Renew-Reactivate 

 Renew - Reactivate 

The NMLS Annual Renewal Period begins November 1 and ends December 31 each year. According to federal regulations, both institutions and most individual mortgage loan originators (MLOs) must be renewed through NMLS annually.

If the renewal process is not completed prior to December 31st, the MLO is placed in an “Inactive” registration status both in NMLS and on NMLS Consumer Access. Inactive registrations must be reactivated in order to have an “Active” registration status.

NMLS requires a $30 processing fee for each MLO seeking to renew or reactivate a registration. MLOs who are submitted for renewal but did not complete renewal attestation prior to December 31 need to be reactivated, incurring an additional $30 processing fee at the time of reactivation. See NMLS Processing Fees and Paying by ACH for additional information.

MLOs receive a notification from NMLS confirming that the renewal or reactivation process is complete.

Below are steps both institutions and MLOs should follow to successfully renew or, if necessary, reactivate a registration. Consult your primary federal regulator if you have any questions regarding who is required to reactivate.  

Steps to Renew or Reactivate Your Registrations

Step 1 – Prepare for the Renewal/Reactivation process

  • NMLS has prepared a Renewal Handbook to guide you through the process. This handbook provides detailed instructions for both institutions and individuals. 
  • Take a look at the Renewal section of the FAQ.
  • Review the Renewal/Reactivation Activity Report available in NMLS to determine which MLOs are required to renew and which MLOs initially registered after July 1, 2013 and are exempted from the renewal process.

Step 2 - Review batch upload specifications

Institutions can utilize the batch upload functionality to process their individuals' renewal or reactivation once the institution registration has been renewed or reactivated.  Below are the batch specifications and template for completing this process.  (NOTE: The MLOs will need to attest to their record once the institution has uploaded their information.)

Step 3 – Log in to NMLS and make sure your record is up to date

Make sure you can log in, with your user name and password.  If you forgot your username and/or password, you can have the information sent to you by selecting the “Forgot your User Name/Password” hyperlinks on the login screen.
Institutions and MLOs should log into NMLS and confirm that their MU1R or MU4R is up to date prior to renewing. If you need to make an amendment, you can consult one of these quick guides: Amending an MU1R | Amending MU4R.

Step 4 – Confirm you and your MLOs have completed the renewal/reactivation process

Confirm you and your MLOs have completed the renewal/reactivation process by utilizing the Composite View tab and the Renewal/Reactivation Activity Report available in NMLS.  The Institution Renewal Quick Guide found below can assist you in confirming.  The MLO will also receive an email notification from NMLS confirming that the process has been successfully completed.

Additional resources: