Fed Reserve Yawns: Mortgage Rules Stay Snoozy for Three Years
Published Date: 3/17/2026
Notice
Summary
The Federal Reserve wants to keep the current rules for mortgage loan originator registration for three more years without any changes. This affects mortgage loan originators who must keep their registration up to date. If you have thoughts, you’ve got until May 18, 2026, to share them—no extra costs or new paperwork are coming your way!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
Mortgage Originators Keep Registration Rules
If you are a residential mortgage loan originator (MLO), you must continue to register and maintain your registration with the Nationwide Multistate Licensing System (NMLS), obtain a unique identifier, and disclose that identifier plus your employment history and publicly adjudicated disciplinary or enforcement actions on request. The Board proposes to extend these rules unchanged for three years, the collection is annual, and the notice lists 15,999 estimated respondents with 22,440 total estimated annual burden hours. Comments on the proposal are due by May 18, 2026.
Employers Must Keep Compliance Policies and Tests
Institutions that employ residential MLOs must continue to adopt and follow written policies and procedures to ensure employee compliance and must conduct annual independent compliance tests. The Board's CFPB G panel specifically lists state member banks with $10 billion or less in assets (and certain subsidiaries), branches and agencies of foreign banks (with some exceptions), and certain commercial lending companies owned or controlled by foreign banks.
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Key Dates
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