{"abstract":"The OCC, Board, FDIC, OTS, FCA, and NCUA (collectively, the Agencies) are adopting final rules to implement the Secure and Fair Enforcement for Mortgage Licensing Act (the S.A.F.E. Act). The S.A.F.E. Act requires an employee of a bank, savings association, credit union or Farm Credit System (FCS) institution and certain of their subsidiaries that are regulated by a Federal banking agency or the FCA (collectively, Agency-regulated institutions) who acts as a residential mortgage loan originator to register with the Nationwide Mortgage Licensing System and Registry, obtain a unique identifier, and maintain this registration. The final rule further provides that Agency- regulated institutions must: require their employees who act as residential mortgage loan originators to comply with the S.A.F.E. Act's requirements to register and obtain a unique identifier, and adopt and follow written policies and procedures designed to assure compliance with these requirements.","action":"Final rule.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"},{"raw_name":"FARM CREDIT ADMINISTRATION","name":"Farm Credit Administration","id":154,"url":"https://www.federalregister.gov/agencies/farm-credit-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/154","parent_id":null,"slug":"farm-credit-administration"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2010/07/28/2010-18148.html","cfr_references":[{"chapter":null,"citation_url":null,"part":34,"title":12},{"chapter":null,"citation_url":null,"part":208,"title":12},{"chapter":null,"citation_url":null,"part":211,"title":12},{"chapter":null,"citation_url":null,"part":365,"title":12},{"chapter":null,"citation_url":null,"part":563,"title":12},{"chapter":null,"citation_url":null,"part":610,"title":12},{"chapter":null,"citation_url":null,"part":741,"title":12},{"chapter":null,"citation_url":null,"part":761,"title":12}],"citation":"75 FR 44656","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":["https://www.federalregister.gov/api/v1/documents/C1-2010-18148"],"dates":"This final rule is effective on October 1, 2010. Compliance with Sec. ----.103 (registration requirement) of the final rule is required by the end of the 180-day period for initial registrations beginning on the date the Agencies provide in a public notice that the Registry is accepting initial registrations.","disposition_notes":null,"docket_ids":["Docket ID OCC-2010-0007","Docket No. R-1357","Docket No. 2010-0021"],"dockets":[],"document_number":"2010-18148","effective_on":"2010-10-01","end_page":44708,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2010/07/28/2010-18148.xml","html_url":"https://www.federalregister.gov/documents/2010/07/28/2010-18148/registration-of-mortgage-loan-originators","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2010-18148?publication_date=2010-07-28","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2010-07-28/2010-18148/mods.xml","not_received_for_publication":null,"page_length":53,"page_views":{"count":11476,"last_updated":"2026-04-05 04:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-07-28/pdf/2010-18148.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2010-07-28","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2010/07/28/2010-18148.txt","regulation_id_number_info":{"1550-AC33":{"issue":"201010","html_url":"https://www.federalregister.gov/regulations/1550-AC33/s-a-f-e-mortgage-licensing-act-of-2008-regulations","title":"S.A.F.E. Mortgage Licensing Act of 2008 Regulations","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201010&RIN=1550-AC33&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"3064-AD43":{"issue":"201010","html_url":"https://www.federalregister.gov/regulations/3064-AD43/registration-of-mortgage-loan-originators-","title":"Registration of Mortgage Loan Originators\n","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201010&RIN=3064-AD43&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"3052-AC52":{"issue":"201010","html_url":"https://www.federalregister.gov/regulations/3052-AC52/safe-mortgage-licensing-act","title":"SAFE Mortgage Licensing Act","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201010&RIN=3052-AC52&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"1557-AD23":{"issue":"201010","html_url":"https://www.federalregister.gov/regulations/1557-AD23/s-a-f-e-mortgage-licensing-act","title":"S.A.F.E. Mortgage Licensing Act","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201010&RIN=1557-AD23&operation=OPERATION_EXPORT_XML","priority_category":"Economically Significant"},"3133-AD59":{"issue":"201010","html_url":"https://www.federalregister.gov/regulations/3133-AD59/s-a-f-e-act-regulation-registration-of-mortgage-loan-originators","title":"S.A.F.E. Act Regulation--Registration of Mortgage Loan Originators","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201010&RIN=3133-AD59&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["1550-AC33","1557-AD23","3052-AC52","3064-AD43","3133-AD59"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2010-08-17T11:08:17Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":44656,"subtype":null,"title":"Registration of Mortgage Loan Originators","toc_doc":"Registration of Mortgage Loan Originators","toc_subject":null,"topics":["Accounting","Administrative practice and procedure","Advertising","Agriculture","Bank deposit insurance","Banks, banking","Banks, banking","Banks, banking","Banks, banking","Confidential business information","Conflict of interests","Consumer protection","Credit unions","Crime","Currency","Exports","Foreign banking","Holding companies","Insurance","Investments","Loan programs-housing and community development","Mortgages","National banks","Reporting and recordkeeping requirements","Rural areas","Savings associations","Securities","Surety bonds"],"type":"Rule","volume":75}