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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.
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.
UAAR Physical Address Validation
NMLS utilizes an external address validation service (Melissa Data) to validate Physical Addresses against the United States Postal Service’s (USPS) database. As part of address validation, minor corrections and standardizations may be performed.

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.
  - 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.
    - UAAR Physical Address Validation
      NMLS utilizes an external address validation service (Melissa Data) to validate Physical Addresses against the United States Postal Service’s (USPS) database. As part of address validation, minor corrections and standardizations may be performed.

UAAR Physical Address Validation

NMLS utilizes an external address validation service (Melissa Data) to validate Physical Addresses against the United States Postal Service’s (USPS) database. As part of address validation, minor corrections and standardizations may be performed.

In general, if the address a company has on file for an agent is currently recognized by the USPS and the USPS delivers mail to that address, it is accepted by NMLS.

If a Physical Address is considered invalid, an error description is provided in the results file. Licensees are expected to attempt to correct invalid addresses. If after completing due diligence in attempting to correct the address the licensees feel the address is correct, the licensee can submit, via the NMLS call center, the address for regulator review. The state regulator for which the agent is physically located then reviews the address and either rejects or approves the address as an exception. The licensee, via email, is notified when review is complete and must then upload the agent to NMLS or further work to correct a rejected address.

Only United States and Canadian addresses are validated. If authorized agent / delegate information in other countries is required, NMLS accepts that information without validating the physical address information.

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.