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Introduction and Purpose
The goal of NMLS is to improve consumer finance, debt, fiduciary services, money services and mortgage industry supervision, heighten communication across states, increase consistency in licensing requirements, and automate processes to the greatest degree possible.
Chapter I—Getting Started on the System
NMLS is designed to replace each state’s existing licensing application forms and manual processes.
F. Consumer Access and Publicly Available Information
Some information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system.

Introduction and Purpose
The goal of NMLS is to improve consumer finance, debt, fiduciary services, money services and mortgage industry supervision, heighten communication across states, increase consistency in licensing requirements, and automate processes to the greatest degree possible.
- Chapter I—Getting Started on the System
  NMLS is designed to replace each state’s existing licensing application forms and manual processes.
  - Terminology Used in this Chapter
  - A. Getting Started
    Getting started necessitates three steps:
  - B. Licensee Responsibility for Their One Record in NMLS
    Each company and individual is responsible for their record in NMLS.
  - C. State-specific Requirements Outside NMLS
    Applicants and licensees may be required by a state to submit additional items outside the system.
  - D. Creation of New Company Record
    Each distinct company in NMLS will have a single record, regardless of licensing status or the number of jurisdictions in which they are licensed.
  - E. Amendments to a Company’s Structure That Will Require the Creation of a New NMLS Record
    Changes made to a company’s structure may necessitate a new company record. Whether a new record is required depends on how the change is treated pursuant to the state statutory provisions under which the company was formed and/or how the IRS treats the change.
  - F. Consumer Access and Publicly Available Information
    Some information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system.

F. Consumer Access and Publicly Available Information

Some information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system.

The Safe Act states NMLS shall provide consumers with easily accessible information, offered at no charge, utilizing electronic media, including the Internet, regarding the employment history of, and publicly adjudicated disciplinary and enforcement actions against, loan originators.

Accordingly, some information from a licensee’s record is made publicly available through NMLS Consumer Access which is a separate system than NMLS. Areas of the Company, Branch, and Individual Forms that are made available are indicated throughout the Guidebook.

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.