CFPB Extends Mortgage Originator Registration Rules
Published Date: 2/24/2026
Notice
Summary
The Consumer Financial Protection Bureau is asking for public comments to extend the paperwork rules for mortgage loan originators. This affects over 260,000 businesses that register mortgage professionals to keep things fair and clear for homebuyers. Comments are due by March 26, 2026, and the process helps keep mortgage info organized without adding extra costs.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Mortgage Originators Must Be Registered
Regulation G requires residential mortgage loan originators to be registered with the Nationwide Mortgage Licensing System and Registry (NMLS) and to obtain a unique identifier that must be disclosed to consumers. This is part of the CFPB's information collection approved under OMB Control Number 3170-0005.
Paperwork Burden on Mortgage Businesses
The CFPB estimates this information collection affects 261,638 private-sector respondents and imposes an estimated 249,628 total annual burden hours. The notice requests OMB extension of the currently approved collection (OMB Control Number 3170-0005).
Institutions Must Adopt Compliance Policies
Regulation G requires covered financial institutions employing mortgage loan originators to adopt and follow written policies and procedures to ensure employees obtain and disclose unique identifiers and maintain registration. The CFPB is soliciting public comments on this information collection as part of the Paperwork Reduction Act process.
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