Individual Renewal

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; 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 restored later through reactivation.

The annual renewal period in NMLS runs from November 1 through December 31. Your employer initiates your renewal in NMLS; you complete it by logging in and attesting to your record. If you do not attest by December 31, your registration status becomes Inactive – Failed to Renew on January 1. Reactivation can be completed after January 1 following an employer request and your attestation.

See the Renewals for Federal Individuals self-paced e-learning course for a step-by-step walkthrough of the entire renewal process in NMLS.

Who must renew

All MLOs who are in Active must be renew to maintain an Active registration for the next year.

First-time registrants with any bank in NMLS that become Active between July 1 and December 31 are exempt from renewals.

What to expect during renewal

  • Employer initiates. Your employing institution submits your renewal request in NMLS. You will then receive an email prompting you to log in and attest.
  • Attestation required. Log in to NMLS, review your MU4R information, and attest to your record to complete renewal.
  • Reminder cadence. If you have not completed attestation, reminder emails are sent after 5, 10, and 15 calendar days.

Before you start

Make sure you can access your NMLS account and that your MU4R information is up to date.

Confirming your status

You can verify your current and renewed status anytime in Composite View under View NMLS MLO Registration List

If you miss the deadline

If you do not attest by December 31, your status changes to Inactive – Failed to Renew on January 1. Your employer must submit a reactivation request, and you must log in and attest to return to Active status.

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