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Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
Chapter VIII—Call Reports
NMLS accommodates both the Mortgage and Money Services Call Reports.
Money Services Businesses (MSB) Call Report
The Money Services Businesses (MSB) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees (money transmitters, check cashers, prepaid, etc.). Licensees can complete the report directly in NMLS.
MSB Call Report Components
Sections, which the system has determined as required, based on license status and state requirements, are automatically rendered on this screen. Companies may add additional sections to satisfy additional requirements.

Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
- Chapter VII—Financial Statement and Net Worth Filing
  NMLS enables company account administrators and designated company users to file financial statements (FS) in a single PDF document (8MB file size limit) through the system. Companies are often required to file a financial statement prior to submitting a license application, on an annual basis, or at other designated times during the year.
- Chapter VIII—Call Reports
  NMLS accommodates both the Mortgage and Money Services Call Reports.
  - Mortgage Call Report (MCR)
    The Mortgage Call Report (MCR) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators (MLOs).
  - Money Services Businesses (MSB) Call Report
    The Money Services Businesses (MSB) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees (money transmitters, check cashers, prepaid, etc.). Licensees can complete the report directly in NMLS.
    - MSB Call Report
      Companies holding a relevant MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The report is only required to be submitted for select licenses in adopting states.
    - MSB Call Report Components
      Sections, which the system has determined as required, based on license status and state requirements, are automatically rendered on this screen. Companies may add additional sections to satisfy additional requirements.
  - Uniform Authorized Agent Reporting (UAAR)
    Uniform Authorized Agent Reporting (UAAR) assists regulators with the supervision and monitoring of money services businesses and their authorized agent / delegate locations, which may include company owned branch locations.

MSB Call Report Components

Sections, which the system has determined as required, based on license status and state requirements, are automatically rendered on this screen. Companies may add additional sections to satisfy additional requirements.

The report is comprised of four sections:

Section I: Financial Condition Report (At Company Level¹)
Section II: Transaction Activity Reporting
1. Company-wide Transactions Detail
2. State Transactions Detail
Section III: Permissible Investments Report (At Company Level)
Section IV: Transactions Destination Country Reporting
1. Company-wide Transactions Destination Country Detail
2. State Transactions Destination Country Detail

Money Service Business Call Report sections, screen 1 of 2

Money Service Business Call Report sections, screen 2 of 2

¹ The financial condition report of the MSB Call Report must be reflective of the licensee and not “rolled-up” or consolidated information of the parent company. The financial statements must be consolidated at the licensee level. Financial condition information includes consolidated financial data for the licensee submitting the report inclusive of its subsidiaries.

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.