Kentucky State presented a new law relating to debt adjusters. The new law, which is named HB 166, requires debt adjusters to acquire a $25,000 surety bond from a surety company authorized to operate in the Commonwealth. The surety bond is for the benefit of any individual who experienced injuries or damages that was the outcome of a debt adjuster’s infringement of the law. The surety bond must be active for two years following the debt adjuster’s termination of services. HB 166 authorizes direct actions on the surety bond.