The MU4R must be submitted through the Nationwide Mortgage Licensing System & Registry (NMLS) by either the employing institution or the individual MLO. In either case, the MLO must attest to his or her information before the MU4R can be filed.

Federally chartered or insured institutions and their mortgage loan originators (MLOs) must be registered in NMLS. The chart below provides information pertinent to Federal Registrants’ requirements under the SAFE Act (Regulation G) and LO Compensation Rule.

If you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.

Provide your company access to your NMLS record so that they can sponsor your license (if their license is managed through NMLS).

If you are a Mortgage Loan Originator (MLO) and your employer has initiated a MU4R filing on your behalf, you will need to log into NMLS and review and confirm your information is true and accurate before your employer can submit the filing.

If you are a mortgage loan originator (MLO) and your institution has initiated a MU4R Form on your behalf, but you will be paying the registration fee, you will need to log into your NMLS account, review the filing, submit your MU4R Form, and remit payment.

If you are required by your employer to complete and submit your own Form MU4R, the instructions below will help you complete this task.

Prior to registration, mortgage loan originators (MLOs) must submit fingerprints to NMLS (unless they already have fingerprints on file with NMLS) and authorize NMLS to process a criminal background check (CBC) with the FBI. The results of the CBC are returned to the employing institution through NMLS.

You can use the Federal MLO Registration List in NMLS to view the status of your MU4R. Each time the registration status is updated in NMLS, you will receive a system generated e-mail detailing the status change.

An MU4R may require amendment for any of the following reasons: revisions required by your employer; changed information on your record; events occur requiring updates to disclosures.

Once your institution has gone through the Mergers & Acquisition process in NMLS and has indicated your transfer of employment, you will receive a system generated email instructing you to log into your individual NMLS account and accept or deny the transfer.

Federally registered mortgage loan originators are required to use NMLS in order to provide information regarding Disciplinary Actions covered by the MU4R’s Disclosure Questions.

As a federally registered MLO, you renew your registration annually in NMLS during the November 1–December 31 renewal period. Your employing institution initiates the request; you must log in and attest to your record to complete renewal. If you do not renew by December 31, your status becomes Inactive – Failed to Renew and can be restored later through reactivation.

If your individual MLO registration status is Inactive – Failed to Renew, your employing institution can reactivate your registration through NMLS. The institution must initiate the process before you can complete Reactivation.

Using ACH payments with NMLS, including vendor information for payment routing.

If the payment submitted fails, a system generated notification is sent indicating that the payment has failed. You are required to log in to NMLS to repay.

Thank you for using the Nationwide Multistate Licensing System (NMLS) for your licensing or registration needs. Licensing and registration payment services on this web site (the "Payment Site") are provided by the State Regulatory Registry LLC ("SRR"), and are subject to these payment terms and conditions (these "Payment Terms").

If you are a Mortgage Loan Originator, Control Person, Qualifying Individual, or Branch Manager, you need an NMLS Account to create and attest to your record in NMLS.

Understand how to update your NMLS account and recover your username and password.

This guide explains the account consolidation process, allowing users with multiple NMLS accounts to use a single login to access all their accounts. Users are encouraged to consolidate their accounts.

Understand the different capabilities available in NMLS for managing your user profile.

NMLS is committed to making our sites accessible to all users, including those with disabilities in accordance with Section 508 of the Rehabilitation Act of 1973, as amended. NMLS makes an effort to publish only material that is fully accessible.

Notice of Collection under the Privacy Act of 1974, 5 U.S.C. § 552a As Amended (Privacy Act Notice). The information that you provide to the Nationwide Multistate Licensing System (NMLS) will be used to register and manage accounts for mortgage loan originators.

This privacy act statement is located on the back of the FD-258 fingerprint card.

When searching for a fingerprinting location, the results returned by the search use the address you provide and display either (1) Live Scan locations only or (2) Live Scan and Paper Card locations. As illustrated below, fingerprint capture via Live Scan costs less, can be scheduled more quickly, requires less action by the MLO, and results in fewer illegible prints than the Paper Card method.

NMLS sets browser cookies to remember your login context (state or federal). If you choose the incorrect option when logging in and land on the state log in page instead of the federal log in page (or vice versa) you can manually delete your web browser cookies to reset your log in settings options.

NMLS allows individual MLOs to toggle between the “State” context for state licensing purposes and the “Federal” context for federal registration purposes. Follow the steps below to ensure you are logged in to the correct context of NMLS.