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NMLS Reference Guide: About NMLS
The Nationwide Multistate Licensing System ("NMLS" or the "System") is the system of record for non-depository, financial services licensing or registration in participating state agencies, including the District of Columbia and U.S. Territories of Puerto Rico, the U.S. Virgin Islands, and Guam.
NMLS Processing Fees
NMLS Processing Fees, including fees associated with testing, education credit banking, and criminal background and credit checks, are established and reviewed annually by the State Regulatory Registry LLC Board of Managers, which provides governance for NMLS. The Conference of State Bank Supervisors operates NMLS on behalf of participating state agencies.
NMLS Payment Options
Payments submitted through NMLS can be made using Visa®, Mastercard®, or ACH (Automated Clearing House).
Automated Clearing House (ACH) Payments
Using ACH payments with NMLS, including vendor information for payment routing.

NMLS Reference Guide: About NMLS
The Nationwide Multistate Licensing System ("NMLS" or the "System") is the system of record for non-depository, financial services licensing or registration in participating state agencies, including the District of Columbia and U.S. Territories of Puerto Rico, the U.S. Virgin Islands, and Guam.
- Technical Requirements
  Technical requirements for using NMLS in your web browser.
- Hours of Operation
  Call center and system hours of availability.
- License Types Added to NMLS
  State agencies are expanding their use of NMLS to manage license authorities beyond the mortgage industry.
- NMLS Unique Identifier
  The NMLS Unique Identifier is the number permanently assigned by the Nationwide Multistate Licensing System (NMLS) for each company, branch, and individual that maintains a single account on NMLS.
- NMLS Processing Fees
  NMLS Processing Fees, including fees associated with testing, education credit banking, and criminal background and credit checks, are established and reviewed annually by the State Regulatory Registry LLC Board of Managers, which provides governance for NMLS. The Conference of State Bank Supervisors operates NMLS on behalf of participating state agencies.
  - NMLS Payment Options
    Payments submitted through NMLS can be made using Visa®, Mastercard®, or ACH (Automated Clearing House).
    - Automated Clearing House (ACH) Payments
      Using ACH payments with NMLS, including vendor information for payment routing.
      - How to Pay by Automated Clearing House (ACH)
        When using ACH, you authorize a direct transfer of funds from your bank account to the payment processor for NMLS. These steps guide you through submitting an ACH payment.
    - Correcting Failed Payments
      If the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.
    - NMLS Payment Terms and Conditions
      Thank you for using the Nationwide Multistate Licensing System (NMLS) for your licensing or registration needs. Licensing and registration payment services on this web site (the "Payment Site") are provided by the State Regulatory Registry LLC ("SRR"), and are subject to these payment terms and conditions (these "Payment Terms").
- Using the License Requirements and Fees Chart
  This is a companion document to the License Requirements and Fees Chart to help you filter the chart based on your entity type and goal within NMLS: applying for a new license, amending your record, or complying with periodic reporting requirements.
- PDF Tips
  If your upload contains multiple files, they must be merged into one PDF file. The PDF file should not be password protected. Below is a listing of some of the more popular programs and online services for creating PDF files.
- Information Sharing Through NMLS
  Information shared by the State Regulatory Registry LLC (SRR) under the SAFE Act.

Automated Clearing House (ACH) Payments

Using ACH payments with NMLS, including vendor information for payment routing.

ACH Payments – Funds Availability

Prior to submitting payment, verify that your account contains sufficient funds to cover the payment amount that has been pre-authorized by NMLS to complete the ACH transactions (if required by your financial institution) to avoid a possible return. If your bank requires “pre-authorization” before NMLS can perform the ACH transaction, see Authorizing ACH Payments.

ACH Payments – Funds Pending

If payment is made using ACH:

State licenses will have an ACH Payment on [payment date] – [category] license item
Note: Regulators have the ability to approve a renewal request with the active license item. For new license requests, the license item will generally have cleared by the time the regulator will have reviewed the license request.
Federal registrations will be eligible for activation, pending any other requirements (CBC, employment confirmation, etc.)
After 5 business days, if the payment has not failed, State license filings will have the license item removed.
If the payment fails, a Returned ACH license item is placed and repayment will be required to be made within NMLS. See Correcting Failed Payments

Authorizing ACH Payments

It is your responsibility as a NMLS user or applicant to contact your personal or company financial institution to pre-authorize, if necessary, NMLS to accept and process Automated Clearing House (ACH) payments for licensing fees.

Important: Please contact your financial institution regarding any changes they may need to make to security settings on your account to allow NMLS to complete ACH transactions through your account.

Below is some information about the vendor processing ACH transactions for NMLS. Your financial institution may require this information in order to allow NMLS to process ACH transactions through your account:

Table 1. NMLS ACH Vendor Information
Name	Bank of America
Address	100 North Tryon Street Charlotte, NC 28255
SWIFT Code	BOFAUS3N
Vendor identifying information	1222528268

Or Contact: NMLS – State Regulatory Registry LLC Accounting Division or accounting@csbs.org

The account / vendor name on your bank statement will show as: NMLS PMT.

Contact the NMLS Call Center with any questions: 1-855-665-7123
Monday - Friday from 9:00AM to 9:00PM ET
Available from all U.S. States and Territories.