discovering a lapse.
2026-08-29
Surety Bond Renewal Deadlines: How the Cancellation Clock Actually Works
The bond expiry date is not the deadline. Re-underwriting at 90 days, premium at 45, the surety's written notice to the obligee — and why a lapse is a new filing rather than a late payment.
2026-08-29
The Freight Broker Bond (BMC-84): Renewal, Cancellation and the 30-Day Clock
The $75,000 broker bond is federal and uniform. What the BMC-84 covers, how the BMC-85 trust differs, and exactly what happens in the 30 days after a surety files a cancellation.
2026-08-29
Why Licence Bonds Lapse — and the Renewal Calendar That Prevents It
Bonds lapse for four boring reasons, none of them a decision to stop being bonded. The four causes, the 90/60/30/7 calendar that catches them, and why the bond date and the licence date drift apart.
BondWatch is a renewal-tracking tool, not a surety agency, an insurer, a licensed producer or a law firm. This page describes how surety bond renewal cycles work in general. Bond amounts, required forms, cancellation-notice periods and renewal windows are set by state statute and by the bond form itself and differ by jurisdiction — verify every requirement and every date against your bond, your surety and the agency that holds it before you rely on it.