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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.
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.

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.

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.

About this task

Institutions with more than 100 eligible MLOs must use the upload process to submit renewals/reactivations. All institutions may use the MLO Renewal Batch Upload CSV file, which supports up to 10,000 MLO records at one time. Develop the upload file according to the MLO Renewal Batch Upload Specifications file.

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 Upload.

Note: The Renewal/Reactivation Upload screen opens.
Click Browse and select the MLO Renewal Batch Upload CSV file that contains eligible MLOs for renewal/reactivation.

Note: The file must include only two columns: NMLS ID (required) and Renewal Group Name (optional). Institutions can generate this file by exporting and editing the Renewal/Reactivation Activity Report.
Enter a description for the file (optional).
Click Upload.

Note: A gold bar message displays while the file is processing. Refresh the page to view processing results.
Review the processing results. Correct any rejected records, create a new file if needed, and re-upload.

Note: Common rejection reasons include invalid IDs, missing required fields, or ineligible MLO statuses. A detailed error list is available on the Renewal/Reactivation Uploads screen.
Click the Unpaid link for the processed file to view the invoice.
Click Pay Invoice and complete payment using an accepted method.

Results

After payment, MLOs included in the upload receive email notifications to attest to their records. MLOs 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 requires reactivation.

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.