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    NMLS SAFE Act Licensing Information
    Getting Started: State-Licensed Individuals

    Go to the State Licensing Requirements Page for your state and gather required documentation which may need to be uploaded and sent to the state agency.

    All state licensed MLOs and certain individuals as mandated by their state agency are required to pass the National SAFE MLO test, complete pre-licensure education, and submit to a criminal background and credit check prior to submitting an application in NMLS. Review Professional Standards for more details on the Criminal Background Check, Testing, Education, and Credit Report process.

    Step 2 – Coordinate with your company

    NMLS is the official system of record so it is important to coordinate use with your employer. If your company is licensed with or registered in a state through NMLS, either of you can complete your first Individual Form (MU4) in NMLS. Whoever creates the first Individual Form (MU4) must pay any associated fees when it is submitted to the state agency. If your company is completing your first Individual Form (MU4), wait for their direction before proceeding.

    Step 3 – Create an account

    ​NOTE: The information used to create the account must be accurate, complete and reflect information found on legal documentation. Inaccurate information may result in one or more duplicate accounts. If duplicate accounts are created, the responsible individual or company is​ liable for all fees associated with resolving the error.

    1. Navigate to NMLS.
    2. Click the Log Into NMLS button.
    3. Click the Request an Account link.
    4. Select the Individual option.

    Review the Quick Guide: Creating an Individual Accou​nt for further assistance.

    Step 4 – Log into NMLS

    If your company created your first Individual Form (MU4), log in with the credentials provided, review your Individual Form (MU4), make any necessary corrections and attest to its accuracy.

    Review the Attestation Quick Guide for further assistance.

    If you are completing your first Individual Form (MU4), identify the jurisdictions where you are or would like to be licensed, complete the Individual Form (MU4), pay any associated fees, and submit to the relevant regulators.

    Review the ​​ Form MU4 Filing Quick Guide and see NMLS Payment Options for information on payment methods.​

    To view state licensing requirements follow the link to see the  map, it will provide you with descriptions and checklists for each license that state agencies manage in NMLS. Click here to see the National Licensing Requirements by State.

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