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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.
Viewing Processed Renewal or Reactivation Uploads
After uploading a renewal/reactivation file, institutions can review processing results, correct rejected records, and proceed with payment.

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.
    - Renewing your NMLS MLO Registration
      After your employer submits your MLO registration for renewal, log in to NMLS and attest to your record to complete the renewal process before December 31.
  - 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.

Viewing Processed Renewal or Reactivation Uploads

After uploading a renewal/reactivation file, institutions can review processing results, correct rejected records, and proceed with payment.

About this task

After a renewal/reactivation upload file has been processed, institutions can view the results on the Renewal/Reactivation Uploads screen. This includes details about uploaded, accepted, and rejected records, along with invoice information.

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 Uploads screen opens and lists processed files.
Review the results for the uploaded file, including:
1. File ID, File Name, and Description.
2. Uploaded On and Uploaded By details.
3. Total, Uploaded, and Rejected records.
4. Invoice status and link.
Click the Excel icon to download copies of uploaded or rejected records.

Note: The Uploaded Records file lists all successfully processed MLOs. The Rejected Records file lists errors that prevented processing, such as invalid IDs, missing fields, or ineligible statuses.
If the file includes rejected records, correct the errors, create a new CSV file, and re-upload.
When ready, click the Unpaid link to view the invoice and proceed with payment.

Results

The upload results are reviewed and, once paid, the renewal/reactivation requests are finalized. MLOs included in the invoice receive attestation emails.

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.