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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 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 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.

After an institution renews its federal registration, it is responsible for submitting renewal or reactivation requests for its employed Mortgage Loan Originators (MLOs). Each MLO must attest to their record before the registration is complete. If an MLO fails to attest by December 31, their status changes to Inactive – Failed to Renew and a reactivation request must be submitted.

Renewal period and reactivation

The annual renewal period runs from November 1 through December 31. Institutions can reactivate MLO registrations at any time after January 1 if an MLO failed to renew. The reactivation process is identical to the renewal process, including institution submission, attestation, and payment.

Methods for submitting MLO renewals

Institutions can request renewal/reactivation for MLOs in two ways:

Manual selection: Recommended for smaller institutions with 100 or fewer eligible MLOs. Uses the Renewal/Reactivation Selection List to choose individual MLOs.
Upload: Required when more than 100 eligible MLOs remain. Institutions create an MLO Renewal Batch Upload CSV file with NMLS IDs (and optional Renewal Group Names) and upload it through the Renew/Reactivate tab. Upload supports up to 10,000 MLOs at once.

Steps in the MLO renewal/reactivation process

Institution requests renewal/reactivation for MLOs (manual or upload).
Invoice is generated and institution pays the processing fees ($30 per MLO).
MLO receives an email notification and must log in to NMLS to attest to their record.
Once attested, the MLO’s registration status is updated to Active for the next calendar year.

Monitoring and notifications

Institutions can track MLO renewal progress using the Renewal/Reactivation Activity Report and Composite View. They may also receive nightly email notifications summarizing MLO attestation completions.

Related resources

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.