MU4R Requirements

NATIONWIDE MORTGAGE LICENSING SYSTEM & REGISTRY

MU4R Requirements
The MU4R must be submitted through the Nationwide Mortgage Licensing System & Registry
(NMLS) by either the employing institution or the individual MLO. In either case, the MLO must
attest to his or her information before the MU4R can be filed.
The MU4R includes the information outlined below.

Identifying Information
Individual's identifying information:
Field
First Name
Last Name
Middle Name
Suffix
Gender
Social Security Number
Date of Birth
State of Birth
Country / Province of Birth

Description
Registrant’s legal first name
Registrant’s legal last name
Registrant’s legal middle name
Registrant’s legal suffix
Male/Female
As issued by Social Security Administration
Month/Day/Year of Birth
State of registrant’s birth
Country/Province of registrant’s birth

Business phone, home phone, cell phone, fax and email:
Field

Description
Work phone number
Home phone number
Business mobile phone number, if available
Business fax number if available
Business email address

Business Phone
Home Phone
Cell Phone
Fax Line
Email Address

Other Names
Other than your legal name, list all name(s) you are using or have used since the age of 18.
Examples include nicknames, aliases, and names used before or after marriage.
Field
First Name
Middle Name
Last Name
Suffix

Description
First Name Alias
Full Middle Name Alias
Last Name Alias
Suffix Alias

Employment History
Current Financial Services-Related Employment
Field
Employer (company name)
Employer NMLS ID
Will you be engaging in mortgage loan origination
activities in your capacity as an employee of a financial
institution (bank, savings and loan association, credit
union, Farm Credit System institution or a subsidiary of

Updated 1/27/2011

Description
Current employer
NMLS Unique ID for employer
(Y/N)

Copyright 2011 State Regulatory Registry LLC

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the foregoing) that is regulated by the OCC, OTS,
FDIC, Federal Reserve, NCUA, or Farm Credit
Administration? If you are uncertain, please contact
your employer before continuing.
From : (MM/DD/YYYY)
Work Location
Address
City
State
Country / Province
Postal Code

Start date of current employment in month, day
and year format
Work address
Work city
Work state
Work country / province
Work postal code

Prior Financial Services-Related Employment
Field
Employer (company name):
From : (MM/YYYY)
To: (MM/YYYY)
Address
City
State
Country / Province
Postal Code

Description
Previous employer’s name
Start date (Month and year format)
End date
Previous work address
Previous work city
Previous work state
Previous work country / province
Previous work postal code

Current Residence
Provide the street address for current primary residence.
Field
Address
City
State
Country / Province
Postal Code

Description
Physical address for primary residence
Physical city for primary residence
Physical state for primary residence
Physical Country / Province for primary
residence
Physical zip+4 for primary residence

Disclosure Questions
Answer Yes to any that are true.
Field
Criminal Disclosure
(A) Have you ever been convicted of or pled guilty or nolo
contendere ("no contest") in a domestic, foreign, or military
court to any criminal offense involving dishonesty, breach of
trust, or money laundering or agreed to enter into a pretrial
diversion or similar program in connection with the
prosecution of such offense(s)?
(B) Based upon the activities that occurred while you exercised
control over an organization, has any such organization ever
been convicted of or pled guilty or nolo contendere ("no
contest") in a domestic, foreign, or military court to any
criminal offense involving dishonesty, breach of trust, or
money laundering or agreed to enter into a pretrial diversion
or similar program in connection with the prosecution of such
offense(s)?
Civil Judicial Disclosure

Description
‘Y’ or ‘N’

‘Y’ or ‘N’

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(C) Has any domestic or foreign court ever:
(1) enjoined you, or taken other action against you, in
connection with any financial services-related activity?
(2) found that you were involved in a violation of any financial
services-related statute(s) or regulation(s)?
(3) dismissed, pursuant to a settlement agreement, a
financial services-related civil action brought against you by a
State, federal, or foreign financial regulatory authority?
Regulatory Action
(D) Has any State or federal regulatory agency or foreign
financial regulatory authority ever:
(1) found you to have made a false statement or omission or
been dishonest, unfair or unethical?
(2) found you to have been involved in a violation of a
financial services-related business regulation(s) or
statute(s)?
(3) found you to have been a cause of a financial servicesrelated business having its authorization to do business
denied, suspended, revoked or restricted?
(4) entered an order against you in connection with a
financial services-related activity?
(5) denied, suspended or revoked your registration or license
to engage in a financial services-related activity, disciplined
you, or otherwise by order, prevented you from associating
with a financial services-related business or restricted your
activities?
(6) barred you from association with an entity or its officers
regulated by such agency or foreign financial regulatory
authority or from engaging in a financial services-related
business?
(7) issued a final order against you based on violations of
any law or regulations that prohibit fraudulent, manipulative,
or deceptive conduct?
(E) Have you ever had an authorization to act as an attorney,
accountant, or State or federal contractor that was revoked or
suspended?
Customer Arbitration/Civil Litigation Disclosure
(F) Have you ever been named as a respondent/defendant in a
financial services-related consumer-initiated arbitration or civil
litigation which:
(1) resulted in an arbitration award or civil judgment against
you, regardless of amount, or that required corrective action;
or
(2) was settled for any amount?

‘Y’ or ‘N’

‘Y’ or ‘N’
‘Y’ or ‘N’

‘Y’ or ‘N’
‘Y’ or ‘N’

‘Y’ or ‘N’

‘Y’ or ‘N’
‘Y’ or ‘N’

‘Y’ or ‘N’

‘Y’ or ‘N’

‘Y’ or ‘N’

‘Y’ or ‘N’

‘Y’ or ‘N’

Criminal Background Check
Demographic information required by the FBI to process fingerprint cards.
Field
Eye Color
Hair Color
Height

Description
Registrant’s eye color
Registrant’s hair color
Registrant’s height in feet and inches

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Weight
Race

Registrant’s weight in pounds
Registrant’s race

The employing institution or MLO will be required to attest, pay and submit their MU4R request
through NMLS.

MU4R Definitions
Below are definitions of certain terms contained in the MU4R. If you require further clarification
of these terms, or any other terms, please contact your federal regulator.
CHARGED – Being accused of a crime in a formal complaint, information, or indictment (or
equivalent formal charge).
CONTROL – The power, directly or indirectly, to direct the management or policies of a
institution, whether through ownership of securities, by contract, or otherwise. Any person that
(i) is a general partner or executive officer, including Chief Executive, Chief Financial Officer,
Chief Operations Officer, Chief Legal Officer, Chief Credit Officer, Chief Compliance Officer,
Director, and individuals occupying similar positions or performing similar functions; (ii) directly
or indirectly has the right to vote 10% or more of a class of a voting security or has the power to
sell or direct the sale of 10% or more of a class of voting securities; or (iii) in the case of a
partnership, has the right to receive upon dissolution, or has contributed, 10% or more of the
capital, is presumed to control that institution.
ENJOINED – Includes being subject to a mandatory injunction, prohibitory injunction,
preliminary injunction, or a temporary restraining order.
FELONY – For jurisdictions that do not differentiate between a felony and a misdemeanor, a
felony is an offense punishable by a sentence of at least one year imprisonment and/or a fine of
at least $1,000. The term also includes a general court martial.
FINANCIAL SERVICES OR FINANCIAL SERVICES RELATED – Pertaining to securities,
commodities, banking, insurance, consumer lending, or real estate (including, but not limited to;
acting as or being associated with a bank or savings association, credit union, Farm Credit
System institution, mortgage lender, mortgage broker, real estate salesperson or agent,
appraiser, closing agent, title institution, or escrow agent).
FOREIGN FINANCIAL REGULATORY AUTHORITY – Includes (1) a financial services
authority of a foreign country; (2) other governmental body empowered by a foreign government
to administer or enforce its laws relating to the regulation of financial services or financial
services-related activities; and (3) a foreign membership organization, a function of which is to
regulate the participation of its members in financial services activities listed above.
FOUND – Includes adverse final actions, including consent decrees in which the respondent
has neither admitted nor denied the findings, but does not include agreements, deficiency
letters, examination reports, memoranda of understanding, letters of caution, admonishments,
and similar informal resolutions of matters.
INVOLVED – Doing an act or omission or aiding, abetting, counseling, commanding, inducing,
conspiring with or failing reasonably to supervise another in doing an act or omission.
MISDEMEANOR – For jurisdictions that do not differentiate between a felony and a
misdemeanor, a misdemeanor is an offense punishable by a sentence of less than one year
imprisonment and/or a fine of less than $1,000. The term also includes a special court martial.
ORDER – A written directive issued pursuant to statutory authority and procedures, including
orders of denial, suspension, or revocation; does not include special stipulations, undertakings

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or agreements relating to payments, limitations on activity or other restrictions unless they are
included in an order.
PROCEEDING – Includes a formal administrative or civil action initiated by a governmental
agency, self-regulatory organization or a foreign financial regulatory authority; a felony criminal
indictment or information (or equivalent formal charge); or a misdemeanor criminal information
(or equivalent formal charge). The term does not include other civil litigation, investigations, or
arrests or similar charges affected in the absence of a formal criminal indictment or information
(or equivalent formal charge).

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