A state-licensed company for federally registered institution must submit the Company Account Request Form to gain access to NMLS for the first time.

The Account Administrators for your company are persons of your company’s choosing that will have full access to your company’s record on NMLS and will be able to fill out and submit a complete company record (Form MU1 or MU1R) to any participating state regulator or the Federal Registry.

The Primary or Secondary Account Administrators (AAs) are the only individuals that can create and manage other Organization Users (OUs) to assist with performing tasks in NMLS. Each OU is assigned specific roles by an AA, which determines the tasks that can be performed.

How Account Administrators can modify organization user information in NMLS.

An Account Administrator can remove access or grant additional access to NMLS functionality by modifying the roles the organization user has.

An organization user whose account has been disabled by an account administrator will not be able to log in to NMLS. The user will be able to log in to NMLS only after the account has been enabled by an account administrator.

A deleted organization user account cannot be re-used. A new user account will have to be created by an account administrator in order for the user to log in to NMLS.

Upon the initial login to NMLS, Account Administrators and organization users are required to pay the NMLS subscription fee, register their two-factor credential, and reset their password. In addition, they will be required to create a Security Question and Security Answer.

An overview of how to obtain a two-factor authentication for NMLS if it is required for your account. Also includes security credential options..

An Account Administrator or Institution User with the Manage Notification Contacts role can manage notifications for an institution.

If you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.

Understand how to update your NMLS account and recover your username and password.

This guide explains the account consolidation process, allowing users with multiple NMLS accounts to use a single login to access all their accounts. Users are encouraged to consolidate their accounts.

Understand the different capabilities available in NMLS for managing your user profile.

Two-factor authentication is a process by which two independent authentication methods (such as a security code produced by a physical token in addition to a username and password) are utilized to increase confidence that an individual attempting to access a secure system is authorized to do so.

NMLS Account Administrators and organization users must pay a $55 annual subscription fee for each NMLS user account that requires two-factor authentication.

An annual Credential Subscription fee will be assessed thirty days prior to the expiration of the Credential Subscription, to each NMLS account that uses two-factor authentication. Additionally, NMLS will generate an invoice and an email notification containing the current subscription expiration date.

How to register a two-factor credential with NMLS.

NMLS Account Administrators can de-register an organization user’s VIP Subscription credential.

How to migrate a two-factor credential to a new mobile device.

Follow these steps to create and complete a new MU1R filing for your institution in NMLS.

After completing all sections of the MU1R, attest to the filing and submit it in NMLS.

After attesting to an MU1R filing, you must submit payment in NMLS using a credit card or ACH transfer.

Pending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.

Use the Historical Filings screen in NMLS to review previously submitted MU1R filings and compare changes between them.

Definitions of terms frequently used when completing and managing MU1R filings in NMLS.

Submit amendments to your institution’s MU1R as changes occur. This task shows how to create or continue an MU1R amendment and submit it in NMLS.

Before amending the MU1R, ensure your institution’s new legal name is updated in the Federal Reserve’s NIC Database. Then request and process the legal name change through NMLS and submit the update.

Pending MU1R filings can be accessed, reviewed, and edited until they are submitted in NMLS.

You can confirm your institution’s registration status at any time by viewing the Composite View tab or by checking the Historical Filings screen in NMLS.

Institutions must have access to an MLO’s record in NMLS before they can view information or submit filings on the MLO’s behalf.

The MLO Batch Upload process allows institutions to register multiple Mortgage Loan Originators (MLOs) at one time by creating and submitting a batch file to NMLS.

Institutions can initiate and complete an MU4R filing on behalf of a Mortgage Loan Originator (MLO), which the MLO must attest to before submission and payment.

Employment Management in NMLS allows institutions to confirm, reject, correct, or terminate Mortgage Loan Originator (MLO) employment records.

Institutions can track the status and view the results of Mortgage Loan Originators’ (MLOs) Criminal Background Checks (CBCs) through NMLS.

Institutions are responsible for paying fees associated with MU4R filings submitted on behalf of Mortgage Loan Originators (MLOs).

Edit the employment start date for an MLO record when the original date was entered incorrectly or requires updating.

Request a correction to an MLO’s employment record in NMLS when submitted information is inaccurate or incomplete.

Recall a correction request for an MLO’s employment record in NMLS when the request is no longer valid or needs to be withdrawn.

Initiate or recall an MU4R amendment filing for an MLO to ensure records remain accurate and current in NMLS.

Institutions can terminate MLO employment records in NMLS either individually or in bulk using a CSV upload process.

Renew or reactivate your institution’s federal registration in NMLS before submitting renewal/reactivation requests for employed MLOs.

Institutions must request renewal or reactivation of employed MLOs in NMLS after completing the institution renewal. MLOs must then attest to their records to complete the process.

The Renewal/Reactivation Activity Report provides real-time information on MLO eligibility and status, helping institutions track and manage renewals and reactivations.

Renewal and reactivation statuses in NMLS indicate whether an MLO has completed, is pending, or has failed to renew/reactivate. Institutions use these statuses to track progress and manage compliance.

Definitions of terms used in the federal institution and MLO renewal/reactivation process in NMLS.

Upload a CSV file to NMLS to transfer Mortgage Loan Originator (MLO) employment records as part of a merger, acquisition, or corporate reorganization.

View processed M&A transfer files in NMLS to confirm completed transfers and identify any rejected records.

Review and correct errors in rejected M&A transfer files to ensure successful processing of MLO employment transfers in NMLS.

Pay fees in NMLS associated with M&A transfer files submitted by your institution.

Track the status of M&A transfers in NMLS to monitor whether MLOs have accepted, denied, or left pending the transfer of their employment records.

NMLS is committed to making our sites accessible to all users, including those with disabilities in accordance with Section 508 of the Rehabilitation Act of 1973, as amended. NMLS makes an effort to publish only material that is fully accessible.

Notice of Collection under the Privacy Act of 1974, 5 U.S.C. § 552a As Amended (Privacy Act Notice). The information that you provide to the Nationwide Multistate Licensing System (NMLS) will be used to register and manage accounts for mortgage loan originators.

This privacy act statement is located on the back of the FD-258 fingerprint card.

When searching for a fingerprinting location, the results returned by the search use the address you provide and display either (1) Live Scan locations only or (2) Live Scan and Paper Card locations. As illustrated below, fingerprint capture via Live Scan costs less, can be scheduled more quickly, requires less action by the MLO, and results in fewer illegible prints than the Paper Card method.

NMLS sets browser cookies to remember your login context (state or federal). If you choose the incorrect option when logging in and land on the state log in page instead of the federal log in page (or vice versa) you can manually delete your web browser cookies to reset your log in settings options.

NMLS allows individual MLOs to toggle between the “State” context for state licensing purposes and the “Federal” context for federal registration purposes. Follow the steps below to ensure you are logged in to the correct context of NMLS.