Under the SAFE Act, all mortgage loan originators must provide fingerprints to the Nationwide Mortgage Licensing System (NMLS) for the purpose of receiving a national criminal history background check through the Federal Bureau of Investigation.
NMLS is working toward implementing a comprehensive process which includes electronic fingerprint capture, fingerprint routing to law enforcement, receipt of criminal history background checks, attachment of the background check to the mortgage loan originator's NMLS record and retention of the mortgage loan originator's fingerprint images for future use if needed.
As part of this comprehensive process, NMLS intends to implement an electronic fingerprint capture network to provide mortgage loan originators with numerous locations to satisfy the fingerprint requirement.
Where possible, NMLS will utilize existing electronic fingerprint capture locations to add ease of use and flexibility to this comprehensive network.
NMLS will provide further details on the fingerprinting process as they become available.