Renewal and Reactivation Overview

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, and 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 reactivated later.

Each year, federally registered Mortgage Loan Originators (MLOs) must renew their registration in NMLS. The renewal period runs from November 1 through December 31. Your employing institution initiates the renewal; you complete it by logging in to NMLS and attesting to your record. If you do not attest by December 31, your registration status becomes Inactive – Failed to Renew on January 1. You can return to an Active status later through reactivation after your employer initiates that request and you attest.

What to expect

  • Institution initiates. Your employer submits your renewal (or, if needed after January 1, reactivation) in NMLS.
  • Email prompts. After your employer submits, you receive an email telling you to log in and attest. Reminder emails are sent if you do not attest after several days.
  • Your action. Log in to NMLS, review your MU4R information, and attest to complete your renewal or reactivation.
  • Status updates. You can confirm your status anytime in Composite View under View NMLS MLO Registration List.

Renewal vs. Reactivation

Renewal occurs during November 1–December 31 and keeps your registration Active for the next year. Reactivation is available after January 1 if your registration becomes Inactive – Failed to Renew; your employer must request reactivation and you must attest to return to Active status. The steps you take to attest are the same in both cases.

Related resources

If you need assistance with your username or password, consult your employer or see the user account help topics. Contact the NMLS Call Center at 1-855-NMLS-123 for additional assistance.