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Renewing Your Registrations
Federal institutions renew their registration annually in NMLS and then request renewal/reactivation for employed MLOs. This topic explains what renewal/reactivation is, when it occurs, fees, and how institutions and MLOs complete the process.
Renewing and Reactivating MLO Registrations
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.
Manually Renewing or Reactivating MLOs
Institutions with 100 or fewer eligible MLOs can manually select and submit renewals or reactivations using the Renewal/Reactivation Selection List.

Renewing Your Registrations
Federal institutions renew their registration annually in NMLS and then request renewal/reactivation for employed MLOs. This topic explains what renewal/reactivation is, when it occurs, fees, and how institutions and MLOs complete the process.
- Submitting an Institution Renewal or Reactivation Request
  Renew or reactivate your institution’s federal registration in NMLS before submitting renewal/reactivation requests for employed MLOs.
- Renewing and Reactivating MLO Registrations
  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.
  - Manually Renewing or Reactivating MLOs
    Institutions with 100 or fewer eligible MLOs can manually select and submit renewals or reactivations using the Renewal/Reactivation Selection List.
  - Renewing or Reactivating MLOs by Upload
    Institutions can renew or reactivate large groups of MLOs at once by creating and uploading a renewal/reactivation file in CSV format.
  - Viewing Processed Renewal or Reactivation Uploads
    After uploading a renewal/reactivation file, institutions can review processing results, correct rejected records, and proceed with payment.
  - Paying Renewal or Reactivation Invoices
    After submitting institution or MLO renewal/reactivation requests, institutions must pay the generated invoice to complete the process.
- Using the Renewal/Reactivation Activity Report
  The Renewal/Reactivation Activity Report provides real-time information on MLO eligibility and status, helping institutions track and manage renewals and reactivations.
- Understanding Renewal and Reactivation Statuses
  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.
- Mergers and Acquisitions During Renewal
  Explains how mergers and acquisitions affect Mortgage Loan Originator (MLO) registration renewal in NMLS and outlines common scenarios based on regulator type and transaction timing.
- Key Terms for Renewal and Reactivation
  Definitions of terms used in the federal institution and MLO renewal/reactivation process in NMLS.

Manually Renewing or Reactivating MLOs

Institutions with 100 or fewer eligible MLOs can manually select and submit renewals or reactivations using the Renewal/Reactivation Selection List.

About this task

Use this procedure to manually renew or reactivate MLO registrations in NMLS. This method is recommended for smaller institutions and is available when 100 or fewer eligible MLOs remain. All MLOs submitted for renewal/reactivation must attest to their records to complete the process.

Procedure

Navigate to the NMLS Login page (Federal Context).
Log in to your NMLS account.

Note: If you are landed on the NMLS Connect screen, select NMLS Federal Registry in the Quick Links section.
Select the Federal context, if the Context screen is displayed.

Note: Be sure you are in the Federal context by selecting Federal from the You are currently drop down list. Your screen should display the Federal Registry watermark.
Click Renew/Reactivate.
Click Submit.
Click Manual.

Note: The Renewal/Reactivation Selection List screen opens.
Select the checkbox next to each MLO to be renewed or reactivated.

Note: Clicking the Renew icon selects all MLOs listed.
Click Add to Cart.
Open the cart by clicking Renewals Cart or Proceed to Cart.
Review the cart and click Proceed to Invoice.
Read the attestation statement, select the verification checkbox, and click Pay Invoice.
Review the payment terms and click I Agree.
Select a payment type (Credit Card or Bank Account), enter required fields, and submit payment.

Note: After payment, MLOs receive an email requesting attestation. They must log in and attest by December 31 to remain Active. If they do not attest, their status changes to Inactive – Failed to Renew and a reactivation request is required.

Results

The MLO renewal/reactivation request is submitted and processing begins. Each MLO must attest to their record for the registration to remain Active.

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.