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Annual and Quarterly Reporting
Overview of recurring financial and activity reporting obligations for licensed companies in NMLS, including annual financial statements, call reports, and Uniform Authorized Agent Reporting (UAAR).
Money Services Businesses (MSB) Call Report
The Money Services Businesses (MSB) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees (money transmitters, check cashers, prepaid, etc.). Licensees will be able to complete the report directly in NMLS.
MSBCR Overview and Definitions
The NMLS Money Services Businesses (MSB) Call Report is comprised of four sections: company financial information, information about the licensee’s company and state level transactional activity, company permissible investments information, and transaction destination country information.
Submission of MSB Call Report
Companies holding an MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The NMLS MSB Call Report may only be submitted through NMLS; therefore in order for entities to submit the report, they must have an active record in NMLS.

Annual and Quarterly Reporting
Overview of recurring financial and activity reporting obligations for licensed companies in NMLS, including annual financial statements, call reports, and Uniform Authorized Agent Reporting (UAAR).
- Submitting Annual Financial Statements
  Submit the annual financial statement for your company through NMLS within 90 days of your fiscal year end.
- Mortgage Call Report User Guide
  The mortgage call report (MCR) is required to be completed by all state licensed companies and companies employing state licensed mortgage loan originators (MLOs).
- NMLS Business Activity Information
- Money Services Businesses (MSB) Call Report
  The Money Services Businesses (MSB) Call Report was developed with the goal of enhancing and standardizing the information available to state regulators concerning the activities of their Money Services Businesses licensees (money transmitters, check cashers, prepaid, etc.). Licensees will be able to complete the report directly in NMLS.
  - MSBCR Overview and Definitions
    The NMLS Money Services Businesses (MSB) Call Report is comprised of four sections: company financial information, information about the licensee’s company and state level transactional activity, company permissible investments information, and transaction destination country information.
    - NMLS Money Services Businesses Call Report Detail Report Sections
      The NMLS MSB Call Report is a routine report submitted through NMLS by an entity with at least one money services business license.
    - Submission of MSB Call Report
      Companies holding an MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The NMLS MSB Call Report may only be submitted through NMLS; therefore in order for entities to submit the report, they must have an active record in NMLS.
    - MSB Call Report: Reporting Frequency
      All sections, except the transaction destination country reporting Sections (IV(a), IV(b)), are due each calendar quarter.
    - MSB Call Report Adoption
      The NMLS MSB Call Report is a uniform form that will be completed by MSB companies, licensed in states that require their licensees to submit the report. States that adopt the report, adopt all sections of the report, with the exception of optional Section IV(b), and entities licensed in the state will be required to complete submission of the report in accordance with the schedule detailed in licensing/msbCR/topics/msbCR_frequency.html.
    - Adjustments of Submitted MSB Call Reports
      Licensees are permitted to revise previously submitted quarterly reports up to 24 months after the report is submitted.
    - MSB Call Report Financial Condition
    - MSB Call Report Information Sharing
      All data submitted in the report is confidential, but will be available to all state regulators under the System’s information sharing architecture. Similar to other data in the System, the sharing of information amongst state regulators is specifically permitted under 12 U.S. Code § 5111 of the SAFE Act.
  - NMLS MSB Call Report Sections and Definitions
    Detailed descriptions and instructions for the sections and fields of the Money Services Businessess Call Report.
  - NMLS MSB Call Report Subcommittee
  - MSB Call Report Frequently Asked Questions
    For questions on Money Service Businesses (MSB) Call Report policies or interpretations of field definitions, email NMLSMSBCR@csbs.org.
  - CSV and XML Specifications
    The MSB Call Report can be uploaded as a comma-separated values (CSV) or eXtensible Markup Language (XML) file.
- MSB Call Report: Creating a Filing
  The process for filling the MSB Call Report.
- MSB Call Report: Managing Completeness Checks and Warnings
  When completing the MSB Call Report, the System validates the data entered and provides completeness checks or warnings if data is missing or invalid, exceeds certain thresholds, or requires an explanatory note.
- MSB Call Report: Amending a Submitted Report
  A submitted MSB Call Report can only be amended within 24 months after the end of the filing period. Amending an MSB Call Report does not reset the 24-month limit.
- Uniform Authorized Agent Reporting (UAAR)
  Understand the purpose of Uniform Authorized Agent Reporting (UAAR) in NMLS and how it supports regulatory oversight of money services businesses through periodic reporting of authorized agents.

Submission of MSB Call Report

Companies holding an MSB license during the calendar quarter will be required to file the NMLS MSB Call Report. The NMLS MSB Call Report may only be submitted through NMLS; therefore in order for entities to submit the report, they must have an active record in NMLS.

The NMLS MSB Call Report applies to licensees who conduct the following activities: money transmission, check cashing, issuing or selling travelers checks, issuing or selling drafts, foreign currency dealing and exchange, issuing or selling money orders, bill paying, issuing or selling prepaid access/stored value products, and virtual currency.

The Financial Condition Report (Section I), Company-wide Transactions Detail (Section II (a)), and Permissible Investments Report (Section III) are only required to be submitted once per quarter, even if the entity is licensed in multiple states. The State Transaction Detail (Section II(b)) is only required to be submitted once per quarter for each state that adopts the NMLS MSB Call Report and in which the company is licensed. All required report sections must be submitted at the same time, but can be prepared in the system prior to final submission.

Report submission options are intended to include manual data field entry and a bulk upload functionality facilitated through an XML schema or Comma Separated Values (CSV) file.

For Sections I, II(a), II(b), and III, data submitted must be based on the activity completed in the quarter. For Section IV(a) and IV(b) Destination Country Detail, data submitted must be for the entire calendar year.

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.