Blog

Where in the World is Mike Indeed

News
Michael J. Whitlock, Executive Vice President - Bail Division Occasionally, I’ll get asked, “Mike, what do you do for a living? I see from your social media posts that you travel quite a bit.” Setting aside the fact that in the month of August I visited 20 states and took 20 flights, I’m not a professional traveler—though sometimes it feels as though I am. My primary responsibility as Executive Vice President of American Surety Company’s Bail Division is to sign up new agents. That means spending a good deal of time talking with bail agents about their businesses, the challenges they face, and what they should expect from their surety. I believe American Surety Company has a pretty good story to tell. We’ve been in the bail business for 40…
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California Public Safety Committee Advances Bail Premium Refund Bill

California Public Safety Committee Advances Bail Premium Refund Bill

Bail
Michael J. Whitlock, Executive Vice President - Bail Division After sitting idle in the Assembly Public Safety Committee for more than a year, SB 562, the California bail premium refund bill, was heard by the committee this week. Senator Angelique Ashby is the author of the proposed legislation. The original version of SB 562 required a compensated surety (bail bond company) to refund up to 80% of the premium whenever bond conditions were modified, charges were dismissed, or a court determined that one party had benefited at another party's expense. An amended version of SB 562 was approved by the Public Safety Committee and significantly narrows the circumstances under which a defendant may receive a refund of bail premium. Under the amended bill, a refund may be ordered only when:…
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2026 Bail Landscape: A Fast Start, Familiar Fights, and New Frontiers

News
Michael J. Whitlock, Executive Vice President, Bail Division I got off to a late start in 2026, but it’s off to the races now. I’ve already traveled to Las Vegas, Dallas, Sacramento, Modesto, and Austin, with Houston on deck next week. Much of that time has been spent onboarding new agents to American Surety Company and preparing presentations for upcoming bail agent conferences in Indiana and Mississippi. On the legislative front, I initially expected a relatively quiet year for bail reform. To some degree, that has proven true—but there are still several significant developments I’ve been following, and in some cases, directly participating in. Here in the home state of the National Champion Indiana Hoosiers, the legislature passed SJR1, which will place a constitutional amendment on the November 2026 ballot.…
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Bail Me Now

Bail Me Now

Bail
By Michael J. Whitlock, Executive Vice President - Bail Division It’s the second week of March, and I’ve only made one trip this year—attending the 2026 ASC Agent Appreciation Dinner and PBUS Conference in Las Vegas. Very unusual for me. My dad died recently, not long after celebrating his 90th birthday. He had been in declining health, and I was not going to be caught out of town when he passed, as I was when my mom died. John T. Whitlock—who most called Jack and fewer called John T.—backed into his career selling bail bonds in 1966 while living in Kansas City, Missouri, known to the locals as KCMO. He worked for Allstate at the time, providing for an ever‑growing family. Dad continued working in the bail bond business for…
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Indiana SJR-1: Intent, Impact, and the Question of Balance

News
By Michael J. Whitlock, Executive Vice President - Bail Division Indiana Senate Joint Resolution 1 (SJR-1) proposes to amend constitutional language governing bail and pretrial detention that has remained unchanged since 1851. When Indiana adopted its current constitution, the United States was led by Millard Fillmore, and the nation was in the antebellum era—long before modern policing, electronic monitoring, or large-scale pretrial incarceration. The framers crafted a framework in which bail was a constitutional right, denied only in limited circumstances, reflecting a strong preference for liberty before conviction. The intent of SJR-1 is clear and broadly shared: to enhance public safety by allowing courts to detain individuals who present a genuine and demonstrable risk to others or the community while their cases are pending. Supporters cite repeat offending and serious…
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Where in the World is Mike?

News
  by Michael J. Whitlock, Executive Vice President – Bail Division “Where in the world is Mike?” is something I get asked a lot during my travels — though occasionally, I have to ask that of myself. A few weeks back, I was speaking before a group of agents about bail issues being addressed across various states when I had a senior moment: “What state am I in now?” I asked the group. “Idaho,” they replied in unison. Travel for me is steady throughout the year but particularly dense in the fall months when annual meetings are held for state and national associations. Leading up to my trip to Pocatello for the Professional Bail Agents of Idaho Annual Meeting, I had already been to Ohio, Georgia, and Texas — on…
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Tennessee Moves to Expand Preventative Detention: Voters to Decide in NOV 2026

News
By Michael Whitlock, Executive Vice President - Bail Division Article I, Section 15 of the Tennessee Constitution states: "That all prisoners shall be bailable by sufficient sureties, unless for capital offenses, when the proof is evident and the presumption great." This language has been part of Tennessee law since 1870, when the state adopted its third and current constitution. It has served the people of Tennessee for more than 150 years — but that stability could end in 2026. The Tennessee Legislature has passed SJR0025, a resolution proposing to amend Article I, Section 15 to expand the categories of offenses for which bail may be denied. The amendment will be placed before voters in the November 3, 2026, general election. If approved, individuals charged with violent offenses — including second degree…
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Florida Bail Agents Meet in Jacksonville

News
Michael J. Whitlock, Executive Vice President - Bail Division   I traveled to Florida not just for the seventy-degree weather but to attend the Florida Bail Agents Association (FBAA) Spring Meeting with American Surety Company Vice President Dan Amato. The weather was pleasant, but even more rewarding was seeing all the hardworking members of the association dedicated to improving their profession. What impresses me most about this organization is its persistence and commitment to the task at hand. Under the leadership of President Carey Carlisle, the FBAA Board volunteers their time and resources to ensure their efforts pay off for its membership. We are in the midst of another legislative session, and capitalizing on the relationships developed with state legislators is crucial. It’s essential that representatives in Tallahassee understand the…
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The Cost of Trust: Preventing Employee Fraud in Today’s Modern Payment Landscape

Bail
By Michael J. Whitlock, Executive Vice President - Bail Division Ben Franklin once said, “Trickery and treachery are the practices of fools that have not wits enough to be honest.” When I was working in a bond office back in the day, specifically in 1982, bail transactions were paid with cash or personal checks. In most cases, bonds were paid upfront and in full. These days, however, customers tend to pay with credit cards, cash apps, or occasionally cash, and in many cases, payment terms are extended. Recently, one of our agents relayed a concerning story. An employee had been stealing customer payments over an extended period, amounting to many thousands of dollars. This employee was trusted and relied upon to manage many responsibilities in the office, including payment collections. Suspecting…
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It’s a Dad Thing

Bail, News
By Michael J. Whitlock, Executive Vice President A couple of years ago, I was awakened at 2 AM by the sound of my wife, Marcia, talking to one of our kids. It was Stephanie; she had gotten a flat tire on her way back from Bloomington, Indiana, where she was attending Indiana University. She was parked on the side of the road, wrestling with a stubborn lug nut. I fell back asleep, but I woke up again a short time later to learn that the problem persisted. I stared at the ceiling, knowing what I had to do, even though I was still in a sleepy fog. I threw back the covers as Marcia asked what I was doing. "Heading towards Bloomington," I replied. My daughter was sitting on the…
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