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Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
Chapter VIII—Call Reports
NMLS accommodates both the Mortgage and Money Services Call Reports.
Mortgage Call Report (MCR)
The Mortgage Call Report (MCR) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators (MLOs).

Financial Statements and Reporting
Chapters VII and VIII address the financial reporting requirements for companies, the mortgage and money services businesses call reports, and uniform authorized agent reporting.
- Chapter VII—Financial Statement and Net Worth Filing
  NMLS enables company account administrators and designated company users to file financial statements (FS) in a single PDF document (8MB file size limit) through the system. Companies are often required to file a financial statement prior to submitting a license application, on an annual basis, or at other designated times during the year.
- Chapter VIII—Call Reports
  NMLS accommodates both the Mortgage and Money Services Call Reports.
  - Mortgage Call Report (MCR)
    The Mortgage Call Report (MCR) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators (MLOs).
    - Mortgage Call Report
      The Mortgage Call Report is a quarterly report on condition which collects activity and financial activity of a company and their mortgage loan originators (MLOs). Companies holding one or more state licenses or state registrations through NMLS or employing state-licensed MLOs during a calendar quarter are required to complete a Mortgage Call Report (MCR).
    - Mortgage Call Report Components
      Components which the system has determined are required, based on licenses status and obligations, are automatically rendered on this screen. Companies may add additional components to satisfy additional requirements.
  - 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 can complete the report directly in NMLS.
  - Uniform Authorized Agent Reporting (UAAR)
    Uniform Authorized Agent Reporting (UAAR) assists regulators with the supervision and monitoring of money services businesses and their authorized agent / delegate locations, which may include company owned branch locations.

Mortgage Call Report (MCR)

The Mortgage Call Report (MCR) must be completed by all state-licensed companies and companies employing state licensed mortgage loan originators (MLOs).

Companies will complete a single MCR filing each quarter containing one or more Residential Mortgage Loan Activity Report (RMLA) components. Companies reporting mortgage lending or servicing business activities must also complete the Financial Condition (FC) component each quarter.

Companies reporting brokering business activities complete the FC component annually at the calendar year end.

Filing: The MCR functionality is found under the Filing tab for a company user.
Terms used: Terms, definitions, and instructions for the MCR can be found in the Mortgage Call Report (MCR) User Guide (v6).
State Specific Supplemental Form (SSSF): A small number of states require the SSSF to be submitted by specific licensees. The list of states that require the SSSF and state-specific guidance on SSSF submissions can be found in the Mortgage Call Report (MCR) User Guide (v6).

Company specific reports will not be made publicly available by NMLS. NMLS may aggregate data and release aggregated data to the public at a future date. State regulators may be subject to state public records law requirements to make the state's MCR information available to the public in certain circumstances.

The MCR is due 45 days from the end of each calendar quarter. Companies reporting brokering business activities must submit the Financial Condition (FC) component no later than 90 days from the calendar year end.

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.