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Individual MU4R Registration
The NMLS Federal Registry is the system of record federally chartered or insured institutions and their mortgage loan originators (MLOs) must use to meet the registration requirement.
Amending an MU4R
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.

Individual MU4R Registration
The NMLS Federal Registry is the system of record federally chartered or insured institutions and their mortgage loan originators (MLOs) must use to meet the registration requirement.
- MU4R Requirements
  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.
- MU4R Definitions
- Federal Registration Requirements for MLOs
  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.
- Request an Individual NMLS Account
  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.
- Granting Access to Your Employing Institution
  How a federally registered MLO grants access to their employing institution in NMLS.
- Attesting to MU4R
  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.
- Institution-initiated MU4R
  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.
- MLO-initiated MU4R
  If you are required by your employer to complete and submit your own Form MU4R, the instructions below will help you complete this task.
- Criminal Background Check
  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.
- Viewing Your Registration Status
  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.
- Amending an MU4R
  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.
- Changing Employers
- MLO Mergers and Acquisitions
  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.

Amending an MU4R

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.

About this task

Prior to submitting an amended filing, contact your employing institution if you are unsure of their policy on processing MU4R amendments on NMLS.

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.
To view your MU4R information and determine if it needs to be updated:
1. Select Filing > MU4R.
2. Click the Federal Historical Filings link on the left navigation panel.
3. Click the View icon next to the most recent filing.
  
  Note: If all current information is correct and up to date, no amendment is necessary.
If information should be updated or corrected, follow these steps to amend your MU4R:
1. Select Filing > MU4R.
2. Select the Request New/Update button.
  
  Note: If you do not see the Request New/Update button, you may already have a pending filing and will need to select the Edit button to continue editing your pending MU4 filing or the Delete button to delete the pending filing that is outstanding.
3. Select the links on the left navigation panel that require amendment, make the appropriate changes and click the Save button.
  
  Note: If you need to update your work location details, click the Edit icon in the Employment Records section.
4. Once all information is entered, proceed to Attest and Submit (the last section on the left).
5. Review the attestation statement, select the checkbox to verify your identity and click the Submit button.

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.