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It is part of the issue.
https://www.cbsnews.com/news/donald-trump-175-million-civil-fraud-bond-valid-new-york/
That doesn't say they have to be a NY company, they just lack the correct licensing to issue in NY. Which seems problematic
The surety question is the main issue. The language seems to say that if trump loses, he has to pay and they don’t. Which isn’t a bond.