New Tennessee Bail Bond Law (Effective July 1, 2025)
New Tennessee Bail Bond Law: What Chattanooga Residents Need to Know

Effective July 1, 2025, Tennessee has enacted significant changes to its bail bond laws under Public Chapter 318 (formerly HB0528/SB0464), impacting how bail premiums are calculated and paid. These updates aim to standardize fees, enhance transparency, and provide more flexibility for defendants and their families.
Key Changes to Bail Bond Premiums
1. Standardized Premium Rates Based on Residency
- Tennessee Residents: A flat premium fee of 10% of the bond's face value is mandated.
- Example: For a $5,000 bond, the premium would be $500.
- Non-Tennessee Residents: Premium fees range between 10% and 15%, allowing bondsmen discretion within this bracket.
- Example: For a $5,000 bond, the premium could range from $500 to $750.
2. Flexible Payment Options
Defendants now have the option to pay premiums in installments:
- Initial Payment: At least 50% of the premium is due at the time of bond signing.
- Remaining Balance: The rest can be paid over 12 months, with no additional interest charged.
This change aims to alleviate the immediate financial burden on defendants and their families.
3. Mandatory Disclosure Requirements
Bondsmen are now required to provide defendants with a detailed notice outlining:
- The fee structure and payment terms.
- The defendant's rights regarding the bail agreement.
- Conditions under which a bondsman may surrender the defendant back to custody.
This ensures that defendants are fully informed about their obligations and rights, promoting transparency in the bail process.
Implications for Chattanooga Residents
For those in Chattanooga and surrounding areas, these legislative changes mean:
- Predictable Costs: Tennessee residents will benefit from a fixed 10% premium, eliminating previous uncertainties in bail costs.
- Financial Flexibility: The ability to pay premiums over a year without interest can ease the financial strain on families.
- Enhanced Transparency: Mandatory disclosures ensure that defendants are aware of all terms, fostering trust in the bail process.
How Carlos Bail Bonding Aligns with the New Law
At Carlos Bail Bonding in Chattanooga, we are committed to complying with the new regulations and providing our clients with:
- Transparent Pricing: We adhere strictly to the mandated premium rates, ensuring no hidden fees.
- Flexible Payment Plans: Our installment options are designed to accommodate the financial situations of our clients, in line with the new law.
- Comprehensive Guidance: We provide all necessary disclosures and are available to answer any questions, ensuring our clients are fully informed.
Need Assistance?
If you or a loved one requires bail assistance in Chattanooga, Carlos Bail Bonding is here to help. Our experienced team is available 24/7 to guide you through the bail process with professionalism and care.
Contact Us Today:
- Phone: 423-475-6383
- Address: 709 Cherry Street, Chattanooga, TN 37402
Let us help you navigate the bail process with confidence and ease.






