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.

The MU4R includes the information outlined below.

Identifying Information

Table 1. Individual's identifying information: Individual's identifying information: for form MU4R
Field Description
First Name Registrant’s legal first name
Last Name Registrant’s legal last name
Middle Name Registrant's legal middle name
Suffix Registrant's legal suffix
Gender Male/Female/Not Listed
Social Security Number As issued by Social Security Administration
Date of Birth Month/Day/Year of Birth
State of Birth State of Registrant’s birth
Country / Province of Birth Country / Province of Registrant’s birth
Table 2. Business phone, home phone, cell phone, fax and email: Business phone, home phone, cell phone, fax and email for form MU4R
Field Description
Business Phone Work phone number
Home Phone Home phone number
Cell Phone Business mobile phone number, if available
Fax Line Business fax number if available
Email Address Business email address
Table 3. Do you want to change your Full Name in NMLS: Changing your name on Form MU4R
Field Description
If yes, check here Select the checkbox if you would like to adjust your Full Name in NMLS
First Name Registrant’s legal first name
Middle Name Registrant’s legal last name
Last Name Registrant's legal middle name
Suffix Registrant's legal suffix

Other than your legal name, list all name(s) you are using or have used since the age of 18. Examples include nicknames, aliases, and names used before or after marriage.

Table 4. Alliases, nicknames, name before or after marriagealiases and nicknames on form MU4R
Field Description
First Name First Name Alias
Middle Name Full Middle Name Alias
Last Name Last Name Alias
Suffix Suffix Alias

Current Residence

Table 5. Provide the street address for current primary residence.Provide the street address for current primary residence, form MU4R
Field Description
Address Physical address for primary residence
City Physical city for primary residence
State Physical state for primary residence
Country / Province Physical Country / Province for primary residence
Postal Code Physical zip+4 for primary residence

Employment History

Provide financial service-related history for the 10 years prior to the date of registration or renewal, including current employer.

Table 6. Current Financial Services-Related EmploymentCurrent Financial Services-Related Employment for form MU4R
Field Description
Will you be engaging in mortgage loan origination activities in your capacity as an employee of a financial institution (bank, savings and loan association, credit union, Farm Credit System institution or a subsidiary of the foregoing) that is regulated by the OCC, OTS, FDIC, Federal Reserve, NCUA, or Farm Credit Administration? If you are uncertain, please contact your employer before continuing. (Y/N)
Employer (company name) Current employer
Employer NMLS ID NMLS Unique ID for employer
From: (MM/DD/YYYY) Start date of current employment in month, day and year format
Check here if this is your current employer Select checkbox if company is your current employer
Work Location:
Address Work address
City Work city
State Work state
Country / Province Work country / province
Postal Code Work postal code
Is the employment financial services related? Select Yes or No
Table 7. Prior Financial Services-Related EmploymentPrior Financial Services-Related Employment for Form MU4R
Field Description
Employer (company name): Previous employer’s name
From: (MM/YYYY) Start date (Month and year format)
Check here if this is your current employer Select checkbox if company is your current employer
To: (MM/YYYY) End date
Address: Previous work address
City: Previous work city
State: Previous work state
Country / Province: Previous work country / province
Postal Code: Previous work postal code
Is the employment financial services related? Select Yes or No

Disclosure Questions

Answer Yes to any that are true.

Table 8. Disclosure Questions Individual disclosure questions for form MU4R
Field Description
Criminal Disclosure
(A) Have you ever been convicted of or pled guilty or nolo contendere ("no contest") in a domestic, foreign, or military court to any criminal offense involving dishonesty, breach of trust, or money laundering or agreed to enter into a pretrial diversion or similar program in connection with the prosecution of such offense(s)? ‘Y’ or ‘N’
(B) Based upon the activities that occurred while you exercised control over an organization, has any such organization ever been convicted of or pled guilty or nolo contendere ("no contest") in a domestic, foreign, or military court to any criminal offense involving dishonesty, breach of trust, or money laundering or agreed to enter into a pretrial diversion or similar program in connection with the prosecution of such offense(s)? ‘Y’ or ‘N’
Civil Judicial Disclosure
(C) Has any domestic or foreign court ever:
(1) enjoined you, or taken other action against you, in connection with any financial services-related activity? ‘Y’ or ‘N’
(2) found that you were involved in a violation of any financial services-related statute(s) or regulation(s)? ‘Y’ or ‘N’
(3) dismissed, pursuant to a settlement agreement, a financial services-related civil action brought against you by a State, federal, or foreign financial regulatory authority? ‘Y’ or ‘N’
Regulatory Action
(D) Has any State or federal regulatory agency or foreign financial regulatory authority ever:
(1) found you to have made a false statement or omission or been dishonest, unfair or unethical? ‘Y’ or ‘N’
(2) found you to have been involved in a violation of a financial services-related business regulation(s) or statute(s)? ‘Y’ or ‘N’
(3) found you to have been a cause of a financial services- related business having its authorization to do business denied, suspended, revoked or restricted? ‘Y’ or ‘N’
(4) entered an order against you in connection with a financial services-related activity? ‘Y’ or ‘N’
(5) denied, suspended or revoked your registration or license to engage in a financial services-related activity, disciplined you, or otherwise by order, prevented you from associating with a financial services-related business or restricted your activities? ‘Y’ or ‘N’
(6) barred you from association with an entity or its officers regulated by such agency or foreign financial regulatory authority or from engaging in a financial services-related business? ‘Y’ or ‘N’
(7) issued a final order against you based on violations of any law or regulations that prohibit fraudulent, manipulative, or deceptive conduct? ‘Y’ or ‘N’
Customer Arbitration/Civil Litigation Disclosure
(F) Have you ever been named as a respondent/defendant in a financial services-related consumer-initiated arbitration or civil litigation which:
(1) resulted in an arbitration award or civil judgment against you, regardless of amount, or that required corrective action; or ‘Y’ or ‘N’
(2) was settled for any amount? ‘Y’ or ‘N’
(E) Have you ever had an authorization to act as an attorney, accountant, or State or federal contractor that was revoked or suspended? ‘Y’ or ‘N’

Disciplinary Actions

Provide the requested information regarding the event resulting in a Yes response to one or more disclosure questions.

Table 9. Disciplinary ActionsDisciplinary actions informatioin on Form MU4R
Field Description
Description of Disciplinary Action Required: a brief statement describing what event the Action relates to (e.g., Felony, Cease and Desist Order).
Action Type Required: choose from drop-down menu.
Action Type Description Only required if Other (Regulatory) or “Order (Regulatory) is selected for Action Type. A description cannot be entered for other Action Types.
Authority Type Required: choose from drop-down menu.
Name of Authority Only required if Other Federal Regulator, State regulator, Foreign Financial Regulator, Criminal Court, or Civil Court is selected for Authority Type. A Name of Authority cannot be re-entered for other Authority Types.
Date of Action Required: must be entered in a MM/DD/YYYY format.
Disciplinary Action Detail Optional: If the MLO chooses to, he or she may provide a detailed description of the Disciplinary Action being disclosed.
Applicable Questions Required. Select the checkbox next to the disclosure question(s) with Yes responses related to the explanation you have provided. A single explanation can be associated to one or more questions and multiple explanations can be associated to a single question.
Supporting File You are required to upload any applicable supporting documentation by browsing for the document on your computer. Only a single PDF file (not exceeding 8 MB) can be uploaded for an event. However, multiple documents can be combined into a single file. Examples of documents may include: Criminal or Civil Court Documents, Administrative Orders, and other public documents issued by the Authority taking the specific Disciplinary Action.

Criminal Background Check

Demographic information required by the FBI to process fingerprint cards.

Table 10. Criminal Background Check Demographic information required by the FBI to process fingerprint cards.
Field Description
Eye Color Registrant’s eye color
Hair Color Registrant’s hair color
Height Registrant’s height in feet and inches
Weight Registrant’s weight in pounds
Race Registrant’s Race

The employing institution or MLO will be required to attest, pay and submit their MU4R request through NMLS.