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Filing the Individual MU4 Form in NMLS
Understand the purpose of the Individual MU4 Form and what to expect when filing it in NMLS.
Completing an Individual MU4 Filing
Learn how to complete and submit an Individual MU4 filing to apply for a license or registration through NMLS.
Managing Document Uploads
Learn how to upload supporting documents in NMLS and ensure they are categorized and submitted correctly.
Document Upload Descriptions and Examples
Descriptions and examples of the different types of documentation available for upload to NMLS.
Documents Available for Upload to Company and Branch Filings (MU1/MU3)
Descriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.
AML/BSA Policy
Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy

Filing the Individual MU4 Form in NMLS
Understand the purpose of the Individual MU4 Form and what to expect when filing it in NMLS.
- Information You Need Before You Can Apply
  Gather essential personal, historical, and state-specific documentation before beginning your MU4 license application filing.
- Creating an Individual MU4 Filing
  Learn how to create a new MU4 filing to begin applying for an MLO license or registration in NMLS.
- Completing an Individual MU4 Filing
  Learn how to complete and submit an Individual MU4 filing to apply for a license or registration through NMLS.
  - Selecting Your Licenses
    Learn how to select licenses or registrations to apply for in the MU4 form.
  - Managing Document Uploads
    Learn how to upload supporting documents in NMLS and ensure they are categorized and submitted correctly.
    - Uploading Documents on the Individual MU4 Form
      How to upload documents to the Individual MU4 Form.
    - Document Upload Descriptions and Examples
      Descriptions and examples of the different types of documentation available for upload to NMLS.
      - Documents Available for Upload to Company and Branch Filings (MU1/MU3)
        Descriptions and examples of the different types of documentation available for upload to Branch Filings in NMLS.
        ACN Related Documents
        Additional Requirement(s)
        These are state-specific requirements, such as state-specific forms, proof of workers compenation, state-specific polices, etc.
        AML/BSA Policy
        Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy
        Branch Written Agreement
        The contract between the branch manager and licensee, and the leasing agreement between the property owner and the branch, but does not include company level lease agreements.
        Business Continuity Plan
        A Business Continuity Plan is the process and documentation that describes how a company plans, prevents, maintains, and/or recovers essential functions, systems, processes, and other business operations involving threats to the business, including during a disaster.
        Business Continuity Operational Status Report
        A Business Continuity Operational Status Report provides specific detail on a company’s implementation of its Business Continuity Plan during a specific critical threat, including a disaster.
        Business Plan
        A business plan outlining marketing strategies, products, target markets, fee schedule and operating structure the applicant intends to employ.
        Certificate of Authority / Good Standing
        A state-issued and approved document (typically by the Secretary of State’s office), dated not more than 60 days prior to the filing of the application through NMLS that demonstrates authorization to do business.
        Company Staffing and Internal Policies
        Document(s) shall include information on staffing and internal organizational policies and procedures.
        Debt Management Agreement
        A written contract, plan or agreement between a debt management provider and a consumer for performance of debt management services.
        Designation of Branch Qualified Employee
        The Designation of Qualified Employee for the Branch location is a document required by a small number of states.
        Document Samples
        Copies of sample documents, contracts and agreements used in the regular course of business. This does not include Debt Management Agreements, Mortgage Servicing Agreements, Policies and Procedures or any document that contains a date of birth (DOB) or social security number (SSN).
        Errors and Omissions (Insurance Policy)
        Upload proof of errors and omissions insurance protecting the applicant from liability arising from a negligent act, error or omission in the performance of professional service. If applicable, include power of attorney (POA).
        Fidelity Bond
        Upload a fidelity bond in the amount required by the applicable State. The name of the principal insured on the bond must exactly match the Full Legal Name of the applicant.
        Flow of Funds Structure
        This document is only required by a small number of states providing a description of each type of transaction or service to be conducted.
        Formation Document
        A state certified copy of the corporate charter or articles of incorporation (if a corporation), or the articles of organization and operating agreement (if a limited liability company), or the partnership agreement (if a partnership of any form).
        Management Chart
        The management chart displays the applicant’s directors, officers, and managers (individual name and title) and identifies the compliance reporting and internal audit structure.
        Mortgage Servicing Agreement
        Any written agreement or contract related to mortgage servicing rights.
        Organizational Chart/Description
        A chart showing the ownership percentages of direct and indirect owners, affiliates, and subsidiaries.
        Permissible Investments
        A list of the company's permissible investments, and the book or market value of such investments as of the date of the most recent audited financial statement and as of the date of the unaudited interim financial statement.
        Surety Bond
        Copies of the original surety bond, riders, verification, and continuaiton certificates.
        Surety Bond – Alternate Security Device
        This document should be provided when an alternate device other than an electronic surety bond is permitted per jurisdiction requirements.
        Trade Name/Assumed Name Registration Certificates
        A state-issued document demonstrating authorization to do business under an Other Trade Name.
        Trust Account Authorization
        Authorization allowing examination of trust accounts used for the purpose of holding funds belonging to others.
        Warehouse Line of Credit Documentation
        Documentation of Warehouse Lines of Credit. Add documentation of new active lines of credit and remove terminated or expired (inactive) lines of credit.
      - Documents Available for Upload to Individual Filings (MU2/MU4)
        Descriptions and examples of the different types of documentation available for upload to individual filings in NMLS.
    - About the Document Library
      Document requirements are determined by the specific license requirements outlined in the Agency Guidance section of your MU4 filing. There are no standard documents required for every application; required uploads vary depending on your agency’s licensing guidance.
  - Completing Residential and Employment History
    Learn how to enter complete and accurate residential and employment history in the Individual (MU4) Form.
  - Answering Disclosure Questions
    How to answer disclosure questions in the Individual MU4 Form.
  - Completing the Criminal Background Check Process
    Learn about the Criminal Background Check (CBC) process required as part of the completing the Individual MU4 Form in NMLS.
  - Requesting a Credit Check in NMLS
    How to request a credit report as part of the Individual MU4 form in NMLS.
  - Attesting to Your Individual MU4 Filing
    How to attest to an Individual MU4 Filing in NMLS.
  - Attesting to MU4 Filings Created by Sponsoring Company
    Describes how to attest to Individual MU4 Filings created by a sponsoring company.
  - Paying for an Individual MU4 Filing
    Learn how to complete the payment process for your Individual MU4 filing in NMLS.
- Completing Application Requirements Submitted Outside of NMLS
  Learn how to identify and complete application requirements that must be submitted directly to state agencies outside of NMLS.
- Determining MU4 Filing Status
  Learn how to review the status of a submitted MU4 filing in NMLS.
- Responding to License Items for Individuals
  Learn how to respond to license items issued by state regulators during the review of your MU4 application.
- Requesting Additional Individual Licenses
  Understand how to request additional state licenses or registrations using the MU4 filing in NMLS.

AML/BSA Policy

Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy

General/State-Specific

General

Document Description(s)

Anti-Money Laundering (AML) / Bank Secrecy Act (BSA) Policy that may include independent review.

File Name Format

Internally Approved Date [mm-dd-yyyy]

Amendments

Existing document must be removed and replaced by new document. Will not be processed unless old document is removed.

Upload Location

COMPANY FILING (MU1)

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.