Account Creation
Companies and individuals who need to apply for a license in NMLS must first create an account.
Individual Account Creation
An account is used to generate, access and maintain a record in NMLS. When an individual requests an account in NMLS, the system requires a Date of Birth (DOB) and a Social Security number (SSN) for identification purposes. Ensure that this information is entered accurately upon establishing the individual account. If the DOB or SSN is entered incorrectly the individual must contact the NMLS Call Center1 to have the information updated.
Individuals without a Social Security number must contact the NMLS Call Center and will be required to provide supplemental documentation to obtain an account in NMLS.
Your user name and password are used to access your NMLS record and complete account related tasks.
As part of account creation, a valid email address is required and must be kept current. The email address is used for account access purposes and for communicating with state agency representatives. SRR, on behalf of state regulators, may periodically monitor the use of duplicate email addresses for system integrity purposes.
Individuals are also required to provide a recovery email address directly and continually accessible by the individual whose name and SSN are on the account. This email address is required in case of an employment change or other event that may impact the user’s ability to use the initial email address to access NMLS.
Users can also add a cell phone number and a secondary account recovery email.
An individual account is considered a dormant account if it contains no data such as testing and education results, regulatory actions or submitted license applications. NMLS will delete a dormant individual user account after 180 days. Pending filings do not prevent an account from dormancy and will be deleted after 180 days along with any related dormant accounts. Any record of an individual on a company filing named as a non-control Indirect Owner will not be marked as dormant.
For accounts with education and testing results or submitted or approved filings, NMLS will disable the account if it has not been accessed in 120 days by a company account user or 15 months by an individual user. If a user account is disabled, the System prompts the user to provide identifying information before they can log into their account.
Company Account Creation
For a company to access NMLS it must go through an entitlement process. The process requires an official within the company to complete the Company Account Request Formwhich designates who is entitled to have access to the company account.
- Full Name of Applicant
- IRS Employer Identification Number
- State/Province & Country of formation
- Date of formation
When requesting a company account in NMLS, only company employees that should have access to NMLS should be listed as account administrators. If additional users outside the company need to have access to NMLS, account administrators will be able to create designated user accounts after the company account is created.
The Internal Revenue Service (IRS) indicates that Employer Identification Numbers (EIN) are unique and are never re-issued. Therefore, the EIN is the basis for maintaining unique records.
Additionally, companies with the same full legal name and state of incorporation will be flagged for review to determine that they are separate entities. In no case should any two NMLS records share the same data for the 4 pieces of information above. This should prevent a company from inadvertently establishing two records in the system for the same company.
Company account administrators cannot change and/or update the EIN. Only the NMLS Call Center can update an EIN in NMLS pending appropriate authorization. Companies needing to change their EIN are required to contact the NMLS Call Center at 1-855-NMLS-123 (1-855-665-7123) ..
When should NMLS be used
“NMLS” shall not be used in a public facing email address domain name. An email address domain name containing “NMLS” shall not be used in advertising, which would imply there is a relationship between NMLS and the parties. An email address domain name using NMLS cannot appear on consumer access.
Any person or entity wishing to apply for a license, amend an existing license, surrender a license, cancel a license request, or renew their license should do so through NMLS.